Terms and Conditions

1. Scope

These Terms and Conditions apply to the use of Monetary Mind — available at finflowly.de and through its associated apps. Provider: Gunnar Maschke, c/o COCENTER, Koppoldstr. 1, 86551 Aichach, Germany. Contact: support@monetarymind.app.

2. Service Description

Monetary Mind is a personal finance tracker offering transaction management, bank synchronisation via GoCardless (PSD2), and rule-based coach insights for your financial overview. The coach insights are purely informational and do not constitute investment, tax, or legal advice. Monetary Mind is not a financial product within the meaning of applicable capital markets law and does not itself provide payment or account-information services — bank connectivity is handled exclusively by the licensed third-party provider GoCardless.

3. Formation of Contract

The contract is concluded upon registration at finflowly.de. You must be at least 18 years old to use Monetary Mind. Use is limited to personal, non-commercial purposes only.

4. Usage Rights

You receive a simple, non-transferable right to use Monetary Mind for the duration of your active subscription. Reverse engineering, decompilation, or sharing access with third parties is not permitted. Each natural person may only hold one account.

5. Beta Notice

Monetary Mind is currently in beta. The feature set may change, expand, or be reduced. During the beta phase, no specific service level is guaranteed (no SLA). We operate on a best-effort basis.

6. Availability

After the beta phase ends, we aim for a monthly uptime of ≥ 99%. Planned maintenance will be announced in advance. During the beta phase, no specific availability is guaranteed.

7. Pricing and Payment

Current pricing is available at finflowly.de. Payments are processed via Lemon Squeezy (Merchant of Record). During the beta phase, free or discounted access (including lifetime access) may be granted in limited numbers and at our discretion; there is no legal entitlement to such access. Price changes for ongoing subscriptions will be announced at least 30 days in advance.

8. Right of Withdrawal

As a consumer, you have a 14-day right of withdrawal for new subscriptions (EU consumer law). For immediately accessible digital content, the right of withdrawal may lapse if you have explicitly agreed that performance begins immediately. Additionally, we voluntarily offer a 30-day money-back guarantee during the beta phase.

9. Cancellation and Account Deletion

You can cancel your subscription at any time with immediate effect in the settings; this downgrades your account to the free tier and your data is retained. The current billing period will not be refunded — except in the case of valid withdrawal. Full deletion of your account is requested separately in the settings: it is executed irreversibly after a 30-day window and can be cancelled at any time within that window.

10. Liability

For intent and gross negligence, as well as for injury to life, body, or health, we are liable without limitation in accordance with statutory provisions. For slightly negligent breach of material contractual obligations (cardinal obligations whose fulfilment is essential to the proper performance of the contract and on which you regularly rely), our liability is limited to the foreseeable damage typical for this type of contract; otherwise, liability for slight negligence is excluded. We accept no liability for financial decisions you make based on the purely informational coach insights. We are not liable for failures of independent third-party providers (e.g. GoCardless or the payment processor) or for events of force majeure. Liability under the Product Liability Act and other mandatory statutory provisions remains unaffected by the above limitations.

11. Privacy

Protecting your data is important to us. Your personal data is processed in accordance with our Privacy Policy and the requirements of the GDPR.

View Privacy Policy →

12. Final Provisions

We will notify you of changes to these Terms at least 30 days before they take effect, in text form (e.g. by email). If you do not object within that period, the changes are deemed accepted; we will draw your attention to this right of objection and its consequences in the notice. German law applies, excluding the UN Convention on Contracts for the International Sale of Goods; mandatory consumer protection provisions of your country of residence remain unaffected. The place of jurisdiction is Aichach (Bavaria), Germany, to the extent permitted by law. Should any individual clause of these Terms be invalid, the remaining provisions shall remain unaffected.