Terms

Terms of use

Last updated: 8 October 2026

TMonie (tmonie.com) is a product of Previd Digital Limited (“we”, “us”). These terms apply to TMonie Free and to TMonie Plus, Business and Business Plus subscriptions billed monthly or annually. If you create or administer a Business workspace for an organisation, you confirm that you have authority to accept these terms for that organisation.

Planning service

TMonie provides planning and decision-support tools based on the information you enter. It is not a bank, lender, broker, payment service, accountant or regulated financial adviser. Results are estimates, not a recommendation or guarantee that a decision is affordable.

Paid subscriptions and billing

Paid-plan pricing is shown in the currency associated with your selected region where supported. The recurring price, applicable taxes, billing interval and renewal date are shown before payment, and Stripe securely hosts checkout. Monthly subscriptions renew each month and annual subscriptions renew each year until cancelled. You authorise the applicable recurring charge when you confirm checkout. If a renewal payment fails, Stripe retries it and paid access continues for 14 days while you update your payment method; if the payment still cannot be collected, the subscription is cancelled.

Business workspaces and seats

A Business subscription includes the number of seats stated on the pricing page at purchase. The workspace owner administers seats, invitations and roles and is responsible for ensuring that members are authorised to access the organisation’s workspace. Owners, members, approvers and viewers receive different permissions as described in the product. An invitation does not give access until it is accepted by the intended account.

Authority, approvals and workspace records

Workspace roles support internal preparation, review and approval. An approval recorded in TMonie reflects the action taken by that user; it does not execute a payment or replace your organisation’s procurement, accounting, tax or legal controls. The organisation and its workspace owner are responsible for the accuracy and lawful use of customer, supplier, team and transaction information entered into TMonie.

Members leaving and workspace ownership

Removing a member ends that member’s workspace access but does not automatically delete records they created for the organisation. Those records remain with the Business workspace, subject to applicable law and TMonie’s retention and deletion processes. The current owner must contact support to request an ownership transfer, and TMonie may require reasonable verification of authority before completing it.

Cancellation, retained records and access

You can cancel renewal through the billing portal at any time. Unless a refund or applicable law requires earlier termination, paid access remains available through the current paid period. When Plus or Business access ends, paid features and Business workspace operations may become read-only or unavailable. Cancellation does not automatically delete personal or organisational records. Available exports, account controls and deletion or data-rights requests remain subject to the product’s privacy controls, retention requirements and applicable law.

Refunds

UK consumers may request a refund within 14 days by contacting support@tmonie.com. We will explain whether and how use of the digital service affects the refundable amount and will always honour rights required by applicable law. After that period, payments are normally non-refundable unless the law requires otherwise or the service was materially unavailable. Business customers retain any mandatory rights that apply to them.

Taxes, accounts and business records

Prices and any taxes collected on the TMonie subscription are shown at checkout. TMonie Business can organise operational records and produce internal management summaries, but it does not maintain a balanced double-entry ledger, prepare filing-ready statutory accounts, submit tax or company filings, perform an audit, or determine the accounting or tax treatment required for your circumstances. Multi-currency values are kept separate rather than converted. Tax estimates, VAT or sales tax summaries and Self Assessment figures are estimates from the records and corrections you enter, not tax returns; check them, or ask an accountant, before you file or pay. You remain responsible for complete records, classifications, adjustments, filings and professional review where the law or your circumstances require it. An accountant is not required merely to operate TMonie's management tools.

Online invoice payments

Independent and Business users can let customers pay invoices online by linking their own Stripe account. Payments are processed by Stripe under the Stripe Connected Account Agreement, which you accept with Stripe during setup, and money is paid into your Stripe account, not to TMonie. TMonie is not a party to the payment between you and your customer and does not hold, transfer or guarantee funds. Refunds, disputes, chargebacks, payouts and Stripe’s fees are managed in your Stripe account. You are responsible for the goods or services you invoice for and for using Stripe in line with its terms. TMonie marks an invoice paid when Stripe confirms the payment; always check payouts in Stripe.

Ask TMonie (AI assistant)

Ask TMonie is an optional assistant powered by a third-party AI provider (Anthropic). It explains how TMonie works and, only if you switch on "Use my records", your own figures. Its answers are generated automatically, may be incomplete or wrong, and are general information, not financial, investment, legal, tax or accounting advice. Always check figures against the pages in TMonie and get professional advice before acting. Ask TMonie is read-only: it cannot make payments, move money, approve, send or change records, and nothing it says is an instruction from TMonie. You are responsible for decisions you make and for what you type into it; do not enter passwords, card or bank details. To the extent permitted by law, TMonie is not liable for loss arising from reliance on an Ask TMonie answer. Nothing in these terms limits liability that cannot be limited by law. How your information is handled is described in the privacy notice.

Service availability and support

We aim to keep TMonie available and secure, but uninterrupted or error-free operation is not guaranteed. Unless a separate written agreement says otherwise, published availability or response-time targets are operational goals rather than contractual service levels. The Business prioritised support queue gives Business requests earlier triage than standard requests during staffed support operations; it does not guarantee a particular response or resolution time unless a separate written agreement says otherwise.

Your responsibility

Keep your account secure, use appropriate multi-factor authentication, provide accurate billing information, review assumptions and seek appropriately qualified advice when needed. Do not attempt to access another person’s or organisation’s information, bypass entitlement or role controls, upload unlawful material or disrupt the service.

Availability and changes

We may improve, replace or withdraw features. We will give reasonable notice of material subscription, price or service changes where required. Ending or changing the service does not remove your statutory rights.

Support

For service, workspace ownership, cancellation, refund or billing help, contact support@tmonie.com. Do not email passwords, payment-card details or security codes.