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EULA

This EULA (“Agreement”) is a legal agreement between you (“User” or “You”) and DelTeQ Web Services (Pty) Ltd (“Developer”, “We”, or “Us”) for the use of the MoneyCubbi mobile application (“App”).

MoneyCubbi: End User Licence Agreement

Effective Date: 26 March 2026
This End User License Agreement (“EULA”) is a legal agreement between you and [Legal Name of Developer / Company] (“MoneyCubbi”, “we”, “us”, or “our”) for your use of the MoneyCubbi mobile application, including any updates, content, features, documentation, and related services we make available with it (collectively, the “Application”).
By downloading, installing, accessing, or using the Application, you agree to this EULA. If you do not agree, do not download, install, access, or use the Application.
If you obtained the Application through the Apple App Store, you acknowledge that this EULA is between you and MoneyCubbi, and not with Apple. MoneyCubbi, and not Apple, is solely responsible for the Application and its content, except as otherwise required by applicable law.
1. License Grant
Subject to your compliance with this EULA, MoneyCubbi grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Application on Apple-branded devices that you own or control, and as otherwise permitted by the Apple Media Services Terms and Conditions.
This license is granted for your personal, non-commercial use only.
2. Scope of License
You may use the Application only as permitted by this EULA and applicable law.
You may not:
  • copy, reproduce, distribute, republish, display, or otherwise exploit the Application except as expressly permitted
  • modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works from the Application, except where prohibited restrictions are unenforceable under applicable law;
  • sell, resell, rent, lease, lend, sublicense, assign, or otherwise transfer the Application or any rights granted under this EULA;
  • remove, alter, or obscure any proprietary notices or labels;
  • use the Application in a way that could damage, disable, overburden, interfere with, or impair the Application or related systems;
  • use the Application for unlawful, fraudulent, deceptive, harmful, or abusive purposes; or
  • use the Application to infringe the rights of MoneyCubbi or any third party.
All rights not expressly granted to you are reserved by MoneyCubbi and its licensors.
3. The Application and Its Purpose
MoneyCubbi is a personal finance organization and record-keeping tool. The Application may allow you to:
– track accounts, balances, budgets, transactions, bills, debts, savings goals, store credit, income, and recurring expenses;
– upload receipt images or related images;
– receive reminders and notifications you choose to enable;
– use sign-in methods such as email/password, Sign in with Apple, or Google Sign-In; and
– use optional device capabilities such as Face ID, location access, photo library access, speech recognition, and related features.
The Application is not a bank, payment service, lender, broker, or financial institution.
4. No Professional Advice
The Application is provided for personal organization, informational, and record-keeping purposes only.
The Application does not provide financial, investment, tax, legal, accounting, insurance, debt counseling, or other professional advice. Any calculations, summaries, analytics, alerts, reminders, projections, or insights generated by the Application are informational only and may be incomplete, inaccurate, or unavailable.
You are solely responsible for:
  • verifying all financial information entered into or displayed by the Application;
  • maintaining your own official records;
  • making your own financial decisions; and
  • seeking qualified professional advice where needed.
5. User Accounts
Some features of the Application require an account. You agree to provide accurate information and to keep your credentials secure.
You are responsible for all activity under your account and for maintaining the security of your device, authentication credentials, and any biometric or passcode protections you enable.
You must notify us promptly if you believe your account or device has been compromised.
6. User Data and Content
The Application may allow you to submit, upload, store, or process data and content, including financial information, transaction records, notes, receipt images, savings goal images, payee names, account details, tags, categories, and similar materials (“User Data”).
You retain ownership of your User Data. Subject to your rights under applicable law, you grant MoneyCubbi a limited, non-exclusive, worldwide, royalty-free license to host, copy, process, transmit, display, and store your User Data only as necessary to operate, secure, support, back up, and improve the Application.
You represent and warrant that:
  • you have all rights necessary to provide the User Data;
  • the User Data does not violate any law or third-party rights; and
  • the User Data is not unlawful, fraudulent, defamatory, infringing, or harmful.
You are solely responsible for the accuracy, legality, and content of your User Data.
7. Privacy and Data Handling
Your use of the Application is also subject to the MoneyCubbi Privacy Policy.
[Insert Privacy Policy URL or location]
The Privacy Policy explains how personal information and User Data may be collected, used, stored, shared, retained, and deleted. By using the Application, you acknowledge that your information may be processed in accordance with that Privacy Policy.
8. Optional Permissions and Security Features
The Application may request access to features or permissions on your device, including:
  • notifications for reminders and alerts;
  • location services to help identify or tag transaction locations;
  • photo library or camera access for receipt or image uploads;
  • speech recognition for voice search; and
  • Face ID or device authentication to help protect access to the Application.
You may deny or revoke these permissions, but some features may not work correctly or at all.
Although MoneyCubbi may offer security-related features, no Application or storage system can be guaranteed to be completely secure. You remain responsible for maintaining appropriate safeguards for your device and account.
9. Third-Party Services
The Application may use or rely on third-party services, SDKs, hosting providers, analytics providers, identity providers, and platform services, including services such as Apple, Google, Firebase, TelemetryDeck, mapping/location services, and similar providers.
Those third-party services may be governed by their own terms, privacy notices, and practices. MoneyCubbi is not responsible for third-party services, including their availability, performance, content, or independent data practices.
10. Updates and Changes
MoneyCubbi may from time to time develop patches, bug fixes, updates, upgrades, or other modifications to improve the performance of the Application (“Updates”).
We may provide Updates automatically or require you to download them manually. You agree that we may modify, suspend, or discontinue any part of the Application or its features at any time, with or without notice.
If you do not install Updates, the Application or some of its features may not function properly.
11. Restrictions on Reliance, Availability, and Backups
You acknowledge that:
  • the Application may experience downtime, interruptions, or bugs;
  • reminders, notifications, sync operations, or image uploads may fail or be delayed;
  • information displayed in the Application depends on what you enter or upload;
  • data may become unavailable, corrupted, duplicated, delayed, or lost; and
  • you are responsible for maintaining any backups or alternative records you require.
The Application should not be relied upon as your sole source of truth for payments, debts, account balances, budgeting, or financial compliance.
12. Ownership
The Application, including its software, visual design, structure, features, branding, trademarks, logos, interfaces, and all related intellectual property rights, is owned by or licensed to MoneyCubbi and is protected by applicable intellectual property and other laws.
Except for the limited license granted under this EULA, no right, title, or interest in or to the Application is transferred to you.
13. Term and Termination
This EULA is effective until terminated.
Your rights under this EULA will terminate automatically if you fail to comply with any provision of this EULA.
MoneyCubbi may suspend or terminate your access to the Application at any time if:
  • you violate this EULA;
  • we believe your use poses a legal, technical, security, or reputational risk;
  • we suspect misuse, abuse, fraud, or unlawful activity; or
  • we discontinue the Application.
Upon termination, you must stop using the Application and delete all copies in your possession or control, except to the extent continued possession is required by law or platform rules.
14. Disclaimer of Warranties
To the maximum extent permitted by applicable law, the Application is provided “as is” and “as available,” with all faults and without warranty of any kind.
MoneyCubbi disclaims all warranties and conditions, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, quiet enjoyment, title, and non-infringement.
Without limiting the above, MoneyCubbi does not warrant that the Application will:
  • meet your requirements;
  • be uninterrupted, secure, or error-free;
  • be accurate, complete, or reliable;
  • be compatible with your device or operating system; or
  • be free from loss, corruption, delay, or unauthorized access to data.
Some jurisdictions do not allow limitations on implied warranties, so some of these disclaimers may not apply to you.
15. Limitation of Liability
To the maximum extent permitted by applicable law, MoneyCubbi and its affiliates, licensors, service providers, contractors, officers, employees, and representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, savings, goodwill, data, or business opportunities, arising out of or related to the use of or inability to use the Application.
This includes claims arising from:
  • inaccurate financial information or summaries;
  • missed reminders, deadlines, or notifications;
  • loss, corruption, or unavailability of User Data;
  • unauthorized access to accounts or data;
  • failures of third-party services; and
  • device, network, system, or software failures.
To the maximum extent permitted by law, MoneyCubbi’s total aggregate liability for all claims relating to the Application or this EULA will not exceed the greater of:
  • the amount you paid, if any, for the Application in the 12 months before the claim arose; or
  • USD $50.
Nothing in this EULA excludes or limits liability that cannot be excluded or limited under applicable law.
16. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless MoneyCubbi and its affiliates, licensors, service providers, contractors, officers, employees, and representatives from and against any claims, liabilities, losses, damages, judgments, costs, and expenses, including reasonable attorneys’ fees, arising from or related to:
  • your use or misuse of the Application;
  • your User Data;
  • your breach of this EULA; or
  • your violation of applicable law or third-party rights.
17. Apple-Specific Provisions
If you obtained the Application through the Apple App Store, the following terms also apply:
  • this EULA is concluded between you and MoneyCubbi, and not with Apple;
  • Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the Application;
  • in the event of any failure of the Application to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price for the Application to you, if any; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Application;
  • Apple is not responsible for addressing any claims by you or any third party relating to the Application or your possession or use of the Application, including product liability claims, claims that the Application fails to conform to legal or regulatory requirements, and claims arising under consumer protection, privacy, or similar legislation;
  • in the event of any third-party claim that the Application or your possession and use of the Application infringes that third party’s intellectual property rights, MoneyCubbi, and not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of such claim, to the extent required by this EULA and applicable law; and
  • Apple and Apple’s subsidiaries are third-party beneficiaries of this EULA and, upon your acceptance of this EULA, Apple will have the right to enforce this EULA against you as a third-party beneficiary.
You also represent and warrant that:
  • you are not located in a country that is subject to a U.S. Government embargo, or designated by the U.S. Government as a “terrorist supporting” country; and
  • you are not listed on any U.S. Government list of prohibited or restricted parties.
18. Export Compliance
You may not use, export, or re-export the Application except as authorized by United States law, the laws of the jurisdiction in which you obtained the Application, and any other applicable laws.
19. Governing Law
This EULA is governed by the laws of [Insert jurisdiction], excluding its conflict of law rules.
Any dispute arising out of or relating to this EULA or the Application will be subject to the exclusive jurisdiction of the courts located in [Insert venue], unless applicable law requires otherwise.
If you prefer, this section can be replaced with a lawyer-reviewed arbitration clause.
20. Contact Information
If you have questions, support requests, or legal notices regarding this EULA or the Application, contact:
DelTeQ Web Services (Pty) Ltd
apps@delteqis.com
1a Pagoda Street, Salisbury Park, Gqeberha, South Africa, 6070
www.moneycubbi.com
## 21. Entire Agreement and Severability
This EULA, together with the Privacy Policy and any additional terms properly presented to you within the Application, constitutes the entire agreement between you and MoneyCubbi regarding the Application.
If any provision of this EULA is held invalid or unenforceable, the remaining provisions will remain in full force and effect.