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Terms & Conditions

Last updated: July 22, 2026

1. Introduction and Acceptance of Terms

These Terms & Conditions (“Terms”) govern your use of Moniqo, an open-source, privacy-first, zero-based budgeting application. They apply to:

  • The Moniqo hosted service, if and when Moniqo (the project/maintainers) operates one ("Moniqo Cloud"), and
  • Self-hosted instances of Moniqo, which you or your organization deploy and control (see Section 4).

By creating an account on Moniqo Cloud, or by deploying and using a self-hosted instance of Moniqo, you agree to these Terms. If you do not agree, do not use the service or the software.

Moniqo’s source code is public, and these Terms are written to reflect the application as currently implemented. Where a feature is referenced but not yet built, we say so explicitly rather than describing it as available today. See the Privacy Policy for how your data is collected, used, and protected.

2. Description of Service

Moniqo lets you organize your finances using envelope-based, zero-based budgeting: you create budgets, add financial accounts, allocate money into envelopes, and record transactions against them. Budget access is controlled by membership and role (Owner, Admin, Editor, or Viewer).

Moniqo may be used in two ways:

  • Moniqo Cloud — a hosted instance operated by the Moniqo project or maintainers, if and when one is offered.
  • Self-hosted — an instance you or your organization deploy yourself, for example using the project’s Docker Compose deployment configuration.

There is currently no payment or subscription feature implemented in the product; Moniqo does not collect billing information from you.

3. Open Source License

Moniqo’s source code is publicly available and licensed under the GNU General Public License v3 (GPL v3). The full license text is available at github.com/moniqohq/moniqo/blob/main/LICENSE.

If you download, modify, or redistribute Moniqo’s source code, your rights and obligations in doing so are governed by the GPL v3, not by these Terms. These Terms instead govern your use of a running instance of the application (Moniqo Cloud or a self-hosted deployment), including your account, your data within it, and your conduct while using it.

4. Self-Hosted Deployments

Moniqo is designed to be self-hostable. If you or your organization run your own instance:

  • You are solely responsible for that instance — its infrastructure, security, availability, backups, and compliance with any laws applicable to you or your users.
  • Moniqo (the project/maintainers) has no access to, and no liability for, data held in your self-hosted deployment. The application contains no update-checker, license-check, or telemetry “phone-home” mechanism that contacts any Moniqo-operated server — this has been verified directly against the source code.
  • If your deployment is exposed to the internet through a tunnel (e.g., a Cloudflare Tunnel, as shown in the reference deployment configuration), that tunnel is one you configure and control.
  • These Terms’ statements about “Moniqo Cloud” apply only if and when such a hosted offering exists and you use it; they do not create any obligation on the part of Moniqo toward your self-hosted deployment or its users.

5. Accounts & Eligibility

To use Moniqo Cloud (or a self-hosted instance’s registration flow), you must register an account with a username, email address, and password. You agree to:

  • Provide accurate registration information
  • Keep your password confidential and secure
  • Notify the operator of your instance promptly if you believe your account has been compromised

Moniqo is not directed at children under 16, and registration is not intended for use by children under that age, consistent with the Privacy Policy.

Moniqo does not currently offer two-factor/multi-factor authentication (2FA/MFA) or third-party social login — sign-in options shown in the interface beyond email/password are not yet functional.

6. Acceptable Use

When using Moniqo (Moniqo Cloud or a self-hosted instance operated by someone else), you agree not to:

  • Attempt to access a budget you are not a member of, or to circumvent budget-membership role checks
  • Attempt to bypass rate-limiting on login, registration, or password-reset endpoints, or otherwise attempt credential-stuffing or brute-force access
  • Use the service for any unlawful purpose
  • Interfere with or disrupt the operation of the service or attempt to gain unauthorized access to its infrastructure

Violation of this section may result in suspension or termination of your account by whoever operates the instance you use.

7. User Content & Data Ownership

You own the data you enter into Moniqo — your accounts, envelopes, transactions, and budget information. Moniqo does not claim ownership over your financial data.

How your data is collected, used, stored, and shared is described in full in the Privacy Policy, which is incorporated into these Terms by reference. Because a budget is a shared, collaborative space, data you enter into a budget is visible to other members of that same budget according to their assigned role.

8. Service Availability & Changes

Moniqo Cloud, if operated, is provided on an “as available” basis. No specific uptime or service-level commitment is implemented or promised at this time.

Features described anywhere on the Moniqo website or in the Privacy Policy as “not yet implemented” (such as data export, two-factor authentication, bank-account linking, or budget invitations by email) are not promised or guaranteed under these Terms. The product may change, and features may be added, modified, or removed, as it evolves.

9. Disclaimers

Moniqo is open-source software provided “AS IS,” without warranty of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by applicable law and consistent with Sections 15–16 of the GPL v3.

No system is perfectly secure, and Moniqo cannot guarantee absolute security of your data, whether on Moniqo Cloud or a self-hosted instance. If you discover a security issue, please report it responsibly (see the project’s SECURITY.md for the current process).

10. Limitation of Liability

To the fullest extent permitted by applicable law, Moniqo (the project and its maintainers) shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, arising out of or related to your use of Moniqo Cloud or any self-hosted instance, including instances operated by third parties.

For self-hosted deployments in particular, the maintainers of the open-source project have no access to a self-hosted instance’s data and no control over how it is operated, and bear no liability for how a self-hosted instance is deployed, secured, or maintained by you or your organization.

11. Termination

You may stop using Moniqo at any time. If Moniqo Cloud is offered, you may delete your account through the application. As described in the Privacy Policy, account deletion is a soft delete — your account is deactivated and active sessions/tokens are invalidated immediately, while budget-level transaction history may be retained for audit integrity unless you are the sole Owner performing a full deletion.

Whoever operates the instance you use (Moniqo Cloud, if offered, or a self-hosting administrator) may suspend or terminate your access for violation of Section 6 or these Terms generally.

12. Governing Law

Moniqo is an open-source project, and no specific governing law, jurisdiction, or dispute-resolution venue has been established for Moniqo Cloud as of this writing. This section will be updated to specify governing law and venue if and when Moniqo Cloud is operated as a commercial hosted service.

For self-hosted deployments, you and your organization are responsible for ensuring your use of Moniqo complies with the laws applicable to you.

13. Changes to These Terms

We may update these Terms as the product evolves, particularly as Moniqo Cloud (if offered) matures or as new features are built out. We will update the “Last updated” date above when we do, and for material changes we will provide reasonably prominent notice, such as an in-app notice or an announcement in the project’s release notes.

14. Contact Information

If you have questions about these Terms, please reach out through the project’s official contact channels listed on the Moniqo website or GitHub repository.