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Terms and Conditions

Version of 28 September 2026

These terms apply to your use of the Armoneda app (the service). By creating an account and ticking the acceptance box, we enter into a contract under the conditions below. If this English version and the Romanian version differ, the Romanian version prevails.

1. The parties

The service is provided by Rădoi Florin Gabriel, a natural person, author of the Armoneda app (the operator), with the address: Strada Popești-Vest nr. 15, et. 4, ap. 63, Popești-Leordeni, Ilfov County, postal code 077160, Romania. Contact: contact@armoneda.com.

The user is you, the person who creates an account.

2. Your account

  • Your account is personal. Keep your password safe and let us know if you suspect someone else has used it.
  • You can invite members to your household. Each member has their own account and login and accepts these terms when creating it.
  • The information in your account must be true.

3. What the service offers

Armoneda helps you keep track of your money: accounts, transactions, budgets, due payments, documents, savings, investments and debts, separately for each member and together for the household.

  • It is not financial, tax or legal advice. Figures, reports and suggestions are for information only. Decisions are yours.
  • Bank connections are made through the PSD2 bank connection provider named in the Privacy Policy. For regulatory reasons, your bank periodically asks you to reconfirm access; without reconfirmation, data from that bank stops updating.
  • Automatically imported data comes from banks and their providers. We do not guarantee that it is complete or error-free.

4. The Harmon assistant

Harmon is the app's AI assistant. You can use it only after accepting its notice:

  • Harmon is not a financial advisor. Its answers are for information only, not investment or tax recommendations.
  • Harmon can make mistakes. Check the figures before you make decisions.
  • Harmon does not change anything in the app without your explicit approval, for each action.
  • We send Anthropic or OpenAI only the data needed for the answer, without your name, email, IBANs or card numbers. The providers do not use it to train their models. Details are in the Privacy Policy.

You can turn Harmon off at any time in Settings.

5. Subscription and payment

  • Access to the service may be subscription-based. The subscription is a licence to use the Armoneda app for the paid period.
  • The price, currency and billing period are those shown in the app when you subscribe. The price shown is the final price.
  • Payments are processed by Stripe. The subscription renews automatically at the end of each period until you cancel it.
  • You can cancel your subscription at any time. Cancellation takes effect at the end of the period already paid; until then you keep access.
  • If we change the price, we will let you know before your next renewal. The new price applies only from that renewal.

6. Right of withdrawal

You have the right to withdraw from the contract within 14 days of subscribing, without giving any reason. To do so, write to contact@armoneda.com before the 14 days expire. You may use the model withdrawal form in the annex below, but you are not required to. We refund the amount paid in full, using the same payment method, within 14 days of receiving your request.

After the 14 days, you can still cancel your subscription at any time (section 5), but the amount for the current period is not refunded.

7. What you may not do

  • use the service for illegal activities;
  • try to access other users' data or bypass security measures;
  • deliberately overload the server or use it in ways that affect other users.

8. Source code and licence

Armoneda is free software, distributed under the GNU Affero General Public License, version 3 (AGPL-3.0). You have the right to receive the complete source code of the version you use. Copyright and licence details are shown in the app, on the Licences page.

9. Availability of the service

We do our best to keep the service running continuously and to keep backups of your data. There may still be interruptions for maintenance or for technical reasons beyond our control. When possible, we announce maintenance in advance.

10. Limitation of liability

To the extent permitted by law, the operator is not liable for:

  • financial decisions made based on information in the app or on Harmon's answers;
  • errors or delays in data received from banks and their providers;
  • indirect losses, such as lost profits.

These limitations do not apply in cases of intent or gross negligence and do not restrict the rights the law gives you as a consumer.

11. Closing your account

  • You can delete your account at any time from Settings. The account is deactivated immediately and the data is permanently deleted after 30 days; until then you can reactivate it.
  • We may suspend or close an account that seriously breaches these terms, after notifying you, except in urgent security situations.

12. Takeover of the service

The service may be taken over by a legal entity set up by the operator (a sole proprietorship or a company). We will let you know in advance, and the new entity takes over the rights and obligations under this contract, including your subscription, on the same conditions. We will ask you to accept the updated version of the terms.

13. Changes to these terms

Each version of these terms is dated. When we change them, we show you the new version at your next sign-in and ask you to accept it before you continue. If you do not accept it, you can close your account; for a paid subscription we refund the unused part of the paid period, in proportion to the remaining days.

14. Governing law and disputes

This contract is governed by Romanian law. We first try to resolve any disagreement amicably, at contact@armoneda.com. As a consumer, you can also contact the Romanian National Authority for Consumer Protection (ANPC) or the courts competent under the law. This does not deprive you of the protection given by the mandatory consumer laws of the country where you live.

15. Contact

contact@armoneda.com — general questions
privacy@armoneda.com — personal data

Annex — Model withdrawal form

(complete and return this form only if you wish to withdraw from the contract)

  • To: Rădoi Florin Gabriel, Strada Popești-Vest nr. 15, et. 4, ap. 63, Popești-Leordeni, Ilfov County, postal code 077160, Romania, contact@armoneda.com
  • I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the following service: Armoneda subscription
  • Ordered on:
  • Name of consumer(s):
  • Address of consumer(s):
  • Signature of consumer(s) (only if this form is notified on paper):
  • Date:

(*) Delete as appropriate.