Terms and Conditions

Monestia – Financial and Investment Management App
Version: 1.0 - Effective from 05.10.2025

These Terms and Conditions are governed by Swiss law.
Any dispute shall be subject to the exclusive jurisdiction of the courts of the canton where Monestia is headquartered, subject to any other mandatory venue provided by law.

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I. Terms of Use (ToU)

1. Purpose

These Terms of Use (ToU) define the terms of access and use of the Monestia application, published by Monestia SA, a company under Swiss law, hereinafter "Monestia" or "the Publisher".

Monestia is an application available on the web, iOS and Android, which allows users to:

• Manage and track their budget, income and expenses (Module 1 – Manager)
• Track their real estate purchases, sales and investments, in addition to Module 1 (Module 2 – Investor)
• Track their stock market and cryptocurrency investments, in addition to Module 2 (Module 3 – Master)

2. Acceptance

Use of the application implies full acceptance of these ToU by the user. Any registration, login or use of the service constitutes acknowledgment of reading and accepting these conditions.

3. Access to the service

Monestia strives to maintain 24/7 availability, subject to:

• maintenance operations or updates,
• technical failures,
• network or server outages,
• or force majeure (e.g. cyberattack, power failure, supplier failure, natural disaster).

The user acknowledges that Monestia is not subject to any obligation of result regarding availability, but acts in best effort to restore the service as quickly as possible.

4. Account creation and security

The user must create a personal account to access the chosen modules. They commit to:

• keep their credentials and passwords strictly confidential;
• not share them with third parties.

Monestia disclaims all responsibility in case of unauthorized access resulting from user negligence (access sharing, weak password, phone loss, etc.).

The user is not required to provide real data that is not necessary for the operation of the modules.

Under no circumstances should they transmit bank access codes, financial institution identifiers or other personal passwords.

5. General operation

The application offers:

• visualizations, indicators and automatic estimates, generated by internal algorithms and artificial intelligence;
• information and projections for informational purposes, not to be considered as financial, tax or legal advice.

Monestia does not provide any investment advisory service within the meaning of the Financial Services Act (FinSA). The user remains solely responsible for their investment or management decisions.

6. Liability

Monestia makes every effort to provide reliable information, but:

• does not guarantee the accuracy, completeness or timeliness of the data presented;
• assumes no responsibility for any loss, damage or decision based on data or suggestions generated by the platform.

The use of optimization, comparison or simulation features is at the sole discretion of the user.

Monestia, its directors and employees are exempt from all liability within the limits provided by Swiss law, particularly articles 100 and 101 CO.

7. Confidentiality and data protection

The management of personal data is governed by the Privacy Policy in force. The user acknowledges having read and accepted it before any use.

8. Intellectual property

All elements of the application (code, design, texts, algorithms, trademarks) are the exclusive property of Monestia SA. Any reproduction, distribution or unauthorized use is prohibited without prior written agreement.

9. Duration and termination

The user can delete their account at any time, subject to the financial conditions described in the General Terms and Conditions of Sale (GTC).

Monestia reserves the right to suspend or terminate any account in case of non-compliance with these conditions, abuse, fraudulent use or illegal activity.

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II. General Terms and Conditions of Sale (GTC)

1. Purpose

These GTC define the conditions of subscription, billing and renewal of paid subscriptions to the Monestia application. All prices expressed below are VAT included.

2. Subscription offers

Three formulas are offered:

Subscription	Included modules	Monthly price	Commitment
Manager	Manage and track budget, income and expenses	5 CHF / month	No commitment
Investor	Track real estate purchases, sales and investments, in addition to Module 1	8 CHF / month	No commitment
Master	Track stock market and cryptocurrency investments, in addition to Module 2	12 CHF / month	No commitment

3. Commitments and discounts

Monthly formula:

• Automatic monthly renewal
• Cancellable at any time before the next due date

12-month commitment (prepayment):

• 1 month free (11 months billed)
• No right to early termination during the period
• At the end, automatic monthly renewal with possibility to re-commit for 12 or 36 months

36-month commitment (prepayment):

• 10% discount on the total price
• No right to early termination during the period
• At the end, automatic monthly renewal with possibility to re-commit for 12 or 36 months

4. Payment terms

Payments are made:

• via credit card, App Store, Google Play or any other approved provider;
• in Swiss Francs (CHF) only.

All payments are final and non-refundable.

5. Cancellation

• Monthly subscriptions can be cancelled at any time before the renewal date.
• Subscriptions with 12 or 36-month commitment cannot be cancelled before the end of the initial period.
• At the expiration of the commitment, monthly renewal can be interrupted at any time.

6. Changes to prices and services

Monestia reserves the right to modify its prices, offers or conditions at any time. Any price change will be communicated at least 30 days in advance and will only apply from the next renewal.

7. Liability

Monestia cannot be held responsible for:

• temporary unavailability of the application,
• errors, data loss or service interruptions,
• any financial decision made based on information displayed on the platform.

In all cases, Monestia's liability is limited to the total amount paid by the user over the last 12 months. Any other liability is excluded within the limits provided by Swiss law.

8. Confidentiality and security

Aspects relating to confidentiality, protection and data security are exclusively governed by the Privacy Policy in force.

The user remains solely responsible for securing their credentials, passwords and access devices.

9. Force majeure

No party may be held liable for a failure due to force majeure (Internet outage, cyberattack, war, administrative decision, natural disaster...).