Terms of Service

Last updated: November 8, 2026

1. Acceptance of Terms

By creating an account or using Pronoa ("the App"), you agree to these Terms of Service. If you do not agree, please do not use the App.

2. Description of Service

Pronoa is a personal finance management application that helps you track income, expenses, debts, and savings goals. The App includes AI-powered financial insights and coaching features.

3. Account Responsibilities

• You must provide accurate information when creating your account.
• You are responsible for maintaining the security of your account credentials.
• You must be at least 16 years old to use the App.
• You are solely responsible for all activity that occurs under your account.

4. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose.
• Attempt to gain unauthorised access to any part of the App or its systems.
• Interfere with or disrupt the App's infrastructure.
• Use automated systems or software to extract data from the App.

5. Financial Disclaimer

Pronoa provides financial tracking tools and AI-generated insights for informational purposes only. The App does not provide professional financial advice. AI-generated recommendations are based on the data you provide and general financial principles. You should consult a qualified financial adviser before making significant financial decisions.

6. AI Features

Certain features use artificial intelligence (powered by OpenAI) to generate insights, health scores, and coaching recommendations. These outputs are generated automatically and may not always be accurate or appropriate for your specific situation. We do not guarantee the accuracy or completeness of AI-generated content. Features that send your data to OpenAI ask for your permission first; see the Privacy Policy.

7. Premium Subscription

• Premium is an auto-renewing subscription bought through your Apple ID. The price and the length of each period are shown before you buy.
• Payment is charged to your Apple ID when you confirm the purchase.
• The subscription renews automatically at the same price and length unless you cancel it at least 24 hours before the current period ends. The renewal is charged within the 24 hours before the period ends.
• Manage or cancel it in your iPhone's Settings → your name → Subscriptions. Deleting the app or your Pronoa account does not cancel it.
• If a free trial is offered, any unused part of it ends when you buy a subscription.
• Refunds are handled by Apple under its rules; you can request one at reportaproblem.apple.com.
• Bought Premium on another device, or reinstalled the app? Use Restore purchases on the Premium screen.
• If Premium ends, your data stays and the free features keep working.

8. Data & Privacy

Your use of the App is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

9. Account Deletion

You may delete your account at any time from Settings → Data management. Deleting your account permanently removes all your data from our systems within 30 days. This action cannot be undone.

10. Intellectual Property

All content, design, and technology in the App are owned by Pronoa. You retain ownership of the financial data you enter. By using the App, you grant us a limited licence to process your data solely to provide the service.

11. Limitation of Liability

To the maximum extent permitted by law, Pronoa and its creators shall not be liable for any indirect, incidental, or consequential damages arising from your use of the App, including but not limited to financial losses resulting from reliance on App-generated information.

12. Modifications

We reserve the right to modify these Terms at any time. Continued use of the App after changes constitutes acceptance of the updated Terms.

13. Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in behaviour that harms the App or other users.

14. Contact

If you have questions about these Terms, please contact us at support@pronoa.app.