1. The service
Paymoria is a software tool that helps you organize and track personal financial records, including assets, debts, income, expenses, budgets, payment plans and goals. Paymoria is not a bank, payment institution, investment firm, broker, insurer, lender, accountant or legal adviser.
1.1. No financial advice
Calculations, financial indicators, charts, forecasts, interest and cost estimates, budget results, rental information and market data in the app are provided for information and personal planning only. They do not constitute investment, credit, tax, legal, accounting or other professional advice. Check important financial decisions against your bank's information, the relevant institution or contract, or a qualified professional.
1.2. Income and tax planning
Income and Tax Plan is optional and can be shown in Settings. The recorded-taxes section shows tax liabilities you have entered, filtered by the selected due-date range. These are not liabilities verified by, or automatically obtained from, a tax authority. Records without a due date are identified separately and excluded from the date filter.
The estimate is a scenario based on the selected date range, income types, income records and rates you enter. Expected income is included only if you choose to include it; its receipt is not guaranteed. You specify whether an amount is a fee excluding VAT, a VAT-inclusive amount before deductions, or cash received after deductions. This choice must match the records.
In this scenario, the income-tax reserve applies your chosen rate to income excluding VAT, before expenses are deducted. Entered withholding and relevant credits reduce that reserve. VAT withholding is calculated on the VAT amount. The total suggested reserve combines VAT after credits, income tax and any additional tax reserve. Withholding already deducted is not added again to the amount to set aside. Blank rate and credit fields are treated as zero. The app does not automatically determine statutory tax brackets, exemptions, deductible expenses or filing periods. The result is not a final tax liability, tax return or accounting service. Calculating an estimate does not change recorded liabilities, account balances or actual payments. Transaction-specific tax details entered when creating an income plan are handled in a separate calculation flow.
1.3. Savings scenarios and budget scope
The “What if you had spent less?” card applies the reduction percentage you select to the chosen expense amount. The resulting potential saving is hypothetical; it is not an actual saving, account balance, investment return or guaranteed outcome. Choosing 100% assumes that none of the selected spending occurred; it does not mean every expense can be eliminated.
The overall budget and category limits track actual spending in the same personal budget period. Credit-card and overdraft purchases count when recorded as expenses; repayment of debt principal does not count as spending a second time. Interest and fees count when recorded as expenses. Debt-linked payment plans are not added again to the spending forecast. Cash outflow and spending differ; debt repayments may appear separately in cash flow. The family ledger is assessed separately. Correct record types and source links affect the results.
Pending plans for the period, including linked debt installments, are shown separately. Their remaining amounts are reserved in the forecast because the future payment source is not yet known. Future card statements without a recorded plan are not automatically included. “Remaining after plans” is a planning indicator, not a bank's available balance or an actual saving. Filtering the types of liabilities shown changes only the presentation; it neither deletes hidden debts nor removes the obligation to pay them.
1.4. Optional AI prioritization
“Suggestions from Paymoria” sends financial summaries through Cloudflare to OpenAI only with the sharing permission you give for this device and iCloud account; you can withdraw that permission in Settings. AI produces commentary, explanations of alternatives and behavioral steps. Amounts are calculated using defined calculation rules; commentary is not guaranteed to be accurate or appropriate for you. A report is not investment, tax or legal advice or a payment instruction, and it does not change your accounts automatically. Expected income is not treated as cash available today. Recorded cash, total assets and debts, expected receipts and remaining planned payments are summarized automatically. Unrecorded expenses, a safety buffer and due dates outside the period are unknown, so spare cash or capacity for extra payments is not assumed. A recorded interest rate does not prove that interest is currently accruing; interest examples are conditional. Alternatives may use the same money and must not be treated as a combined plan.
Successful new AI reports and coach replies share one allowance. During a paid period, the calendar-month allowance is 15 for Pro, or 30 shared by the two people on a Family plan. During an Apple-confirmed introductory free trial, the allowance is 10 successful new reports or coach replies for the entire trial; both people on a Family trial share those same 10 uses. Crossing a calendar-month boundary or reinstalling the app does not reset the trial allowance. Reopening an existing report does not use another allowance. On conversion to a paid subscription, the plan's normal calendar-month allowance applies; trial usage is not deducted from it. Short scenario-prioritization suggestions also have daily technical limits. Daily usage limits also apply and reset using UTC. Failed generation does not consume the successful-report allowance; separate technical attempt limits apply to prevent abuse and protect service capacity. A report based on the same data may be reused for 24 hours.
AI is optional. On-device scenarios remain available if you do not give permission or the service is unavailable. Service limits apply; continuous availability and particular outcomes are not guaranteed.
The personal ledger currency can be chosen as TRY, USD, GBP or EUR during initial setup; existing legacy records remain in TRY. This denomination cannot change while financial records exist. Backups and synchronization retain the denomination and do not automatically merge different currencies. Market equivalents may use reference exchange rates; a displayed conversion is not a bank transaction or an executed foreign exchange trade.
The app's regional service scope is determined from the current App Store storefront region obtained through Apple StoreKit. That region does not establish citizenship, physical location, tax residency or bank contract terms. Interface language, number format, record currency and display currency are separate settings. Initial setup may suggest a supported record currency; you confirm it through the visible choice. A change in storefront region or language does not automatically convert existing currencies, amounts, tax bases or bank contracts. The region does not automatically determine bank interest or tax rates; those depend on the relevant records and contract terms.
Country-specific features are limited to the scope supported in this version. Personalized AI debt prioritization is not provided unless the current App Store storefront is verified as Türkiye. Country-specific assumptions are not applied if region information is unavailable. Where available, a neutral informational report is prepared on Paymoria's server after subscription verification; it does not use OpenAI or consume the AI-report allowance. This report request still requires sending the financial summary to Paymoria's server. Do not assume the same bank, tax or advisory features are available in every country.
2. Information you enter
Paymoria's results rely largely on information you enter or create in the app. Inaccurate, incomplete, outdated or incorrectly denominated records can affect calculations and forecasts. You are responsible for checking the accuracy of your records.
3. Market data
Foreign-exchange reference data comes from the European Central Bank (ECB). It is available free of charge at https://www.ecb.europa.eu/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html . Paymoria calculates cross rates from daily EUR-based reference data; Frankfurter access limited to ECB data may be used as a fallback. These are not live bank or exchange-office buy/sell prices. Automatic rates may be unavailable for currencies the ECB does not publish.
Gold prices per troy ounce in USD come from Gold API (https://gold-api.com). Turkish-lira equivalents are estimates calculated by Paymoria using the ECB USD/TRY reference rate and the quantity of fine gold. Gram, 22-carat and coin values are not jeweler quotations and exclude workmanship, premiums and buy/sell spreads. The gold-price timestamp may differ from the date of the daily exchange rate used for conversion.
Data may be delivered through Paymoria's HTTPS infrastructure, delayed or temporarily unavailable. Last-known cached values are not current transaction prices. Attribution does not mean that the ECB or Gold API endorses Paymoria. Market data is for information and approximate valuation, not a price guarantee, trading instruction or investment advice.
4. Notifications
Payment, income, debt, card, rent, budget and other notifications are supporting reminders. Timely and complete delivery depends on the operating system, device settings, notification permissions, connectivity and system conditions. Check official due dates, payments and other obligations separately with the relevant bank, institution or contract.
5. Paymoria Family
Paymoria Family is optional and may require a paid plan. You can invite people to a private sharing space created using Apple iCloud/CloudKit. People who accept the invitation can view and edit shared records within their CloudKit permissions.
The Family workspace lets you manage shared accounts, debts, income, expenses, plans, assets and goals. Your personal financial ledger is not automatically shared with family members. If you explicitly add a personal transaction to the Family workspace, that shared record becomes visible to the other member within the sharing permissions. Personal synchronization between devices using the same iCloud account is separate from Family sharing.
The former “Finance Together” feature, which shared a personal ledger with a partner, is retired in this version. Its personal-data sharing, editing and contribution-request flows are disabled. Shared Family workspace records continue to synchronize.
Invite only people you trust. Changes in the shared space can affect financial results other members see.
If the Family subscription ends or paid access is inactive, creating and editing shared financial records is restricted. Users with verified CloudKit membership can still view existing shared records. Expiry alone does not delete the workspace or its sharing permissions. Leaving a workspace and deleting an account are separate processes.
6. Subscriptions
An active Pro or Family subscription is required to access personal finance screens and create or edit personal financial records. Apple App Store subscriptions renew automatically on a monthly or annual basis. The current price, currency, duration and renewal terms appear in Apple's purchase confirmation.
An introduction to setup and the legal documents appear at first launch. Setup using real financial records becomes available with an Apple-verified Pro or Family subscription. Opening an introduction or setup screen does not itself start a subscription.
There is no ongoing free plan. Eligible Apple accounts may receive a 7-day free trial if the offer is active for that plan in the App Store. The trial starts only when you explicitly confirm it in Apple's purchase sheet. Its duration, the price charged afterward and the renewal period are shown before purchase. Unless canceled in Apple's subscription settings at least 24 hours before the trial ends, the selected plan renews automatically at the displayed price. Accounts that are ineligible for a trial see the standard charge in Apple's confirmation. Apple determines introductory-offer eligibility within a subscription group; deleting or reinstalling the app or switching plans does not create a new trial entitlement.
Subscriptions are managed through your Apple account. You can turn off renewal, change plans where available, or use Apple's subscription-management tools. Paid access is based on the current entitlement verified by StoreKit.
When an active entitlement expires, access to personal finance screens and personal record creation/editing is disabled. Existing records are not deleted simply because the subscription expires. Access resumes when the subscription is verified again. Restoring purchases, managing subscriptions, reading legal documents and deleting the account remain available without a subscription. Creating and editing Family records requires the owner's active Family entitlement; verified invited members use the shared workspace under that subscription. Existing shared records remain readable for verified members.
Test subscriptions apply to test Family workspaces; they do not unlock production workspaces that require a real subscription. Deleting an account does not cancel an Apple subscription. Restoring purchases does not restore deleted financial records or a deleted Family workspace.
7. Availability and third-party services
Paymoria does not guarantee uninterrupted or error-free service. Outages or changes affecting iCloud/CloudKit, App Store/StoreKit, connectivity, notifications or third-party market-data services may affect features.
8. Data loss and backups
Paymoria may use technical safeguards and local pre-migration backups to reduce the risk of data loss. However, device failure, operating-system problems, storage corruption, service outages or user actions can still cause loss. Where necessary, check critical records against independent sources.
9. Intellectual property
The Paymoria name, app design, software, text, visual elements and associated intellectual-property rights belong to their respective rightsholders. Unauthorized copying, reverse engineering, distribution or commercial reuse is prohibited except where applicable law permits it.
10. Liability
Mandatory law and non-waivable consumer rights remain unaffected. Use Paymoria's informational and planning results with your own judgment. Paymoria cannot guarantee uninterrupted third-party services or the absolute accuracy of third-party data.
11. Changes to these terms
Material changes to app features, data flows, subscriptions or legal requirements may result in a new version number and update date. Where required, you may be asked to review and accept an updated version of the Terms of Use.
12. Contact
Support: support@paymoria.app
Legal and privacy inquiries: yusuf@paymoria.app
Updates may also be published at paymoria.app.