Terms of Service

Last updated: 6 November 2026

These terms govern your use of the MoneyShip personal finance tracking application ("the app", "MoneyShip", "we", "our"). By using MoneyShip, you agree to these terms.

MoneyShip was previously called Tally.

1. What MoneyShip Is

MoneyShip is a personal finance tracking tool that helps you manage bills, debts, and savings goals. It is not a financial adviser, bank, or regulated financial service. MoneyShip does not access your bank accounts, process payments, or move money on your behalf.

2. The Take-Home Calculator

The Take-Home Calculator provides estimates only. Tax calculations are based on publicly available UK tax rates and thresholds. They may not reflect your exact circumstances, including but not limited to: non-standard tax codes, employer benefits, salary sacrifice arrangements, or HMRC adjustments.

For accurate tax figures, consult your payslip, employer, or a qualified accountant. MoneyShip is not a substitute for professional financial advice.

3. Your Account

• An account is optional. The app works fully offline without one.
• If you create an account, you are responsible for keeping your credentials secure.
• You may delete your account and all associated cloud data at any time.

4. Your Data

• You own your data. The financial information you enter into MoneyShip belongs to you.
• We store and process your data solely to provide the app's features (tracking, sync, notifications).
• See our Privacy Policy for full details on data handling.

5. Acceptable Use

You agree not to:

• Reverse engineer, decompile, or attempt to extract the source code of the app
• Use the app for any unlawful purpose
• Attempt to access other users' data or interfere with the service
• Use automated systems to access the app in a manner that exceeds reasonable use

6. Availability and Updates

• We aim to keep MoneyShip available and reliable, but we cannot guarantee uninterrupted service.
• Cloud sync depends on network connectivity and our infrastructure provider (Supabase).
• We may update the app, add or remove features, or change these terms. Material changes will be communicated through the app.

7. Limitation of Liability

MoneyShip is provided "as is" without warranty of any kind. To the fullest extent permitted by law:

• We are not liable for financial decisions made based on information displayed in the app.
• We are not liable for data loss caused by device failure, uninstallation, or cloud service outages.
• We are not liable for any indirect, incidental, or consequential damages arising from use of the app.

We recommend maintaining your own records and not relying solely on MoneyShip for critical financial information.

8. Termination

You may stop using MoneyShip at any time by uninstalling the app. If you have an account, you may sign out and request deletion of your cloud data by contacting us.

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

9. Governing Law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Contact

Questions about these terms? Contact us at moneyshipapp@gmail.com. For help using the app, see our support page.