Terms and Conditions

1. Who we are

Moneo is an online service for sending SMS appointment reminders, renewal notices and follow-ups (the "Service"). It is provided by [Legal name], a sole proprietor, [Address], North Macedonia ("Moneo", "we", "us").

You can reach us at info@moneo.mk.

2. Our reseller: Paddle

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

When you buy a plan, you buy it from Paddle, and Paddle's buyer terms also apply to the purchase. Paddle charges your payment method, collects any VAT or sales tax, and issues your invoices.

3. Who can use Moneo

Moneo is for businesses and professionals, not for personal use. By creating an account you confirm that you are at least 18 and allowed to accept these terms for your business.

You are responsible for everyone you invite to your account and for keeping your sign-in details safe.

4. Free trial

A new account gets a free trial of 30 days with 50 SMS and every feature. No payment details are needed. When the trial ends, SMS stop until you choose a paid plan; nothing is charged automatically.

5. Plans, prices and payment

Paid plans are monthly subscriptions. Prices are shown on our Pricing page in euros and exclude VAT, which Paddle adds where it applies.

Each plan includes a number of SMS per calendar month. Beyond that, reminders and renewal notices can continue as extra SMS, up to the limit of your plan, at the extra SMS price of your plan. Extra SMS are billed with the following monthly payment.

Subscriptions are paid in advance and renew every month until you cancel. If you change plans, the change takes effect at once and the difference is charged or credited pro rata.

We may change our prices. We will tell you at least 30 days before a new price applies to your subscription, and you may cancel before then.

6. Cancellation

You can cancel at any time from Plan & usage in the app, or by writing to us. Your plan stays active until the end of the period you have paid for, and you will not be charged again.

Refunds are described in our Refund Policy.

7. Your responsibilities

You decide whom Moneo texts and what the messages say. You must have a lawful basis to send SMS to your clients, such as their consent or an existing appointment, and you must keep their phone numbers accurate.

If a client asks not to receive SMS, you must mark them as opted out in Moneo, which then stops sending to them.

You may not use Moneo to send advertising to people who have not agreed to it, or any unlawful, misleading or offensive content.

8. Your clients' data

Your business is the controller of the client data you enter in Moneo, and we process it on your behalf, only to provide the Service. Our Privacy Policy explains which data we handle and which providers help us.

9. SMS delivery

We send SMS through SMS providers and mobile networks that we do not control. We do our best to deliver every message on time, but we cannot guarantee that every SMS arrives or arrives at a given time. Moneo shows the delivery status of each SMS when the network reports it.

10. Availability and changes

We aim to keep Moneo available at all times, but there may be interruptions for maintenance or for reasons beyond our control. We may improve or change features. If a change takes away something important you pay for, we will tell you in advance.

11. Suspension and termination

We may suspend or close an account that breaks these terms, is used to send unlawful messages or spam, or remains unpaid. Where possible we will warn you first.

When an account is closed, we delete its data as described in our Privacy Policy.

12. Liability

Moneo helps you remind clients, but you remain responsible for your appointments and deadlines. To the extent the law allows, we are not liable for indirect losses such as lost profit or missed appointments, and our total liability is limited to the amount you paid for the Service in the 12 months before the claim.

Nothing in these terms limits liability that cannot be limited by law.

13. Changes to these terms

We may update these terms. We will tell you about important changes by email or in the app at least 30 days before they apply. If you keep using Moneo after that, the new terms apply.

14. Governing law

These terms are governed by the laws of the Republic of North Macedonia. Disputes go to the competent court in North Macedonia, unless mandatory law gives you another choice.

15. Contact

Questions about these terms: info@moneo.mk.