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Terms of Service

Last updated: April 10, 2026

1. Acceptance of Terms

By accessing or using Money Manager (hereinafter, "the Service"), operated by Tello Tech (hereinafter, "the Company"), based in Guatemala, you accept these Terms of Service in their entirety. If you do not agree with any part of these terms, you should not use the Service.

2. Description of Service

Money Manager is a personal finance web application that allows users to record transactions, create budgets, set savings goals, manage debts, generate financial reports, and consult an artificial intelligence assistant (Auri). The Service is available as a progressive web application (PWA) installable on mobile and desktop devices.

3. User Accounts

To use the Service you must create an account providing truthful and up-to-date information. You are responsible for:

  • Maintaining the confidentiality of your password and access credentials.
  • All activity that occurs under your account.
  • Notifying us immediately of any unauthorized use of your account.

We reserve the right to suspend or delete accounts that violate these terms.

4. Plans and Payments

Money Manager offers the following plans:

  • Free: Access to essential features for a 30-day trial period (does not include AI assistant).
  • Standard: Essential financial management features without AI assistant.
  • Pro: All features including the AI assistant (Auri), financial projections, and smart insights.

Specific prices and conditions for each plan will be communicated on the Service pricing page. The Company reserves the right to modify prices with 30 days prior notice.

5. Cancellation

You may cancel your subscription at any time from your account settings. Upon cancellation, you will retain access to the Service until the end of the current billing period. No refunds are issued for partial periods.

6. Acceptable Use

By using the Service, you agree not to:

  • Use the Service for illegal or fraudulent activities.
  • Attempt to access other users' accounts.
  • Interfere with the operation of the Service or its servers.
  • Reverse engineer, decompile, or disassemble the Service.
  • Use the Service to send spam or malicious content.

7. AI Assistant (Auri)

Auri is a financial assistant powered by artificial intelligence that provides analysis and recommendations based on the financial data you enter. It is important to understand that:

  • Auri is not a certified financial advisor and does not replace professional advice.
  • Auri's recommendations are for guidance only and do not constitute financial, legal, or tax advice.
  • The Company is not responsible for financial decisions made based on Auri's suggestions.
  • Auri uses third-party artificial intelligence models and may generate inaccurate responses.

8. Intellectual Property

The Service, including its design, code, logos, text, and features, is the property of Tello Tech and is protected by the intellectual property laws of Guatemala and international treaties. No rights to the Service's intellectual property are granted to you beyond the limited license to use it.

9. Limitation of Liability

The Service is provided "as is" and "as available." The Company does not guarantee that the Service will be uninterrupted, error-free, or completely secure. To the maximum extent permitted by law:

  • The Company shall not be liable for financial losses resulting from the use of the Service.
  • The Company shall not be liable for data loss due to technical failures.
  • The Company's total liability shall not exceed the amount paid by the user in the last 12 months.

10. Availability and Offline Functionality

Money Manager is a progressive web application (PWA) with limited offline support. Data accessed while offline may not be completely up to date. Synchronization occurs automatically when the connection is restored. The Company does not guarantee the availability of all features in offline mode.

11. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Significant changes will be notified through the email address registered in your account or through a notice within the Service. Continued use of the Service after notification constitutes acceptance of the modified terms.

12. Governing Law and Jurisdiction

These terms are governed by the laws of the Republic of Guatemala. Any dispute related to these terms shall be submitted to the jurisdiction of the competent courts of Guatemala City.

13. Contact

If you have questions about these Terms of Service, you can contact us at: hola@mmanager.app