Monyra Financial AI
Operated by WestandB Media LLC
Website: https://monyra.app

1. General Information and Educational Purposes

Monyra Financial AI (“Monyra,” “we,” “our,” or “us”) provides personal financial management software, educational resources, budgeting tools, debt-management features, credit-related insights, financial planning simulations, and artificial intelligence-assisted tools.

All information, calculations, analyses, recommendations, projections, and other content available through Monyra are provided for general informational and educational purposes only.

Monyra is not a bank, licensed financial advisor, investment advisor, credit bureau, or credit repair organization. Monyra does not provide individualized financial, investment, legal, accounting, or tax advice.

Use of Monyra does not establish a professional advisory, fiduciary, banking, or attorney-client relationship.

2. No Guarantee of Financial Results

Monyra is designed to help users better understand and organize their financial information. However, using the platform does not guarantee any particular financial outcome.

We do not guarantee that using Monyra will:

• Increase savings or income.
• Reduce or eliminate debt.
• Improve credit scores or creditworthiness.
• Prevent missed payments, late fees, or collection activity.
• Result in loan or credit approval.
• Improve eligibility for financial products.
• Produce any particular financial benefit.

Financial results depend on individual circumstances, financial decisions, creditor policies, market conditions, and other factors outside Monyra's control.

3. Credit Information and Credit Health Ratings

Monyra may provide credit-related educational tools, credit report analysis, account reviews, utilization calculations, dispute-letter assistance, and proprietary credit health indicators.

Monyra's Credit Health Rating is an educational assessment and is not an official consumer credit score.

It is not a FICO Score, VantageScore, or score issued by a consumer reporting agency.

Monyra does not determine the credit scores used by lenders, and its assessments may differ significantly from scores or evaluations provided by credit bureaus, lenders, or other organizations.

Credit-related recommendations are informational and do not guarantee improvements to a user's credit file, credit score, or lending eligibility.

Monyra does not directly modify credit reports, remove negative information, or compel credit bureaus or creditors to make corrections.

4. Artificial Intelligence Limitations

Certain Monyra features use artificial intelligence to analyze information, generate explanations, suggest actions, and assist with financial planning.

AI-generated outputs may be incomplete, inaccurate, outdated, or inappropriate for a user's circumstances.

Users should independently verify important information before making financial decisions.

AI-generated suggestions should not replace advice from qualified professionals.

Monyra does not guarantee the accuracy, completeness, reliability, or suitability of AI-generated content.

5. Budgeting, Debt Management, and Financial Projections

Monyra may calculate budgets, estimate repayment timelines, model debt-reduction strategies, and simulate financial scenarios using information entered or supplied by users.

These calculations and projections are estimates, not promises or guaranteed outcomes.

Actual results may differ because of interest-rate changes, fees, payment timing, creditor practices, inaccurate or incomplete inputs, and other circumstances.

Users remain responsible for reviewing financial obligations, confirming payment amounts and due dates, and making payments through appropriate financial institutions or service providers.

Unless expressly identified as a separate supported service, Monyra does not make payments, negotiate debts, or manage financial accounts on a user's behalf.

6. Credit Disputes and Generated Documents

Monyra may help users prepare educational templates, correspondence, or dispute letters concerning information appearing on their credit reports.

These tools do not constitute legal representation or a credit repair service.

Generating or submitting a dispute letter does not guarantee that a credit bureau, creditor, or other organization will investigate, correct, or remove any information.

Users are responsible for verifying that statements made in submitted documents are accurate, truthful, and supported by appropriate evidence.

7. User-Provided and Third-Party Information

The usefulness and accuracy of Monyra's tools depend partly on the information available to the platform.

Information entered by users may be incomplete, inaccurate, or outdated. Information obtained from third parties may also contain errors or experience delays.

Monyra cannot guarantee that every account balance, credit-related item, transaction, financial estimate, or external data point is accurate or current.

Users should consult original financial statements, official credit reports, creditor communications, and other authoritative records when making important decisions.

8. No Banking, Lending, or Investment Services

Monyra is a financial management software platform and does not, merely by offering its budgeting, debt, credit, or AI features:

• Accept deposits as a bank.
• Issue loans or credit.
• Guarantee financing or loan approval.
• Provide investment management.
• Act as a financial institution or credit reporting agency.
• Hold or manage users' funds.

Any third-party financial products or services referenced through the platform are subject to their respective providers' terms and conditions.

9. User Responsibility

Users are solely responsible for their financial decisions and for determining whether information or suggestions provided by Monyra are appropriate for their circumstances.

Before making significant financial, credit, legal, or tax decisions, users should consider consulting an appropriately qualified professional.

Users should not rely exclusively on Monyra to identify deadlines, detect financial errors, prevent missed payments, or determine their financial obligations.

10. Limitation of Liability

To the maximum extent permitted by applicable law, WestandB Media LLC and Monyra disclaim liability for losses arising from reliance on inaccurate, incomplete, delayed, or misunderstood financial information, projections, AI-generated outputs, or educational recommendations provided through the platform.

Nothing in this disclaimer excludes or limits liability that cannot legally be excluded or limited.

Additional provisions concerning the use of Monyra are set out in our Terms of Service and other applicable policies.

11. Changes to This Disclaimer

We may update this Financial Disclaimer to reflect changes in our services, technology, business practices, or applicable legal requirements.

The current version will be published on Monyra.app with an updated effective date when appropriate.

12. Contact Information

For questions regarding this Financial Disclaimer, contact:

WestandB Media LLC
Monyra Financial AI
Email: support@monyra.app
Website: https://monyra.app

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Important Reminder: Monyra helps users organize, understand, and plan their finances. It does not guarantee financial improvement, credit score increases, debt elimination, or specific financial outcomes.