Terms of Service
Last updated: 11 October 2026
These terms are an agreement between you and Automonie. By creating an account or using the app, you agree to them. Please read them, particularly the section on what Automonie is not.
1. The service
Automonie is a personal finance management tool. It helps you record and categorise transactions, set budgets and savings goals, get reminders for bills and subscriptions, and view insights about your money. Automonie does not hold or move your money. It is available on the web and on Android.
2. Your account
- You must be at least 18 years old and provide accurate registration details.
- You are responsible for keeping your password, PIN and device secure, and for activity that happens under your account.
- Enable two-step verification and app lock where available.
- Tell us immediately at tobe@automonie.com if you suspect unauthorised access.
- One person, one account. Don't share your account with others.
3. What Automonie is not
This section matters, so we've kept it plain:
- Automonie is not a bank and does not take deposits in its own right.
- We do not provide financial, investment, tax or legal advice. Insights, scores, forecasts and suggestions in the app are informational only, generated from the data available to us. They are not a recommendation to take any particular financial action. Decisions about your money are yours.
- Bank linking and subscription payments are provided by licensed third-party partners, and are subject to those partners' own terms.
- Automated categorisation and imported data can contain errors, always check anything important against your bank's own records, which take precedence.
4. Linked bank accounts (coming soon)
Bank linking is not available yet. When it launches, linking a bank account will be optional. If you link one, you authorise us and our open-banking provider to retrieve transaction and account information on your behalf, on a read-only basis. We cannot move money from a linked account. You may disconnect at any time from the app, which stops further retrieval immediately.
5. Bank alerts and automatic capture
- You can forward bank alert emails, turn on notification capture on Android, set up an iPhone Shortcut, or share receipts, so transactions are logged for you. Each is optional and can be turned off at any time.
- Your capture key lets your phone add transactions to your account. Keep it private; you can replace it from the app, which disconnects anything using the old one.
- Captured transactions are read automatically and can be wrong. Check anything important, and correct it in the app.
6. Savings goals
Savings goals record money you set aside yourself. Adding to or taking from a goal in Automonie only updates its progress; no money is moved, held or invested.
7. Acceptable use
Don't: attempt to break, probe or overload the service; access another user's account; scrape or reverse-engineer the app; upload malicious files; or use the service to break the law.
8. Availability
We work to keep Automonie available and accurate, but we provide it "as is". We do not promise uninterrupted or error-free service. We may change, suspend or discontinue features, and will give reasonable notice of significant changes where we can.
9. Fees
Core features are free. Automonie Plus is an optional paid plan, and Student is a lower-priced version of Plus for verified students and corps members. The price of each plan and what it includes are shown clearly before you pay, and you will not be charged without your agreement.
- Plus trial: new accounts get Plus free for 14 days, without a card. When the trial ends the account moves to the free plan; nothing you added is lost. Someone who has already paid for a plan does not get a second trial.
- Student: needs a current verification (a school email, a student ID or NYSC call-up letter we check, or a code from a campus or corps members' event). Verification lasts a year. The first three months may be free, once per person. If verification lapses, the Student plan ends.
- How you pay: in the Android app from Google Play, subscriptions are billed by Google Play under its terms, and you manage or cancel them in Google Play. On the web, payments are made by card through our payment provider, and you can turn off auto-renewal in Settings.
- Paid plans renew each month until cancelled. When you cancel, you keep the plan until the end of the period you paid for. Refunds of Google Play purchases follow Google Play's refund policy.
- Plans described as coming soon cannot be bought until they are available.
- Airtime and bills (where available): you pay the exact amount, plus any fee shown before you pay, by card through Paystack, and we buy the airtime, data, TV subscription or electricity from our provider, VTpass, once your payment is confirmed. Automonie does not hold your money. If the provider declines a purchase, the card payment is refunded. If the outcome is unclear, we check with the provider before deciding; a purchase that has been delivered (for example airtime credited or an electricity token issued) cannot be refunded. Check the phone, smartcard or meter number before you pay.
10. Your content
Your financial data remains yours. You grant us only the permission needed to operate the service for you, to store, process and display your data back to you. We do not sell it. See our Privacy Policy.
11. Intellectual property
The Automonie name, logo, software and design are owned by us. These terms don't transfer any of that to you.
12. Ending your account
You can delete your account at any time from the app. We may suspend or terminate an account that breaches these terms, is used unlawfully, or poses a risk to other users or to us.
13. Liability
To the maximum extent permitted by law, Automonie is not liable for indirect or consequential loss, or for loss arising from decisions you take based on information in the app, from errors in imported or categorised data, or from failures of third-party banking or payment partners. Nothing in these terms excludes liability that cannot lawfully be excluded.
14. Changes to these terms
We may update these terms. The date at the top will change, and we will notify you of material changes in the app or by email. Continuing to use Automonie after a change means you accept the updated terms.
15. Governing law
These terms are governed by the laws of the Federal Republic of Nigeria, and the Nigerian courts have jurisdiction over any dispute.