Agreement
By downloading or using Money Go, you agree to these terms and to our Privacy Policy. Money Go is operated by German Espitia ("we", "us"). If you don't agree, please don't use the app.
Who can use Money Go
You must be at least 18 years old and able to agree to these terms. Money Go works with US bank and credit card accounts that Plaid supports.
What Money Go is (and is not)
Money Go helps you track and categorize your spending and ask questions about it. It is not a bank, lender, broker, tax preparer, or financial advisor. Nothing in the app, including anything the AI assistant says, is financial, tax, legal, or investment advice. You are responsible for your own financial decisions. Check important numbers against your bank's records.
Your account
You sign in with your email address, and Money Go emails you a sign-in link. Keep your email account secure, because anyone who can open those emails can sign in to Money Go as you. You are responsible for activity under your account. Tell us promptly if you suspect someone else has access.
Bank connections
Linking a bank uses Plaid. You sign in to your bank in Plaid's screens, and Plaid's End User Privacy Policy and terms apply to that connection. By linking an account, you authorize Money Go to get your account and transaction data through Plaid so the app can work. Money Go has read-only access and cannot move money. Bank data can be incomplete, delayed, or wrong, and we don't control it.
AI features
If you allow it, Money Go uses AI to categorize transactions, answer your chat questions, help you edit transactions, and write notification lines. To do this, we send parts of your data to OpenRouter, which passes it to AI hosts that run Claude, such as Amazon Bedrock and Google Cloud. They don't store or train on it. Our requests don't go to Anthropic's own service. Categorization uses only the AI model. Merchant descriptions aren't sent to any search engine, and merchants the model can't identify go to your review list for you to categorize. The Privacy Policy explains exactly what is sent, to whom, and the choices you have.
- Your choice. The app asks for your permission before sending your data to AI. If you choose Not now, or turn AI features off in Settings, Chat and typed edits are off. Your transactions still come in and are filed without AI where possible, and you can categorize the rest yourself. You can turn AI on or off at any time in Settings.
- AI can be wrong. Categories, answers, totals described in chat, and notification text may be inaccurate or incomplete. Review anything that matters to you.
- Edits from chat. When you ask the assistant to change transactions (recategorize, split, change a date, or add a note), Money Go makes the change. It asks you to confirm first when a request is unclear. You can change any category or edit afterward.
- What you type. Don't put information you don't want processed, such as passwords or Social Security numbers, into chat.
- Don't use the AI features to produce anything unlawful or harmful, or to try to get around the app's limits.
Third-party services
Money Go relies on other companies, including Plaid (bank connections), Supabase (database and sign-in), Vercel (hosting), OpenRouter and the AI hosts that run Claude, and Apple (push notifications and speech recognition). Their own terms and policies apply to their services. We aren't responsible for their outages, errors, or actions.
Acceptable use
Use Money Go only for your own personal, lawful purposes. Don't try to break, overload, scrape, or reverse-engineer the service. Don't access other users' data or link accounts you aren't authorized to use.
Changes to the service
We may change, add, or remove features. Data may sometimes be delayed or incomplete. We may suspend or end the service, or your access, if you break these terms or if we need to protect the service or other users.
Deleting your account
You can delete your account at any time in the app: open Settings (gear icon), tap Delete account, then tap Delete. You can also email us, and we'll delete it within 30 days. The Privacy Policy explains what is deleted and what is kept.
Disclaimer
Money Go is provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows. We don't promise that the app, its data, its categories, or its AI answers will be accurate, complete, uninterrupted, or error-free.
Limitation of liability
To the fullest extent permitted by law, Money Go and its operator are not liable for indirect, incidental, special, or consequential damages from your use of the app. That includes errors in transaction data, categorization, AI-generated answers or edits, and periods when the app is unavailable. Our total liability for any claim is limited to the amount you paid us for the service in the past twelve months. Money Go is currently free and has no in-app purchases, so that amount is currently zero.
Apple
You got Money Go from Apple's App Store. Your license to use the app is governed by Apple's Licensed Application End User License Agreement (the "Standard EULA"). These terms supplement the Standard EULA. If they conflict, the Standard EULA controls as between you and Apple. Apple is not responsible for the app or its content, and it has no obligation to provide maintenance or support for it.
Governing law
These terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-law rules.
Changes to these terms
We may update these terms. We'll post the new version here and update the date at the top. If you keep using Money Go after a change takes effect, you accept the updated terms.
Contact
Questions about these terms? Email ge.espitia@gmail.com.