Legal
Terms of Service
Last updated 14 July 2026
In one line. Nomoo is a tool for keeping track of your own money. It is not a bank, it cannot move money, and it does not give financial advice. Use it honestly, and it is yours to use.
These terms are the agreement between you and Nomoo ("we", "us") for the Nomoo mobile app, web app and this site (together, the "Service"). By creating an account or using the Service, you agree to them. If you do not, do not use the Service.
1. Your account
- You must be at least 13 years old to use Nomoo.
- You are responsible for what happens under your account, and for keeping your password safe.
- If you sign up as a guest, your account is protected by a username and a one-time recovery code that we show you exactly once and store only as a hash. If you lose that code, we cannot recover your account. Nobody at Nomoo can read it back for you. Convert to a full account with an email and password if that matters to you.
- One person, one account. Do not impersonate anyone.
2. Your data is yours
The money data you put into Nomoo belongs to you. We claim no ownership of it. We store and process it only to run the Service for you, as described in the Privacy Policy. You can export it (CSV, on Pro) and you can delete it — see Delete your account.
3. Nomoo is not financial advice
Nomoo — including Nemo, the AI assistant — records and summarizes what you tell it. It does not give financial, investment, tax or legal advice, and nothing it produces should be treated as such. Decisions about your money are yours.
Nemo is a language model. It can misread a statement, mis-categorize a transaction, or state something confidently and be wrong. Check what it records before you rely on it. The same goes for the statement importer: it shows you what it extracted so you can review it, and it is your review that matters. We are not liable for a decision you took on the basis of an incorrect figure.
Nomoo is not a bank, a payment service, a lender, or a money transmitter. It holds no money and cannot move any. Balances shown in the app are a record of what you entered — they are not an authoritative statement from any financial institution.
4. Acceptable use
Do not:
- use the Service for anything illegal, including money laundering or recording the proceeds of crime;
- upload other people's financial documents without their permission;
- try to break, overload, probe or reverse-engineer the Service, or access another user's data;
- abuse the AI assistant to generate harmful, hateful or illegal content — attempts are refused, and repeated attempts will lose you access;
- resell the Service, or use it to build a competing product;
- automate access in a way that degrades the Service for other people.
We may suspend or terminate an account that breaks these rules, and we will tell you why unless we are legally prevented from doing so.
5. Shared households
If you create or join a shared household, everything recorded in that workspace is visible to every member of it. Invite only people you trust with that information. The owner of a household can remove members and delete the household; if an owner deletes their Nomoo account, ownership passes to the member who has been in the household longest, so the rest of you keep your data.
6. Plans and payment
Nomoo has a free tier that is genuinely usable, and a paid Pro tier that lifts its limits.
- Prices are shown in the app before you pay, in your local currency.
- Where a purchase is made through the Apple App Store or Google Play, that store processes the payment and its own terms and refund rules apply. We do not see your card.
- A subscription renews for the term you bought until you cancel it. Cancel any time — you keep Pro until the end of the paid term, and are not charged again.
- If we ever raise the price of an existing subscription, we will tell you first, and you can cancel.
- Deleting your account does not automatically cancel a store subscription. Cancel it in the App Store or Play Store as well.
7. Availability
We try to keep Nomoo up and working. We do not promise it will never be down, never lose a request, or never have a bug. The Service is provided "as is", without warranties of any kind, to the extent the law allows.
Keep your own records. Nomoo is a convenience, not a system of record for your finances — your bank's statements are.
8. Liability
To the fullest extent permitted by law, we are not liable for indirect or consequential loss, lost profits, or lost data arising from your use of the Service. Where liability cannot be excluded, it is limited to the amount you paid us in the twelve months before the claim (which, on the free tier, is nothing).
Nothing here limits liability for fraud, or for anything else that cannot lawfully be limited.
9. Ending it
You can stop using Nomoo and delete your account at any time, from inside the app or via this page. We can suspend or close an account that breaches these terms, or if we shut the Service down — in which case we will give you reasonable notice and a chance to export your data.
10. Changes
We may update these terms. If a change is material, we will tell you in the app before it takes effect. Continuing to use Nomoo after that means you accept the new terms.
11. Governing law
These terms are governed by the laws of the Republic of Indonesia, and disputes belong to the courts of Indonesia — without prejudice to any mandatory consumer-protection rights you hold where you live.