Terms of Service

Last updated: September 7, 2026

1. Agreement to Terms

By downloading, accessing, or using MOT – Money On Track, you agree to be bound by these Terms of Service.

2. Description of Service

MOT is a personal finance record-keeping utility designed to help users track informal loans, repayments, and outstanding balances. MOT does not act as a bank, financial institution, or payment processor.

3. User Responsibilities

Users are responsible for ensuring the accuracy of records entered into the application. MOT is not liable for agreements or disputes between individuals regarding personal payments.

4. Modifications

We reserve the right to update these terms at any time. Continued use of MOT constitutes acceptance of updated terms.