Terms of Use
Version 1.0 · Effective date: 18 October 2026
Company: Review International Ltd, a company registered in England and Wales under company number 16987288 with its registered office at 127A Alexandra Road, Poole, Dorset, BH14 9EW, United Kingdom.
Contact: support@multimari.com
1. Introduction and Acceptance
1.1 Review International Ltd ("Review International", "we", "us", or "our") owns and operates MultiMari, a personal finance application designed to help individuals record, organise, and understand information about their finances.
1.2 These Terms of Use ("Terms") govern your access to and use of MultiMari, including its financial recording, budgeting, reporting, planning, Ask MultiMari, subscription, and related features.
1.3 By creating an account, accessing MultiMari, or using any of its features, you agree to these Terms. If you do not agree with these Terms, you must not use MultiMari.
1.4 These Terms should be read together with our Privacy Policy and any other policies or notices expressly incorporated into these Terms.
2. What MultiMari Is
2.1 MultiMari helps you record, organise, and understand information about your money.
Depending on the features available to you, MultiMari may allow you to record or manage information relating to:
- accounts and balances;
- income and transactions;
- budgets;
- bills;
- savings;
- future expenses;
- projects;
- investments;
- loans; and
- financial goals.
2.2 MultiMari is an information and financial organisation tool.
It is not:
- a bank;
- a payment service;
- a money transfer service;
- a lender;
- an investment platform;
- a financial adviser;
- a tax adviser; or
- a legal adviser.
2.3 MultiMari does not hold, receive, send, transfer, or otherwise move money on your behalf.
MultiMari does not connect directly to your bank account and does not require your bank login credentials.
3. Financial Information and Advice
3.1 Information displayed by MultiMari, including figures, calculations, reports, summaries, budgets, observations, and other financial information, is provided to help you understand and organise your own financial information.
3.2 MultiMari does not provide financial, investment, tax, accounting, or legal advice.
3.3 You are responsible for deciding whether and how to act on information provided through MultiMari.
3.4 Where a financial, tax, investment, legal, or other professional decision could have significant consequences, you should obtain appropriate independent professional advice.
3.5 MultiMari does not guarantee that using the app will improve your financial position or produce any particular financial outcome.
4. Ask MultiMari and Artificial Intelligence
4.1 MultiMari may include Ask MultiMari, which uses artificial intelligence to answer questions and provide explanations based on information available within your MultiMari account.
4.2 AI-generated answers can contain errors, omissions, incorrect calculations, misunderstandings, or information that is unsuitable for your particular circumstances.
4.3 You should check important information before relying on it, particularly where an answer could affect a significant financial decision.
4.4 You can report an answer that appears to be incorrect or misleading. We may review reported answers to investigate problems and improve the service.
4.5 An answer from Ask MultiMari does not constitute professional financial, investment, tax, accounting, or legal advice.
5. Eligibility and Your Account
5.1 MultiMari is intended for individuals aged 18 years or over.
5.2 You must provide accurate information when creating your account and keep your account information reasonably up to date.
5.3 You are responsible for maintaining the security of your sign-in details and for activity carried out through your account.
5.4 You must not share your account credentials with another person or knowingly allow another person to use your account in a way that compromises its security.
5.5 If you believe that someone has accessed your account without permission, you should contact us as soon as reasonably possible.
6. Your Financial Records
6.1 You are responsible for the information you enter into MultiMari.
6.2 MultiMari does not independently verify the accuracy of the financial information you record.
6.3 The accuracy of your balances, reports, budgets, and other information displayed by MultiMari depends on the accuracy and completeness of the information you provide.
6.4 You should review important records and correct errors when you become aware of them.
6.5 Where MultiMari provides calculations or summaries based on your records, those calculations depend on the underlying information being complete and accurate.
7. Statement Imports
7.1 MultiMari may allow you to import bank statements as CSV or PDF files.
7.2 Where this feature is available, the statement file is processed on your device.
7.3 The statement file itself is not uploaded to Review International's servers.
7.4 Only transactions that you choose to keep are added to your MultiMari records.
7.5 Once saved, imported transactions are treated in the same way as transactions entered manually.
8. Free Trial and Subscriptions
8.1 Monthly subscriptions to MultiMari Budget, Basic or Plus start with a 7-day free trial through Google Play, subject to Google Play's eligibility rules (normally one free trial per person for each plan). Google Play takes your payment method when the trial starts and charges you when it ends unless you cancel before then.
8.2 After the free trial, you may choose to subscribe to an available MultiMari plan, including Budget, Basic or Plus, through Google Play.
8.3 The applicable price, billing period, features, and any limitations will be displayed before you subscribe.
8.4 Where a subscription is set to renew automatically, Google Play will renew the subscription at the applicable price unless you cancel it before the next renewal date.
8.5 You can manage or cancel your subscription through your Google Play account. Cancelling a subscription prevents the next renewal. Unless otherwise required by law or provided by the applicable subscription terms, cancellation does not normally end the current paid subscription period immediately.
8.6 Subscription payments, cancellation procedures, refunds, and payment processing may also be subject to Google's applicable terms and policies.
8.7 Nothing in these Terms removes or limits any cancellation, refund, or other rights you may have under applicable consumer protection law.
8.8 If you do not subscribe after your free trial, or your paid subscription ends, your existing financial records remain associated with your account, subject to our Privacy Policy.
8.9 Where the relevant features are available, you may continue to view existing records after your subscription ends. You may be unable to add new records or use features that require an active subscription.
9. Ask MultiMari Usage Limits
9.1 Ask MultiMari may have a monthly question allowance depending on your plan.
9.2 Your applicable allowance and any usage limits will be displayed within MultiMari.
9.3 Unused question allowances do not carry forward unless we expressly state otherwise.
9.4 We may introduce reasonable usage limits where necessary to protect the security, reliability, availability, or fair operation of MultiMari.
10. Fair and Acceptable Use
10.1 You agree to use MultiMari lawfully and responsibly.
10.2 You must not:
- attempt to access another person's MultiMari account or financial information without permission;
- bypass or interfere with security or access controls;
- introduce malicious software or harmful code;
- attempt to gain unauthorised access to our systems;
- deliberately overload or disrupt MultiMari;
- use automated methods to abuse or interfere with the Platform;
- use MultiMari for fraudulent or unlawful purposes;
- reverse engineer or attempt to extract protected parts of MultiMari except where permitted by law;
- misuse Ask MultiMari or deliberately submit information intended to cause the service to malfunction; or
- use MultiMari in a way that could materially harm the Platform or other users.
10.3 We may investigate suspected misuse and may restrict, suspend, or terminate access where reasonably necessary to protect MultiMari, our users, or our systems.
11. Your Content and Information
11.1 You retain responsibility for the financial information and other content you enter into MultiMari.
11.2 You grant Review International the limited rights necessary to store, process, calculate, display, analyse, and otherwise use your information to provide MultiMari and its features to you.
11.3 We process your personal data in accordance with our Privacy Policy.
11.4 You should not enter another person's personal or financial information into MultiMari unless you have a lawful basis or appropriate authority to do so.
12. Intellectual Property
12.1 MultiMari, including its software, application design, branding, name, graphics, interfaces, features, text, databases, technology, and underlying systems, is owned by or licensed to Review International Ltd.
12.2 These Terms give you a limited, personal, non-exclusive, non-transferable right to use MultiMari for its intended purpose while you have an active account.
12.3 You do not acquire ownership of MultiMari or any intellectual property belonging to Review International by using the app or subscribing to a paid plan.
12.4 You must not copy, reproduce, distribute, sell, modify, reverse engineer, or commercially exploit MultiMari or its protected content except where expressly permitted by us or by law.
13. Third-Party Services
13.1 MultiMari relies on certain third-party services to provide parts of the Platform, including authentication, database infrastructure, artificial intelligence, email delivery, and subscription payments.
13.2 These services may be operated by independent third parties and may be subject to their own terms and privacy policies.
13.3 Further information about the third-party providers we use and their role in processing personal data is provided in our Privacy Policy.
14. Changes to MultiMari
14.1 We may improve, modify, add, remove, or discontinue features of MultiMari from time to time.
14.2 Changes may include:
- introducing new features;
- changing existing functionality;
- changing plan features or usage limits;
- improving security;
- correcting technical problems; or
- discontinuing features that are no longer reasonably practical to maintain.
14.3 Where a change materially affects these Terms or your rights under them, we will provide reasonable notice through the app or by another appropriate method where required by law.
14.4 If you continue to use MultiMari after revised Terms take effect, you will be treated as having accepted the revised Terms, except where applicable law requires a different process.
15. Availability
15.1 We aim to keep MultiMari available and reliable, but we do not guarantee that the app will always be available or uninterrupted.
15.2 MultiMari may occasionally be unavailable because of:
- scheduled maintenance;
- software updates;
- security measures;
- technical failures;
- third-party service interruptions;
- internet or telecommunications failures; or
- circumstances outside our reasonable control.
15.3 We may temporarily restrict access where reasonably necessary to protect the security, integrity, or lawful operation of MultiMari.
16. Disclaimers and Liability
16.1 MultiMari is provided as a tool for recording, organising, and understanding financial information.
16.2 We do not guarantee that:
- every calculation or report will be error-free;
- AI-generated answers will always be accurate;
- information provided will always be suitable for your circumstances;
- MultiMari will always be available; or
- using MultiMari will produce a particular financial outcome.
16.3 You remain responsible for financial decisions you make based on information provided through MultiMari.
16.4 To the fullest extent permitted by law, Review International will not be responsible for losses arising from financial decisions you make based on information provided by MultiMari.
16.5 Nothing in these Terms excludes or limits your statutory rights as a consumer.
16.6 Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited, including liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that applicable law does not permit us to exclude or limit.
17. Suspension and Termination
17.1 You may stop using MultiMari at any time.
17.2 You may delete your account through:
More → Profile → Delete my account
17.3 We may suspend or terminate your account where we reasonably believe that you have:
- materially breached these Terms;
- used MultiMari unlawfully or fraudulently;
- compromised the security of MultiMari;
- attempted to access another user's information; or
- used the service in a way that could materially harm MultiMari or its users.
17.4 Where reasonably possible, we will provide notice before suspending or terminating an account, unless immediate action is necessary for security, legal, fraud prevention, or other legitimate reasons.
17.5 Deleting your account does not affect information that we are legally required or permitted to retain. Our handling of retained information is explained in our Privacy Policy.
18. Force Majeure
18.1 Review International will not be responsible for a delay, interruption, or failure to provide MultiMari caused by circumstances beyond our reasonable control.
These may include natural disasters, government action, changes in law, war, civil unrest, cyber attacks, internet or telecommunications failures, utility outages, failures of third-party providers, labour disputes, or other unforeseen events beyond our reasonable control.
18.2 Where such an event affects MultiMari, we will take reasonable steps to restore the affected service when we are able to do so.
19. Severability
19.1 If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision will be treated as modified or removed to the extent necessary, and the remaining provisions will continue to apply.
20. No Waiver
20.1 If we do not immediately enforce a provision of these Terms, this does not mean that we have waived our right to enforce it later.
21. Entire Agreement
21.1 These Terms, together with our Privacy Policy and any other policies expressly incorporated into them, form the agreement between you and Review International concerning your use of MultiMari.
21.2 They replace any previous terms or agreements relating to your use of MultiMari, except where we expressly agree otherwise.
22. Governing Law and Jurisdiction
22.1 These Terms and any non-contractual obligations arising from or connected with them are governed by the laws of England and Wales.
22.2 The courts of England and Wales will have jurisdiction over disputes arising from these Terms, subject to any mandatory rights you may have as a consumer under applicable law.
23. Changes to These Terms
23.1 We may update these Terms from time to time to reflect changes to MultiMari, our services, applicable law, regulatory requirements, or the way the Platform operates.
23.2 Where changes are material, we will provide reasonable notice before they take effect where required by law.
23.3 The latest version of these Terms will be available within MultiMari and will include the date of the most recent revision.
24. Contact
If you have any questions about these Terms, MultiMari, your account, or our services, please contact:
Review International Ltd
Registered Office:
127A Alexandra Road
Poole
Dorset
BH14 9EW
United Kingdom
Email: support@multimari.com
Company Registration Number: 16987288