Terms & Conditions
Last Updated: November 27, 2025
1. Introduction
These Terms & Conditions govern your use of the Phinmon mobile app and website.
By using the app, you agree to these terms.
Phinmon is a product of EvergreeneSoftware LTD.
2. What Phinmon Does
Phinmon allows you to:
- Connect bank accounts using Mono
- Track personal finances
- Receive AI-powered financial insights
Phinmon does not provide banking, lending, or financial advisory services.
3. Your Account
You must:
- Provide accurate information
- Be at least 18 years old
- Keep your login details secure
- Use the app for personal, lawful purposes only
4. Bank Connection via Mono
When you connect your bank account:
- The connection is powered by Mono
- Mono securely handles your banking credentials
- Phinmon only receives read-only financial data
- We cannot and do not move money on your behalf
5. Acceptable Use
You agree not to:
- Upload harmful content
- Attempt to hack, reverse-engineer, or disrupt the app
- Use the service for fraud or illegal activities
- Misrepresent your identity or account information
We may suspend or terminate accounts that violate these terms.
6. Future Payments and Transactions
Phinmon does not currently process payments.
If we later introduce payment features, separate terms will be provided.
7. Intellectual Property
All content, branding, and software belong to EvergreeneSoftware LTD.
You may not copy, modify, resell, or distribute the app.
8. AI-Generated Insights
Phinmon uses AI to analyze your financial data.
Results may not always be perfect, and you should not rely solely on them for financial decisions.
9. Service Availability
We aim for 24/7 availability but do not guarantee:
- uninterrupted access
- error-free operation
- that the platform will always be secure
We may update, improve, or remove features at any time.
10. Limitation of Liability
We are not responsible for:
- Losses caused by inaccurate financial data
- Downtime or technical issues
- Losses resulting from your misuse of the app
- Third-party service outages (e.g., Mono)
Our maximum liability is limited to the amount you have paid to use the service (currently ₦0).
11. Termination
You may stop using Phinmon at any time.
We may suspend or terminate accounts that violate our policies or pose security risks.
12. Changes to These Terms
We may update these Terms occasionally. Continued use of the app means you accept the updated Terms.