Terms of use

Last updated: 5 November 2026

These terms are an agreement between you and Monurus Digital Solution (202603285369), the business behind Monurus ("we", "us"). By creating an account or using Monurus, you agree to them. Please also read our privacy notice, which explains how we handle your data.

These terms are available in English and Bahasa Melayu. If the two versions differ, the English version applies.

1. What Monurus is

Monurus helps you organise your own money. You import statements from your bank, card or e-wallet, and Monurus reads them, sorts your transactions into categories, and shows reports, budgets and answers to your questions.

• Monurus is not a bank, does not hold your money, and never connects to your bank account.
• Monurus is not financial advice. We are not licensed financial advisers, and nothing in the app is a recommendation to buy, sell or borrow.
• Categories, totals and answers are produced automatically, partly by AI, and can be wrong. Check anything important against your bank statements.

2. Who can use it

You must be at least 18 years old. Each account is for one person.

3. Your account and recovery code

• Keep your password and your recovery code safe, and don't share them. You're responsible for what happens in your account.
• Your data is encrypted with a key that only your password or recovery code can unlock. If you lose both, we cannot recover your data. You can then start again with an empty account.
• Tell us straight away at helpdesk@monurus.my if you think someone else has got into your account.

4. Your data

• Your statements and data are yours. You allow us to store and process them only to provide Monurus to you, as described in the privacy notice, including sending the parts each AI feature needs to our AI provider.
• Only import statements you are entitled to use: your own, or someone else's with their permission.
• You can export your data at any time, on any plan, and delete your account whenever you want.

5. Fair use

Don't use Monurus to break the law, upload harmful files, try to get into other people's accounts or data, test or get around our security or limits, copy the service automatically, or resell it without our written agreement. Plans include fair-use limits so the service stays fast and affordable for everyone.

6. Early access

During early access, Monurus is still being built. Features may change, and the service may sometimes be unavailable. Anything we offer free during early access is free only for the period we say.

7. Plans and payment

• Free trial: no time limit, with the limits shown in the app (currently 3 imported statements and up to 3 bank accounts). After that, your account becomes read-only: you can still view, change and export everything.
• Pro: paid monthly or yearly, at the price shown when you subscribe, in Malaysian ringgit, with the limits shown in the app (currently 10 imported statements a month and up to 10 bank accounts). Paid by card, it renews automatically until you cancel. A yearly plan paid with FPX online banking can't renew by itself: we email you before it ends, with a link to pay for the next year.
• Family: paid by the person who sets it up, monthly or yearly, at the price shown when you subscribe, for a household of up to 4 people. Everyone in it gets Pro's limits on their own account, and shares the household. The person who pays invites and removes people; anyone can leave. When the plan ends, the household stays, and everyone goes back to their own plan. The household belongs to the person who pays: if they delete it, or their account, it's deleted for everyone in it, with everything in it, 24 hours later. Everyone in it is emailed first so they can download a copy, and the person who pays can cancel until then.
• A payment that doesn't go through: Pro stays on for 7 days while we try again and you can pay another way. If it isn't paid by then, your account becomes read-only.
• Offers: when we run an offer, its lower price applies for the time it says (for example your first 3 months or your first year) if you subscribe before it ends, once a person. After that, the normal price applies.
• Refer a friend: when a friend signs up with your link and their first payment goes through, you both get a month of Pro added for free (a monthly payment moves a month later; a yearly plan runs a month longer). The one who invites gets up to 6 free months a calendar year. Free months have no cash value and aren't refunded. We may change or end refer a friend at any time (months already given stay), and take back months from accounts made to abuse it.
• Cancelling: you can cancel any time in the app, without contacting us. Pro continues until the end of the period you've paid for, then your account becomes read-only.
• Refunds: payments are not refundable, except where the law requires it or where we promised a refund when you paid.
• We'll tell you at least 30 days before a price change affects you.

8. Our responsibility

We work hard to keep Monurus accurate, secure and available, but we provide it "as is" and can't promise it will always be error-free or uninterrupted. As far as the law allows, we are not responsible for indirect losses, or for decisions you make based on what the app shows. Our total responsibility to you is limited to the amount you paid us in the 12 months before the problem, or RM 100 if you haven't paid anything. Nothing in these terms removes your rights under the Consumer Protection Act 1999 or other laws that can't be excluded.

9. Ending your use

• You can delete your account at any time in Settings.
• We may suspend or close an account that seriously or repeatedly breaks these terms. Where reasonable, we'll warn you first and let you export your data.
• If we ever close Monurus, we'll give you at least 30 days' notice so you can export your data.

10. Changes to these terms

If we make an important change, we'll email you or show it in the app at least 14 days before it takes effect. If you don't agree, you can export your data and delete your account.

11. Law

These terms are governed by the laws of Malaysia, and the courts of Malaysia decide any dispute.

12. Contact us

Monurus Digital Solution (202603285369)
Email: helpdesk@monurus.my