Terms of Service

Version 2.0. Last updated: September 5, 2026. Effective as of 05/09/2026.

Welcome to Monely! These Terms of Service ("Terms") establish the conditions for using our personal finance management app ("Service", "App" or "Monely"). By creating an account or using Monely, you agree to these Terms.

Monely is an app and service operated by CHARLES BERTI TECNOLOGIA DA INFORMAÇÃO LTDA, a limited liability company registered under CNPJ No. 66.037.451/0001-01, headquartered at Rua Pais Leme, 215, conjunto 1713, Pinheiros, São Paulo/SP, CEP 05424-150. In this document, references to "Monely", "we" or "Service" designate that company and the app it operates.

The Service is made available through apps for Android and iOS, distributed by Google Play and the App Store, and through a browser version at web.monely.app. These Terms apply to all of these forms of access.

Please read these Terms carefully before using the Service. If you do not agree with any condition, do not use the App.

1. Acceptance of the Terms and Capacity

1.1 Acceptance and minimum age

By creating an account or using Monely, you confirm that:

• You have read, understood and agree to these Terms of Service;
• You have read and agree to our Privacy Policy;
• You have the legal capacity to enter into this agreement or, being a minor, you use the Service with the authorization and under the supervision of your legal guardian, who accepts these Terms on your behalf and is responsible for the use of the account.

Monely is a personal finance service designed for adults. It is not directed at children or adolescents and has no features aimed at that audience. The processing of minors' data is described in section 8 of the Privacy Policy.

We electronically record the date, time and version of the Terms you accept. That record evidences your acceptance and serves as proof of the agreement.

1.2 Use on behalf of a company

If you are using the Service on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.

2. The Service

2.1 What Monely offers

Monely is a personal finance management app that allows you to:

• Record income, expenses and transfers manually (and by voice, through the Android widget);
• Record transactions via WhatsApp with an Artificial Intelligence assistant;
• Scan receipts and invoices for automatic recording (OCR) and attach receipts to records;
• Import transactions from files (CSV, XLS, XLSX or OFX) and from other finance apps;
• Organize transactions by categories, labels and accounts;
• Plan future payments and installment purchases, and track loans and debts;
• Set credit limits and track credit card statement closing;
• Set and track financial goals and investment objectives;
• Record fixed-income investments and follow an estimate of their return;
• View reports and charts about your finances;
• Chat with an AI assistant to get personalized financial insights (subject to consent);
• Receive daily AI-generated insights about your financial habits (subject to consent);
• Share expenses in groups, including couples mode, with a split proportional to participants' income (optional);
• Take part in the referral program, rankings and achievements such as medals and streaks;
• Sync data across devices and access your account from a browser, according to your plan.

The availability of each feature may depend on the plan, the platform (Android, iOS or browser) and the country, as presented in the app.

2.2 How your data enters Monely

Financial data is entered by you, manually, by scanning a receipt (OCR), by importing a file or by message on WhatsApp. Monely does not connect to banks or to Open Finance or Open Banking systems and does not automatically import your account statements.

Expense splitting: in shared groups, the proportional split is calculated arithmetically, based on the income reported by each participant, without the use of artificial intelligence.

2.3 What Monely is not

Monely is a financial organization tool. We are not a financial institution, payment institution, broker or investment advisor. We do not offer, intermediate or hold in custody credit, investments or banking services, we do not move money between people or accounts, and we do not connect to your bank accounts. Settlements between participants of shared groups and the investments recorded in the app are informational records: the corresponding money remains at the institutions you use.

The information, calculations, insights and educational content presented by Monely are for informational purposes and do not constitute investment advice, analysis or recommendation, nor financial, accounting, tax or legal advice. Decisions about your money are yours.

2.4 Changes to the Service and integrated features

We reserve the right to modify, update, add or discontinue features and functionality (free or paid) and to change technical requirements, such as minimum operating system versions, at any time. When a change significantly affects the use of the Service, we will give prior notice when reasonably possible. Discontinuation of the Service as a whole follows section 9.5.

Integrated features: some features depend on the availability of third-party platforms and services, including messaging providers (such as WhatsApp), Google, Apple and artificial intelligence providers. Any limitations, changes or interruptions of those services, including due to API modifications or new restrictions imposed by the providers, may temporarily affect certain features of Monely, without prejudice to the app's other features and without this entailing any liability on the part of Monely, subject to section 8.

3. Plans, Subscriptions and Payments

3.1 Available plans

Monely offers a free plan and paid subscription plans. The plans offered, their features, usage limits, prices and any promotional offers or discounts are presented within the app itself, in the official stores (Google Play and App Store) at the time of purchase, and on our website. These plans, features, limits, prices and offers may be changed at any time. The final price, including applicable taxes, is always presented by the store before the purchase is confirmed, and price changes do not affect the period already paid for a subscription in effect. Some paid plans may allow the subscription to be shared among members of the same family, according to the conditions shown at the time of purchase and section 3.9. Access through the browser version may depend on the plan, as presented in the app.

The free plan does not limit how many records you can create. It does not include some features, which are presented within the app and on our plans page. When you use a feature that is not part of your plan, you are informed and can subscribe to a plan that includes it. The content you have already created remains available for viewing, editing and export, whatever your plan.

3.2 Initial records bonus

New users may receive an initial bonus to try out paid features. The conditions and amount of the bonus are presented within the app itself and may be adjusted at any time. When the bonus ends, the account follows the conditions of the free plan, and the content created during the bonus remains available as described in section 3.1.

3.3 No advertising

Monely does not display ads on any plan, free or paid.

3.4 Payment Method

Subscription payments are processed exclusively through the official stores:

• Google Play Store for Android devices;
• App Store for Apple devices (iPhone/iPad).

Available payment methods are those accepted by the respective stores, which may include credit card, debit card, bank slip, Pix or store credits. The browser version has no billing of its own: a subscription purchased in one of the stores applies to every form of access. We do not request card details and we do not store payment methods.

3.5 Automatic Renewal

Subscriptions are automatically renewed at the end of each period (monthly or annual), unless you cancel before the end of the current cycle. Billing is done automatically by the corresponding store (Google Play or App Store). If the price of a subscription in effect changes, the store will communicate the change in advance of the renewal and, when required by the store's rules or by law, will ask for your confirmation. If you do not agree with the new price, simply cancel before the renewal.

3.6 Cancellation

There is no commitment. You can cancel your subscription at any time through the store settings (Google Play or App Store). Upon cancellation:

• You keep access to the paid plan until the end of the already paid period;
• After expiration, your account automatically reverts to the free plan;
• Your data is kept and remains available for viewing, editing and export, subject to the features of the free plan;
• You can upgrade again at any time.

Please note: deleting your Monely account does not cancel a subscription purchased in the store, because only you can end it on Google Play or the App Store. Cancel the subscription before deleting your account (section 9.1).

3.7 Right of Withdrawal and Refunds

You may withdraw from your subscription within 7 (seven) days of the purchase date and receive a full refund of the amount paid, with no need to give a reason. To exercise this right, use the Contact button in the app or the Contact page on this website, providing your account email.

Once we receive a request within that period, we cancel the subscription and arrange the refund with the store where the purchase was made. For purchases made on the App Store, the refund is processed by Apple; in that case, we submit the request and follow up on it until it is resolved. How long the credit takes to appear in your payment method depends on the store and on your financial institution. When you withdraw, access to the paid plan ends immediately and your account returns to the free plan, with your data preserved.

After that period, cancelling stops future charges and access to the paid plan remains until the end of the period already paid for, with no pro rata refund. Refund requests made outside the withdrawal period follow the policies of the official stores, without prejudice to the rights granted by applicable law. If the law of your country of residence grants a longer withdrawal period or more favorable conditions, they prevail (section 12.2).

3.8 Plan Change

When a paid subscription ends (by cancellation or non-renewal), your data is kept and remains available for viewing, editing and export. You can still create records with no limit on how many. The features that are not part of the free plan stop being available, and the content already created with them remains visible in your account.

3.9 Family plan

When a plan allows the subscription to be shared with family, the subscription holder invites the members and may activate or deactivate each member's license at any time. A member's access to the plan's features depends on the holder's subscription: if it is cancelled, expires or its renewal is declined, the member's account returns to the free plan. The family license grants access to features, not to data: the holder does not get to see the members' financial data, nor do the members see the holder's. Each account remains individual, and records are only shared through the shared groups described in section 6.5. The holder is responsible for the payments and for the invitations they send.

4. Referrals, Rankings and Achievements

4.1 Referral Program

The Referral Program ("Refer and Earn") allows Monely users to invite friends with their unique referral code. Both the referrer and the referred person may receive benefits within the app, such as ranking points, medals and an extended initial bonus, as presented in the app itself.

4.2 How it Works

Benefits are granted as the referred people create an account and progress in their use of the app. The milestones that generate benefits, the values assigned and the accumulation rules are presented within the app itself and may be changed at any time, without effect on benefits already regularly granted.

4.3 Restrictions

We reserve the right to cancel benefits, including after they have been granted, if fraudulent behavior is identified, including benefits obtained through:

• Creating fake accounts;
• Self-referral (referring yourself);
• Spreading the code through misleading means or spam;
• Any form of fraud or abuse of the program.

4.4 Rankings and Social Features

Monely may offer social features, such as rankings and leaderboards, in which your profile information (username and profile photo) is displayed to other users of the app. Taking part in these features is optional and can be turned off at any time in Settings > Privacy, using the "Don't show me in rankings" option.

By participating in these features, you:

• Authorize the display of your username and profile photo to other users in the context of rankings and community features;
• Grant image usage authorization for display purposes within the app, under the terms of Article 20 of the Brazilian Civil Code;
• Acknowledge that detailed financial data (amounts, transactions, categories) is not shared in rankings;
• May stop taking part in the rankings at any time. While that option is on, your username and profile photo are not shown to other users, and you also stop seeing the ranking lists; your points, your streak and your medals continue to be recorded;
• May request the removal of your data from rankings at any time by contacting us.

4.5 Nature of the benefits

Points, ranking positions, medals, streaks, record bonuses and other achievements are incentive features within the app. They have no monetary value, are not convertible into money, credits or goods, are not transferable and do not involve any draw, contest or distribution of prizes. We may adjust, recalculate or discontinue these features at any time, with notice when the change is relevant.

5. Account and Acceptable Use

5.1 Account Creation

To use Monely, you must create an account providing true, complete and up-to-date information. You can sign up through:

• Email, with a verification code sent to your address when you sign in (there is no password);
• Google account (Google Sign-In);
• Apple account (Sign in with Apple).

5.2 Account Responsibility

You are responsible for:

• Keeping verification codes confidential and keeping control of the email address and the Google or Apple accounts used to sign in to Monely;
• Protecting access to your devices, for example with the app's optional biometric lock;
• All activities performed on your account;
• Notifying us immediately of any unauthorized use;
• Keeping your registration data up to date.

5.3 One Account per Person

Each person should have only one account on Monely. Duplicate accounts created by mistake can be deleted by you at any time. Duplicate accounts created to obtain undue benefits, such as bonuses or referrals, may be terminated without prior notice.

5.4 You Agree to:

• Use the Service to organize your own finances, personal or those of your professional activity, and always for lawful purposes;
• Provide true and accurate information;
• Respect intellectual property rights;
• Keep your means of access secure;
• Comply with all applicable laws and regulations.

5.5 You Agree NOT to:

• Use the Service for any illegal or unauthorized purpose;
• Attempt to access other users' accounts;
• Interfere with or disrupt the operation of the Service;
• Use robots, scrapers or other automated tools to access the Service;
• Transmit viruses, malware or malicious code;
• Collect information from other users without authorization;
• Enter third parties' personal data without a legal basis to do so;
• Resell, sublicense or commercially exploit the Service;
• Decompile or reverse engineer the application, except where expressly permitted by law;
• Create fake or multiple accounts to obtain undue benefits;
• Use the Service for money laundering or fraudulent activities.

6. Your Data and Content

6.1 Data Ownership

You retain all rights to the financial data you enter in Monely. We do not claim ownership of your personal or financial information.

6.2 License of Use

By entering data in Monely, you grant us a limited, non-exclusive and revocable license to process, store and display that data to provide the Service to you. This license includes the display of profile data (username and profile photo) to other users in the context of social features of the app, such as rankings, and the display of the records you choose to share to the participants of your shared groups.

6.3 Data Accuracy and content entered

You are responsible for the accuracy of the information you enter. Monely does not verify the accuracy of entered financial data and is not responsible for decisions made based on that information. When using automatic data extraction (for example, receipt scanning via OCR, file import or AI processing), you are responsible for reviewing the extracted data before confirming the record. You represent that you have the right to use the files, receipts and other content you send to Monely.

6.4 Backup and Export

Monely adopts security measures and regular backup routines to preserve your data and the continuity of the Service. In the event of an incident, we will make reasonable efforts to restore the data from the available backups. Even so, we recommend that you keep copies of your important data. You can export your data at any time, on any plan, through the app settings.

6.5 Shared Groups

Shared groups, including couples mode, let you split expenses with other people. By creating a group or accepting an invitation, you acknowledge that:

• The records you mark as shared become visible to the other participants of the group, with amount, description, category, date and who paid. Your other records remain private;
• In the proportional split, the monthly income you report and the resulting proportion are used in the calculation and may become accessible to the other participants. Share that information only with people you trust;
• The other participants are independent users. Monely does not control the use they make of the information viewed in the group;
• The invitations you send can be accepted by whoever receives them. Send them only to the right people;
• Settlements between participants are informational records. Monely does not make payments or transfers between the people in the group;
• When you leave a group, the records you created remain in your account, and the settlements already made remain in the group's history.

6.6 Artificial Intelligence Features

Monely offers optional features that use artificial intelligence (AI), including the WhatsApp assistant, the in-app AI chat assistant, receipt scanning (OCR), audio transcription, document import and personalized financial insights.

By using these features, you acknowledge and agree that:

• Prior consent: the use of AI features requires your explicit consent, requested within the app before first use. Without this consent, AI features will not be activated;
• Shared data: messages, images, audio, financial transaction data (amounts, categories, dates) and photos of receipts or documents may be sent for processing by third-party AI providers;
• AI providers: your data is processed by Google Cloud Vertex AI as the primary provider. OpenAI is used only as a fallback if the primary provider is unavailable. This constitutes an international data transfer, governed by the Data Processing Addenda of the respective providers. None of these providers use your data to train AI models. See the details of the international transfer in section 9 and of the AI processing in section 7.1 of the Privacy Policy;
• Nature of responses: AI-generated responses and insights are for informational purposes only and do not constitute financial, tax or investment advice. You are responsible for your own financial decisions;
• Accuracy: AI-generated responses may contain inaccuracies. Monely does not guarantee the accuracy, completeness or suitability of AI-generated content. Every record created by the AI can be reviewed, edited or deleted by you;
• No automated decisions: the AI does not make decisions that produce legal effects or significantly affect your interests. It only organizes, records and suggests. You may request human review of any result through the contact channel;
• Human support: conversations with the assistant, in the app or on WhatsApp, may be read and continued by members of our support team, to provide support and investigate problems;
• Availability: the availability of AI features depends on the availability of the third-party providers used by Monely and may be interrupted if those providers become unavailable;
• Evolution: AI features may be subject to changes, limitations or discontinuation due to technological, regulatory or commercial changes;
• Revocation: you may revoke your consent at any time in the app settings, which will disable AI features without affecting other Monely features.

Use of the assistant on WhatsApp is also subject to the terms and privacy policy of WhatsApp, operated by Meta. For more details on how your data is handled in AI features, see section 7.1 of our Privacy Policy.

6.7 Analytics and Measurement

To improve the app and measure the effectiveness of Monely's own outreach campaigns, we collect usage data after your account is created, as described in section 1.4 of the Privacy Policy. Monely does not display ads within the app and does not use the advertising identifier for personalization or remarketing. You may object to this collection at any time through the contact channel or by deleting your account, and you can enable or disable the artificial intelligence features in the app settings.

6.8 Investments Module

The investments module lets you record fixed-income investments (for example, CDB, LCI, LCA and Tesouro Direto government bonds) and follow an estimate of their return, calculated from the data you enter and from publicly published indices and rates, such as the CDI and the Selic rate. By using it, you acknowledge that:

• The values displayed are estimates and may differ from the values calculated by the institution holding the investment, which are the only valid ones for any purpose;
• The calculations do not take into account every contractual condition of each product, and taxes, fees and custody are estimated from general rules;
• The module does not constitute investment advice, analysis or recommendation. Monely does not intermediate, distribute or hold investments in custody;
• The availability of the module may depend on the plan. When you return to the free plan, the recorded investments remain visible, but updated values and transactions may be restricted to a plan that includes the module.

7. Intellectual Property

7.1 Monely Rights

Monely, including its design, source code, logos, trademarks, texts, graphics and other elements, are the exclusive property of Monely or its licensors and are protected by intellectual property laws.

7.2 Limited License

We grant you a personal, limited, non-exclusive, non-transferable and revocable license to use the Monely app, exclusively for the purposes provided for in these Terms and in accordance with them.

7.3 Restrictions

You may not copy, modify, distribute, sell, rent, sublicense, decompile, reverse engineer or create derivative works of Monely without our express written authorization, except where expressly permitted by applicable law.

7.4 Suggestions

If you send us suggestions, ideas or comments about the Service, we may use them freely to improve Monely, with no obligation of payment or confidentiality. This does not apply to your personal and financial data, which remain governed by section 6 and by the Privacy Policy.

8. Warranties, Support and Liability

8.1 Warranties and correction of defects

We work to keep the Service stable, secure and operating as described in these Terms and in the app. Even so, given its technological nature, we do not guarantee that the Service will function uninterrupted or error-free, that it will meet specific expectations not provided for in these Terms, or that it will be available at all times or locations. Defects reported through the channels in section 12.3 will be analyzed and corrected within a reasonable time, observing the legal deadline where applicable.

Nothing in these Terms excludes or limits rights that consumer protection law grants you and that cannot be waived by contract, including with respect to service defects.

8.2 Availability and maintenance

Monely may perform scheduled or emergency maintenance, as well as updates, which may result in temporary unavailability of the Service. Whenever possible, we will announce scheduled maintenance with reasonable advance notice.

8.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Monely will not be liable for loss of profits or for indirect or unforeseeable damages that do not result directly from a failure of the Service;
• Except in cases of willful misconduct or gross negligence and the rights guaranteed to consumers by applicable law, Monely's liability is limited to direct and duly proven damages caused by a failure of the Service;
• We are not responsible for financial, investment or credit decisions you make based on the information, estimates and insights displayed in the app;
• We are not responsible for the content other users share with you in groups, nor for the use they make of the information you share;
• We are not responsible for failures resulting exclusively from third-party services, such as app stores, messaging and artificial intelligence providers, telecommunications networks and your device, without prejudice to the joint liability provided by law when those third parties are part of our supply chain.

No clause of these Terms excludes or limits Monely's liability in cases where the law does not allow such exclusion or limitation.

8.4 Force majeure

Monely will not be liable for delays or failures arising from events beyond its reasonable control, including natural disasters, power outages, unavailability of third-party providers, internet infrastructure failures or governmental orders, for as long as those events last.

8.5 Indemnification

To the extent permitted by law, you agree to indemnify Monely, its partners, employees and service providers for proven losses arising directly from:

• Your violation of these Terms or of the law;
• Your violation of third-party rights;
• Content you enter into the Service unlawfully or without the right to do so.

9. Suspension and Termination

9.1 By You

You can terminate your account at any time in the app settings, using the "Delete account" option, or through the deletion page on this website. Deletion happens in two stages (immediate deactivation and permanent deletion after the grace period), as described in section 4.3 of the Privacy Policy.

If you have a subscription with active renewal, cancel it in the store before deleting your account. Deleting the account does not cancel the subscription, and the app may ask for that cancellation before completing the deletion, so that you are not charged for a service you no longer use.

9.2 By Us

We may suspend or terminate your account if:

• You violate these Terms;
• You provide false information;
• Your use poses a security risk to the Service or other users;
• We are required to by law or by order of a competent authority.

Except in cases of fraud, security risk or legal requirement, we will notify you before suspension or termination, stating the reason, and give you the opportunity to remedy the situation and to export your data.

9.3 Inactive Accounts

Free accounts with no access at all for a prolonged period may be deleted. Before that, we will send a notice to the registered email address at least 30 (thirty) days in advance, and simply signing in to the app will be enough to keep the account.

9.4 Effects of Termination

After account termination, you will lose access to the Service and stored data, which will be deleted in accordance with our Privacy Policy, except where legislation requires its retention (for example, legal, tax or regulatory obligations). We recommend exporting your data before requesting termination.

9.5 Discontinuation of the Service

If we decide to discontinue the Service, we will notify you at least 30 (thirty) days in advance, through the app and by email, so that you can export your data. Amounts paid for a subscription period not used will be refunded proportionally.

10. Changes to the Terms and Communications

10.1 Changes to the Terms

We may modify these Terms to reflect changes in the Service, in the law or in our practices. When that happens:

• We will publish the new version on this website, with the version number and the effective date;
• We will notify you through the app and/or by email;
• When a change reduces your rights or increases your obligations, notice will be given at least 30 (thirty) days in advance, except when the change results from a legal or security requirement, in which case it may take effect immediately;
• We will ask for your express acceptance of the new version in the app. If you do not agree, you may export your data and terminate your account, at no cost.

No change reduces what you have already purchased and paid for the current subscription period. The current version is always available at this address.

10.2 Communications

By creating an account, you agree to receive electronic communications from Monely, including:

• Verification and security codes;
• Notifications about scheduled payments, statement closing and other Service reminders;
• Notices about changes to the Terms, the Privacy Policy or the Service;
• Replies from the assistant and the support team, in the app or on WhatsApp, when you start a conversation;
• Promotional and marketing communications (optional), subject to consent when required by applicable law.

You can manage your notification preferences in the app settings. Communications necessary for the operation of the Service and the security of your account cannot be turned off while the account exists.

11. General Provisions and App Stores

11.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Monely regarding the use of the Service.

11.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

11.3 Waiver

Monely's failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

11.4 Assignment

You may not assign or transfer your rights under these Terms without our authorization. Monely may assign this agreement to a successor company or to a company of the same economic group, in the event of corporate reorganization, merger, acquisition or sale of the business, upon notice to you and without reducing your rights.

11.5 Language

These Terms are written in Portuguese. Versions in other languages are translations offered for your convenience; in case of discrepancy, the Portuguese version prevails.

11.6 Specific provisions for the Apple App Store

If you obtained Monely through the App Store, the following conditions, required by Apple, also apply:

• These Terms are concluded between you and Monely, and not with Apple. Apple is not responsible for the app or its content;
• The license of use is limited to Apple-branded devices that you own or control, as permitted by the Usage Rules of the Apple Media Services Terms of Service;
• Monely is solely responsible for maintenance and support of the app. Apple has no obligation whatsoever to furnish maintenance or support;
• In the event of any failure of the app to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app, if any. To the maximum extent permitted by law, Apple will have no other warranty obligation, and any other claims, losses or costs will be Monely's sole responsibility;
• Monely, not Apple, is responsible for addressing any claims by you or any third party relating to the app, including product liability claims, claims of legal or regulatory non-compliance and consumer protection claims, as well as for investigating and resolving any claim that the app infringes intellectual property rights;
• You represent that you are not located in a country subject to a United States government embargo and are not listed on any United States government list of prohibited or restricted parties;
• When using the app, you must comply with applicable third-party terms, such as those of WhatsApp;
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you.

Developer name and address: CHARLES BERTI TECNOLOGIA DA INFORMAÇÃO LTDA, Rua Pais Leme, 215, conjunto 1713, Pinheiros, São Paulo/SP, CEP 05424-150, Brazil, contato@monely.app.

11.7 Google Play

If you obtained Monely through Google Play, purchases and subscriptions are also subject to the Google Play Terms of Service and the store's refund policies. Google is not a party to these Terms nor responsible for the app.

12. Governing Law, Jurisdiction and Contact

12.1 Governing law and jurisdiction

These Terms are governed by the laws of the Federative Republic of Brazil. To resolve any controversy arising from these Terms, the jurisdiction of the user's domicile is elected, as established by the Consumer Defense Code (Law No. 8.078/1990). Before taking any action, we invite you to reach us through the channels in section 12.3: most issues are resolved directly.

12.2 Users outside Brazil

If you reside outside Brazil, the consumer protection rules of your country of residence that cannot be waived by contract continue to apply to you, including with respect to withdrawal periods, warranties and jurisdiction. Nothing in these Terms restricts those rights.

12.3 Contact and support

If you have questions about these Terms, need support or wish to exercise any right, use one of the channels below:

• Email: contato@monely.app;
• In-app assistant: the conversation can be taken over by a member of our team when needed;
• Contact button in the app settings and the Contact page on this website.

The channels for exercising rights over personal data and for contacting the Data Protection Officer are indicated in section 11 of the Privacy Policy.

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