Terms of Use

Your account

You need to sign in to use the app. We currently support signing in with a Google or an Apple account.

You must be at least 13 years old to create an account. You are responsible for keeping the account you sign in with secure, and for everything that happens under it.

If you are below the age of majority where you live, you need a parent or guardian's consent before using the app and before buying a paid plan. A parent or guardian who gives that consent accepts these terms together with you.

Do not let anyone else use your account, and do not use someone else's account without their permission.

What the app does

Money Melon is a personal finance tracking tool. You can record income and expenses, manage accounts and credit cards, set budgets, track instalments and debts, record gold savings, stock holdings and savings goals, and view summaries and charts.

Some features are available only on a paid plan, and some features have quantity limits on the free plan. The limits that apply are shown in the app.

Not financial or investment advice

Money Melon records and summarises information you enter. It is not a financial service, not an investment adviser, and does not provide financial, tax or investment advice.

Any financial or investment decision you make after looking at information in the app is your own responsibility.

You are responsible for the accuracy of the data you enter.

Price data from external sources

Gold prices, stock prices and exchange rates shown in the app come from third-party data providers. We show them as a convenience for rough valuation only.

This data may be delayed, incomplete or different from actual trading prices, and it is not a quote or an offer. We do not guarantee the accuracy or continued availability of third-party data, and we may change providers or stop showing it at any time.

Check prices directly with the provider or dealer before you trade.

AI receipt scanning and voice entry

The app includes AI features that turn receipts, transfer slips, typed text and speech into transaction entries.

When you use these features, the image or text you submit is sent to the third-party AI provider we use for processing. Please do not submit anything you would not want processed off your device.

AI results are produced automatically and can be wrong, including misreading amounts. Always check them before saving. We do not guarantee the accuracy of the results.

These features have a daily usage quota on both the free and the paid plans. The quota resets each day, and we may adjust it to control cost or prevent abuse.

Your data and backups

The entries you record are stored primarily on your own device. Uninstalling the app, clearing its data, or losing the device without a backup means the data is gone and cannot be recovered.

The app can back up your data to our storage. Cloud backup is a paid-plan benefit.

Images you attach to a transaction are uploaded to our storage, kept separately per user account. They are not held on your device only.

Taking backups and keeping them current is your responsibility. We strongly recommend turning backup on, and we are not responsible for data lost because it was never backed up.

Restoring from a backup overwrites all current data on the device and cannot be undone.

You can export your data as a PDF or CSV file from within the app.

Subscription plans

We offer the following plans:

• Monthly, renewing automatically every month

• Yearly, renewing automatically every year

• Lifetime, a one-time payment with no renewal

Payment

All purchases are processed through the payment system of the store you downloaded the app from, either the Apple App Store or Google Play. Payment is charged to your store account upon purchase confirmation.

The price that applies is the price shown in the app or in the store at the moment you buy, which may differ from the price shown on this website depending on the date and on local currency.

Monthly and yearly plans renew automatically unless cancelled at least 24 hours before the end of the current billing period. Your account is charged for renewal within 24 hours prior to the end of that period.

Lifetime access

Lifetime access is a one-time purchase with no recurring charge and nothing to renew.

If you already have a monthly or yearly plan and then buy lifetime access, your existing subscription is not cancelled automatically. You have to cancel it yourself in your store's subscription settings, otherwise you will keep being charged.

Lifetime means for the operating life of the app. It is not a guarantee that the app, or any individual feature, will be available forever. If we ever stop providing the service, what we commit to is set out under changes to or withdrawal of the service below.

Restoring purchases

Paid access is tied to the Money Melon account you were signed in with when you bought it. On a new device or a fresh install, sign in with the same account and use the restore purchases option in the app.

Billing, renewal and cancellation stay with the store account you bought through, and follow that store's terms.

Cancellation and refunds

You can cancel at any time from the subscription settings of the store account you bought through. Cancellation takes effect at the end of the period you have already paid for.

Uninstalling the app does not cancel a subscription.

Refunds are handled under Apple's or Google's policy, whichever applies. We do not process refunds directly.

Free trials

We do not currently offer a general free trial. Subscriptions are charged immediately upon purchase, unless a specific offer says otherwise in the app or in the store.

The app has a free plan you can keep using indefinitely, within the limits shown in the app.

Changes to prices and benefits

We may change prices, add or remove benefits from a plan, or move features between the free and paid plans.

Price changes on an auto-renewing plan are notified in advance according to the store's rules, and you can cancel before the next billing period if you do not want to pay the new price.

Acceptable use

You agree not to:

• use the app for anything unlawful, or in a way that infringes anyone else's rights;

• reverse engineer, decompile, tamper with or attempt to access parts of the system that are not open to you;

• use automated tools, create bulk accounts, or work around usage quotas and limits;

• disrupt the service, or place abnormal load on our systems or on the third-party services we rely on;

• upload unlawful content, or other people's data that you have no right to use.

Your data and content

The data you record in the app, including transactions, attached images and notes, remains yours. We claim no ownership of it.

You grant us only the rights we need to store, process and pass that data to the service providers we use, purely to deliver the features you ask for, such as backup and AI receipt reading.

Other people's data that you record

The app lets you record information about other people, such as the names of people you split a bill with, who borrowed or lent money, and slip images that show a recipient's account name.

You are the controller of, and responsible for, any personal data about third parties that you bring into the app. You confirm that you have the right or the consent to use it under the data protection law that applies to you.

We process that data only as a service provider acting on your instructions, and we do not use it for any other purpose.

Intellectual property

The app itself, its software, content, trademarks, logos and design, in the app and on this website, are the property of Money Melon. You may not copy, modify, distribute or reproduce them without our prior written permission.

Feedback and suggestions

If you provide feedback, ideas or suggestions, you grant us the right to use them without any obligation to compensate or credit you.

Deleting your account and ending use

You can delete your account yourself from the profile screen in the app.

When you delete your account we also delete the backups and images you kept in our storage. Data on your own device you have to delete yourself.

Account deletion cannot be undone, and it does not automatically cancel a subscription held by your store account. Cancel at the store first if you do not want to be charged again.

We may suspend or terminate accounts that breach these terms, or that are used in a way that harms other users or our systems.

Changes to or withdrawal of the service

We may add, change or remove features as the app develops, and we may stop providing it altogether in future.

If we decide to withdraw the service, we commit to the following:

• We will give at least 180 days' notice, through the app or by email to the address on your account.

• Throughout the notice period you can keep using the app as normal, export your data as PDF or CSV, and download your backup files.

• After the cloud side is shut down, the features that run on your device, such as recording transactions, viewing summaries and exporting data, keep working for as long as the app runs on your device. The features that need a connection stop working: cloud backup, AI scanning, voice entry, and gold, stock and exchange rate data.

• Withdrawing the service does not delete the data held on your device.

Limits on those commitments

We have no control over whether a future operating system, a new device, or a change in store policy will still let the final version of the app run or be installed. The commitment to keep the app usable covers what is within our control.

Lifetime access is a one-time payment for the right to use the app while it is being provided. We have no refund obligation if the service is withdrawn. This does not affect any right you have to request a refund from the store under that store's policy.

We strongly recommend exporting your data or downloading a backup to keep yourself during the notice period.

Additional terms for users who download from the Apple App Store

If you downloaded the app from the Apple App Store, the following also applies, and prevails over anything else in this document to the extent of a conflict.

• These terms are an agreement between you and Money Melon only, not with Apple. Money Melon alone is responsible for the app and its content.

• Apple has no obligation to provide any maintenance or support for the app.

• If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the app. Apple has no other warranty obligation whatsoever.

• Money Melon is responsible for any claim by you or a third party relating to the app, including product liability, failure of the app to meet legal requirements, and claims under consumer protection or data protection law.

• If a third party claims the app infringes their intellectual property, Money Melon alone is responsible for investigating, defending, settling and discharging that claim.

• You confirm that you are not located in a country subject to a US government embargo or designated as supporting terrorism, and that you are not on any US government list of prohibited or restricted parties.

• Apple and its subsidiaries are third-party beneficiaries of these terms and have the right to enforce them against you.

Limitation of liability

The app is provided as is, without warranties of any kind. We do not warrant that it will run without interruption or error, or that data and calculations will always be accurate and complete.

To the maximum extent permitted by law, we are not liable for damages arising from the use of, or inability to use, the app, including lost data, inaccurate AI results, incorrect third-party price data, and financial decisions based on information in the app.

Changes to these terms

We may update these terms from time to time. Minor wording changes, and changes that bring the text in line with features that already exist, take effect when posted on this website, with the last updated date shown at the top of the page.

For changes that materially affect your rights, such as reducing a benefit you have already paid for or increasing your liability, we will give at least 30 days' notice through the app or by email to the address on your account.

Continuing to use the app after a change takes effect means you accept the updated terms. If you do not accept them, you can stop using the app and delete your account.

Privacy policy

Your use of the app is also governed by our privacy policy, which you can read on the privacy page.

General

These terms are published in Thai and in English. The English version is a translation provided for convenience. If the two differ in meaning, the Thai version prevails. This does not stop you relying on wording in the English version where it is more favourable to you.

If any provision of these terms is held invalid or unenforceable, it is severed to the minimum extent necessary and the rest stays in force.

If we do not enforce a right straight away, that is not a waiver of it and does not stop us enforcing it later.

You may not assign your rights or obligations under these terms without our consent. We may assign ours to an affiliate or to a successor of the business, provided your rights are not reduced.

We are not liable for delay or failure to provide the service caused by events beyond our reasonable control, such as natural disasters, network failures, acts of government, or an outage at a third-party provider we rely on.

These terms, together with the privacy policy, are the entire agreement between you and us about your use of the app, and replace any earlier agreement or statement.

Contact us and complaints

If you have questions about these terms, or want to raise a complaint about the service, billing or your personal data, contact us at moneymelon.team@gmail.com.

We will respond within 15 business days of receiving it.