Terms of Use
These terms form an agreement between you and maneko ("maneko", "we", "us") and govern your use of the maneko application and website (the "Service"). By creating an account or using the Service, you accept these terms. If you do not accept them, do not use the Service.
1. The Service
maneko is a personal financial record-keeping tool. You record what you own, owe, earn and spend, and the Service organises that information and presents totals, summaries and projections derived from it.
maneko is not a bank, a broker, a payment institution or a money services business. It does not hold, transfer or manage funds, and it is not authorised or regulated as a financial service in any jurisdiction.
2. No financial advice
The Service provides information, not advice.
Nothing made available through the Service — including balances, summaries, projections, alerts and responses from the in-app assistant — constitutes financial, investment, tax, accounting or legal advice, or a recommendation to take or refrain from any course of action.
You acknowledge that:
- Information in the Service is derived from data you provide, and is only as accurate as that data.
- Figures obtained automatically from documents or images may contain errors, and exchange rates and
valuations may not be current.
- Projections are calculations based on historical data and are not predictions of future outcomes.
- Responses generated by the assistant are produced by automated systems and may be inaccurate or
incomplete.
You are solely responsible for the accuracy of the information you enter, for verifying any information before relying on it, and for all decisions you make. You should obtain advice from an appropriately qualified and regulated professional before making a financial decision.
No advisory, fiduciary or professional relationship of any kind is created between you and us by your use of the Service.
3. Eligibility and your account
You must be at least 18 years old and capable of entering into a binding contract to use the Service.
You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly at privacy@maneko.app if you believe your account has been accessed without your authorisation.
Accounts are for a single user. Where the Service allows you to share information with others, only the information you have chosen to share is made visible to them.
4. Your content
You retain all rights in the information, documents and images you submit to the Service ("Your Content"). We claim no ownership of it.
You grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, process and display Your Content solely to the extent necessary to operate and provide the Service to you. This licence exists only so that we can store your records and show them back to you. It does not permit us to publish, disclose or sell Your Content, and it terminates when you delete the relevant content or your account.
You represent and warrant that you own Your Content or otherwise have all rights necessary to submit it, and that submitting it does not infringe the rights of any third party. This applies in particular to images you did not create, including third-party logos and marks.
You must not submit content that is unlawful, infringing, or that contains malicious code. We may remove content that breaches this section and will notify you where we do so.
5. Automated processing and AI features
Certain features process content you submit using automated systems, including third-party artificial intelligence services. This occurs only when you initiate it — by uploading a document or sending a message to the assistant. We do not apply these systems to your records in the background. The providers involved and the categories of data they receive are identified in our Privacy Policy.
Output produced by these features is presented for your review. Records extracted from documents are not added to your books until you confirm them.
6. Acceptable use
You must not: use the Service unlawfully or for any unlawful purpose; attempt to gain unauthorised access to the Service, any account, or any system connected to it; interfere with or disrupt the Service; probe or test its security without our prior written consent; use automated means to access it in a manner that imposes an unreasonable load; or resell or provide the Service to third parties as a service of your own.
7. Fees
The Service is currently provided free of charge. If paid plans are introduced, applicable fees and terms will be presented to you before any charge is incurred, and you will not be charged for any plan you have not expressly selected. Payments are processed by a third-party payment provider; we do not receive or store your full payment card details.
8. Your data
You may export your data and delete your account at any time from within the Service. Deleting your account removes your records and documents, subject to the retention periods described in our Privacy Policy. How we handle personal information is set out in that policy, which forms part of these terms.
9. Availability
The Service is provided on an "as is" and "as available" basis. We do not warrant that it will be uninterrupted, timely, secure, or free from error, and we do not guarantee any level of availability.
You are responsible for maintaining your own copies of any information you cannot afford to lose. The export function exists for this purpose.
We may modify, suspend or discontinue any part of the Service, in whole or in part, at any time. If we discontinue the Service altogether we will use reasonable endeavours to give you advance notice by email so that you may export your data.
10. Disclaimers and limitation of liability
To the maximum extent permitted by applicable law, we exclude all warranties, conditions and terms implied by statute or common law, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement.
To the maximum extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential or exemplary damages, or for any loss of profits, revenue, data or goodwill, however caused. This includes any loss arising from decisions you make in reliance on information presented by the Service.
We are not liable for any loss or corruption of data, or for any failure to store, transmit or process it, however caused.
Our total aggregate liability arising out of or in connection with these terms, whether in contract, tort (including negligence) or otherwise, is limited to the total amount you have paid us, if any, in the twelve months preceding the event giving rise to the claim. Where the Service is provided free of charge, that amount is nil.
Any claim arising out of or in connection with these terms must be brought within twelve months of the date on which the cause of action arose, after which it is permanently barred to the extent permitted by applicable law.
Nothing in these terms excludes or limits liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or for any other liability that cannot lawfully be excluded. If you are a consumer, these terms do not affect your statutory rights.
11. Indemnity
You agree to indemnify us against any claim, demand, loss or expense arising from Your Content, your use of the Service, or your breach of these terms or of any applicable law or third-party right.
12. Suspension and termination
You may stop using the Service at any time and delete your account from within it.
We may suspend or terminate your access where you materially breach these terms, where your use is unlawful, or where it threatens the security or integrity of the Service. Except where immediate action is necessary, we will give you notice and a reasonable opportunity to export your data.
13. Changes to these terms
We may amend these terms. Where a change is material, the version number will be updated and you will be asked to accept the revised terms before continuing to use the Service. Each version you have accepted is recorded, together with the date of acceptance.
14. General
These terms constitute the entire agreement between you and us in relation to the Service, and supersede any prior understanding. If any provision is found unenforceable, it is severed and the remaining provisions continue in full effect. Our failure to enforce a provision is not a waiver of it. You may not assign or transfer these terms without our prior written consent; we may assign them in connection with a transfer of the Service.
We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including failures of infrastructure, networks or third-party providers.
These terms do not confer any right or benefit on any person who is not a party to them.
15. Governing law
These terms are governed by the laws of Malaysia, and the courts of Malaysia have jurisdiction over any dispute arising from them. If you are a consumer resident elsewhere, you retain the benefit of any mandatory protections of the law of your country of residence, and may bring proceedings there.
16. Contact
Questions about these terms: privacy@maneko.app