Terms of Service

1. Description of the Service

Monetol is a software tool that helps landlords organise properties, tenants, contracts, rent, bills and expenses, and helps tenants view information their landlord shares with them. It also includes Personal Finance, a tool for recording your own personal and company income and spending, setting budgets and importing bank statements you export yourself. Features, pricing tiers and functionality may change, be added or be withdrawn over time as the Service evolves.

2. Monetol Is Not a Bank or Payment Service

Monetol is a record-keeping and organisation tool only. Lucsoft is not a bank, credit institution, payment institution, electronic money institution, money transmitter, currency exchange, broker, investment firm or financial adviser, and does not provide any regulated financial or payment service. In particular:

• Lucsoft never receives, holds, transfers or controls money on behalf of users. Rent, bills, deposits and any other payments between landlords, tenants or anyone else happen entirely outside the Service, through channels chosen by those users.
• Monetol does not connect to your bank. Amounts, balances, transactions and accounts shown in the Service are simply what users enter or import, and are not verified by Lucsoft.
• The only payments Lucsoft processes are subscription fees for the Service itself, handled by our payment provider Stripe.

3. No Legal, Tax or Financial Advice

Contract templates, legal clauses, compliance warnings, tax summaries and declaration helpers, budgets, currency conversions and any AI-generated output are provided for general information and convenience only. They are not legal, tax, accounting or financial advice, may be incomplete or out of date, and may not suit your situation or jurisdiction. You are solely responsible for checking every figure and document before you rely on, sign or submit it, and should consult a qualified lawyer, tax adviser or accountant where needed. Exchange rates are indicative and may differ from the rates actually applied by banks or tax authorities.

4. Accounts and Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the Service. You must provide accurate, current and complete information, use the Service only on your own behalf (or on behalf of a company you are authorised to represent), and keep your login credentials secure. You are responsible for all activity under your account, including by anyone you invite to share your Personal Finance data. Lucsoft may ask you to confirm your identity or the legitimacy of your use of the Service, and may refuse, limit or close an account if you cannot or do not do so.

5. Landlord and Tenant Roles

The Service distinguishes between landlord and tenant accounts with different permissions. Landlords control what property information, files and billing details are shared with their tenants. Lucsoft is not a party to any lease, rental agreement or other arrangement between users, and is not responsible for its terms, legality, performance or enforcement, nor for any payment owed under it.

6. Your Content and Automated Processing

You retain ownership of the files, documents and data you upload or enter ("Your Content"). You grant Lucsoft a non-exclusive, worldwide, royalty-free licence to store, process, copy and display Your Content solely to provide, secure and improve the Service and to comply with the law. You confirm that you have every right and legal basis needed to upload Your Content, including any personal data about tenants, family members or other people, and that doing so does not break any law or anyone else's rights.

When you upload a bill or document, Monetol may use automated tools — including Google's Gemini AI and, optionally, a third-party ChatGPT-compatible service — to read it and extract details such as the vendor, amount and due date. Extracted values are shown for review before they are used, and you remain responsible for verifying them. Lucsoft is not liable for any loss or dispute arising from automated extraction that was not corrected before you confirmed it.

Lucsoft does not pre-screen Your Content but may remove, restrict or refuse any content that it reasonably believes breaches these Terms or the law.

7. Messaging Between Landlords and Tenants

Monetol provides an optional in-app messaging feature. Message content, including attachments, is encrypted at rest. This protects messages against unauthorised access to our database — it does not mean Lucsoft can never access message content: as described in our Privacy Policy, Lucsoft may review message content, including through automated tools and administrator action, to detect content that may breach these Terms or the law.

You are solely responsible for the content of any message you send. Lucsoft does not endorse and is not responsible for content sent by other users. If you receive content you believe breaches these Terms, contact us at office@lucsoft.es.

8. Prohibited Use

You must use the Service only for lawful purposes. You must not use the Service, directly or indirectly, to:

• launder money, finance terrorism, evade sanctions or export controls, or conceal, disguise or legitimise the origin, ownership or movement of money or property obtained through crime;
• commit or facilitate fraud, tax evasion, bribery, corruption, forgery, identity theft, extortion or any other criminal offence;
• create, store or share false, fictitious or misleading invoices, receipts, contracts, rent records, financial statements, tax figures or other documents, or records of transactions that did not happen;
• operate an unlicensed or illegal rental, sublet or accommodation business, or breach housing, tenancy, consumer, anti-discrimination or data protection law;
• harass, threaten, discriminate against, exploit or defraud any tenant, landlord or other person;
• upload content you have no right to share, that infringes anyone's rights, or that is sexually explicit, hateful, threatening or otherwise unlawful;
• disrupt, overload, reverse engineer, scrape or gain unauthorised access to the Service, other accounts or other users' data, or upload malware;
• resell, sublicense or provide the Service to third parties without Lucsoft's written permission.

9. Your Responsibility for Your Activities; Unlawful Conduct

You are solely and fully responsible for your own financial, rental, tax and business activities, for the lawfulness of any money or transaction you record, and for complying with every law that applies to you — including anti-money-laundering, counter-terrorist-financing, sanctions, tax and reporting obligations. The Service only stores what users enter. Lucsoft does not take part in, approve, verify or monitor the underlying transactions, and is not responsible or liable for any money laundering, fraud, tax evasion or other criminal or unlawful act committed by any user or third party using, or in connection with, the Service.

Lucsoft does not tolerate misuse of the Service. If we suspect unlawful activity, we may, without prior notice and to the extent permitted by law: suspend or close the accounts involved; preserve the related data; refuse any further use of the Service; and report the matter to, and cooperate with and disclose information to, the police, financial intelligence units, tax authorities, courts and other competent authorities. Where the law forbids it, we will not tell you that a report or request has been made.

10. Fees and Subscription Plans

Certain features require a paid subscription. Prices, limits and plan details are shown on the pricing page and at checkout, may include or be subject to applicable taxes, and may change with reasonable advance notice. Subscriptions renew automatically until cancelled. Fees already paid are non-refundable except where required by law, including where your account is suspended or closed because you breached these Terms.

11. Suspension and Termination

You may stop using the Service and close your account at any time. Lucsoft may suspend access to the Service — in whole or limited to specific features — or terminate your account, with or without notice, if you breach these Terms, if we reasonably suspect fraud or other unlawful activity, if required by law or an authority, or if continuing to provide the Service to you would expose Lucsoft or other users to legal, security or reputational risk. Suspensions may be temporary or indefinite. On termination your right to use the Service ends, and your data is handled as described in our Privacy Policy, including any data we must keep to meet legal obligations.

12. Disclaimer of Warranties

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability and non-infringement. Lucsoft does not guarantee that the Service, its calculations (including rent splits, balances, budgets, currency conversions and tax figures), its templates or its automated features will be accurate, complete, error-free, secure or uninterrupted, or that data will never be lost. You are responsible for keeping your own copies of important records.

13. Limitation of Liability

To the maximum extent permitted by law:

• Lucsoft, its owners, employees and contractors will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, rent, data, goodwill or business opportunity, arising out of or in connection with the Service or these Terms;
• Lucsoft will not be liable for the acts, omissions, content, payments, disputes or unlawful conduct of any user or third party, for decisions you make based on the Service, for fines or penalties imposed on you, or for the failure of third-party services (such as hosting, email, AI or payment providers);
• Lucsoft's total liability for all claims relating to the Service is limited to the greater of (a) the fees you paid to Lucsoft for the Service in the 12 months before the event giving rise to the claim and (b) one hundred euros (€100).

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, such as liability for fraud, wilful misconduct or gross negligence, or for death or personal injury caused by negligence, nor does it affect statutory rights you have as a consumer.

14. Indemnification

To the extent permitted by law, you agree to defend, indemnify and hold harmless Lucsoft and its owners, employees and contractors from and against any claims, liabilities, damages, losses, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or related to: your use or misuse of the Service; Your Content; your breach of these Terms or of any law; any unlawful activity carried out through your account; or any dispute between you and another user or third party.

15. Third-Party Services

The Service relies on third-party providers (listed in our Privacy Policy) and may link to third-party websites. Lucsoft is not responsible for third-party services, content or terms, and your use of them may be subject to their own terms.

16. Intellectual Property

The Service — including its software, design, text, templates, logos and the Monetol name — is owned by Lucsoft or its licensors and protected by intellectual property laws. These Terms give you a limited, personal, non-exclusive, non-transferable and revocable right to use the Service; no other rights are granted. If you send us feedback or suggestions, we may use them freely without obligation to you.

17. Events Beyond Our Control

Lucsoft is not liable for any delay or failure to perform caused by events beyond its reasonable control, including outages of hosting, network or third-party providers, cyberattacks, natural disasters, epidemics, strikes, war or acts of government.

18. Governing Law and Jurisdiction

These Terms are governed by the laws of Spain, without regard to conflict-of-law rules. Disputes will be submitted to the courts of Spain. If you are a consumer, you also keep the protection of the mandatory laws of your country of residence and may bring proceedings in the courts where you live.

19. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through the Service or by email before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms; if you do not agree, you must stop using the Service and may close your account.

20. General

If any provision of these Terms is found invalid or unenforceable, it will be limited to the minimum extent necessary and the rest will remain in full effect. Our failure to enforce a provision is not a waiver of it. You may not transfer your rights under these Terms without our consent; Lucsoft may transfer them, for example as part of a reorganisation or sale of the business. These Terms, together with the Privacy Policy, are the entire agreement between you and Lucsoft about the Service. If a translation of these Terms conflicts with this English version, the English version prevails to the extent permitted by law.

21. Contact

The Service is provided by Lucsoft SL, NIF B10948149, Urbanización Paraíso de la Bahía, Bloque 1, H, 29690 Casares Costa, Málaga, España. Email: office@lucsoft.es. Website: lucsoft.es.

Questions about these Terms, and reports of misuse of the Service, can be sent to office@lucsoft.es.