Last updated: August 2026
Developer: MaxIA
MaxIA is the new name of MonAI. Same app, same developer, same data on your phone: only the name changed.
By using MaxIA you accept these terms.
MaxIA is an app that helps you manage your personal finances. It is not a regulated financial service and does not provide financial, tax or legal advice.
The data you enter in the app is your sole responsibility. We recommend making regular backups. The developer is not liable for data loss resulting from uninstalling the app, resetting the device or hardware malfunctions.
If you use an AI provider (Google Gemini), you are also subject to the terms of use of the provider you choose. Any AI API costs (where applicable) are your responsibility.
To use the AI assistant you need your own Google Gemini key: Google requires the account used to create it to belong to an adult (18+) user with a verified age, and may deny access until these requirements are met. The rest of MaxIA (managing accounts, expenses, budgets, goals and investments) has no age requirement.
Answers and analyses generated by the AI assistant (totals, comparisons, observations about your spending) are for information purposes only, may contain errors and do not constitute financial, tax or investment advice.
Estimates computed by the app on the device — such as the end-of-month forecast, the financial score and goal projections — are also statistical indications based on your past data: they do not guarantee future results and should not be used as the sole basis for financial decisions.
The automation that records payments made with your phone is built by you inside iOS Shortcuts: MaxIA provides the action and the instructions, but the automation is yours and you can delete it whenever you like. MaxIA does not connect to any bank, card or payment network and does not move money: it only records what the automation hands over. If the automation is set up incorrectly, is disabled by iOS or stops working after a system update, some payments may not be recorded: your transactions remain your responsibility and should be checked like all the others.
The values of cryptocurrencies, metals and listed securities shown in the app come from public third-party sources and are purely indicative: they may be inaccurate, incomplete or delayed with respect to the market. They are not official quotations nor a basis for investment decisions. The developer does not guarantee their accuracy and is not responsible for decisions made on the basis of such data.
MaxIA does not execute real market transactions: the Assets section — including the automatic accumulation plan (recurring investment) — merely records and monitors values for information purposes. No real money is moved, invested or transferred by the app.
MaxIA is free to download and includes a complete personal finance manager. Some advanced features (AI assistant, Assets section, financial score, PDF import and export, automatic backup, extra themes and customisations) are grouped under the name MaxIA Plus and in this version are included for free for everyone. This version has no in-app purchases or subscriptions.
We reserve the right to update these terms. Substantial changes will be communicated through an app update.