The same text ships inside the app: Settings, About, Terms of use. A device set to Turkish opens a Turkish translation there; this English text governs.
These terms are an agreement between you and Monte's developer about the Monte app. The developer publishes Monte under the name Monte Labs ("we", "us"); the developer's legal name and country are shown on Monte's App Store and Google Play pages. By using Monte you accept them. They are published at https://endofhomodeus.github.io/monte/terms/ and also ship inside the app. If you got Monte from Apple's App Store, Apple's standard licence agreement for apps also applies.
Monte is educational software for exploring hypothetical financial plans on your phone. Every answer is a model of what could happen, and the decisions are yours. Your data stays on your device. Premium is sold by the App Store or Google Play; subscriptions renew until you cancel them in your store account, and a lifetime purchase is paid once.
Section 01What Monte is
Monte is an educational simulator, not financial advice.
It illustrates possible outcomes of hypothetical financial scenarios you define. All outputs are computer-generated from your inputs and statistical models; they are not predictions, recommendations, or guarantees.
We do not know your circumstances, do not select investments for you, and are not a financial adviser, broker, planner, or fiduciary in any jurisdiction. For decisions involving real money, please consult a licensed professional.
Section 02Your licence to use Monte
- We give you a personal, non-exclusive, non-transferable licence to install and use Monte on devices you own or control, under the usage rules of the store you got it from.
- You may not copy, resell or redistribute the app, or reverse engineer it except where the law allows you to.
- You may not use Monte to break the law or to harm anyone.
Section 03Your data
Everything you enter stays on your device, as the privacy policy describes. We cannot see, recover or restore your data. Keeping backups (Settings, Your data, Back up my plans) is up to you.
Section 04Premium and payment
- Every free answer stays free. Premium adds features, described in the app before you buy.
- Premium is offered as a monthly subscription, a yearly subscription, or a one-time lifetime purchase. The price, the length of each period and what is included are shown in the app and by the store before you confirm.
- Payment is charged to your App Store or Google Play account when you confirm the purchase.
- A subscription renews automatically at the end of each period, at the price then in effect, unless you cancel it at least 24 hours before the period ends. The store charges the renewal within the 24 hours before the period ends.
- You can turn off automatic renewal or cancel at any time in your store account: on iPhone and iPad in Settings, your name, Subscriptions; on Android in Google Play, Payments and subscriptions, Subscriptions. Premium then stays on until the end of the period you paid for.
- The lifetime purchase is paid once, never renews, and keeps Premium on for as long as Monte is offered for your device.
- If a subscription price changes, the store tells you before it applies and, where the rules require, asks for your agreement.
- Refunds are handled by the store under its own policies; we cannot issue them directly. Nothing here reduces the rights consumer law gives you.
- To move Premium to a new device, use Settings, Restore purchases, signed in to the same store account.
Section 05Changes to Monte
We improve Monte over time and may add, change or remove features. If we remove a Premium feature you paid for, we will offer something of equal value or the remedies the law gives you.
Section 06No warranty
Monte is provided as it is and as available. To the extent the law allows, we make no promise that it is error-free, that it will always be available, or that its answers fit your situation.
Section 07Limits on our liability
To the extent the law allows, we are not liable for decisions you make with Monte, or for indirect or consequential losses. Our total liability to you is limited to the amount you paid for Monte in the 12 months before the claim. Nothing in these terms limits liability that the law does not allow to be limited.
Section 08Ending these terms
You can stop using Monte at any time by deleting it. We may end your licence if you break these terms. Sections 1, 6 and 7 continue after the licence ends.
Section 09Governing law
These terms are governed by the law of the country where we live or are established, as shown on those store pages. This never takes away the protection of the mandatory consumer laws of the country where you live, or your right to bring a claim there.
Section 10Language
Monte shows these terms, its privacy policy and its notice in your language where a translation exists. Translations are for your convenience; where a translation and the English text differ, the English text governs.
Section 11Changes to these terms
If we change these terms in a way that matters to you, the new version gets a new effective date and the app shows it to you before it applies.
Section 12Contact
Write to hello@sableloft.com for support, privacy questions and anything else about these terms.