Terms and Conditions

1. Introduction

Moneytor – How Much Are You Worth Ltd. (the “Company”) welcomes you and appreciates your choosing to use the Moneytor website (the “Website”). The Company offers monitoring and streamlining services for financial management by collecting data, analyzing them wisely, and presenting investment options (the “Service”). By accessing the Website, you may obtain information regarding the Service, its functionalities, and additional topics related to the Company’s activities. These Terms of Service (the “Terms”) constitute a binding legal agreement between you and the Company, governing your use of the Website and the Service. We recommend that you review these Terms carefully. If you do not agree with any of the provisions herein, you are advised to refrain from using the Website. We’ll regret it, but it’s your full right. For any questions or comments, please contact us at by writing to office@moneytor.co.il. These Terms may be amended from time to time to reflect updates to the Website’s functionality or to comply with changes in applicable law or regulation. Material changes will be communicated in advance via the Website or by email, including the effective date and a summary of the modifications. Your continued use of the Website following such updates constitutes your acceptance of the revised Terms. Where required by law, we will seek your consent. You may object to such changes during the notice period, in which case your authorization to use the Website may be revoked.

2. Eligibility and Permitted Use

Use of the Website is permitted only by individuals who are 18 years of age or older. If it comes to the Company’s attention that a user is under the age of 18, the Company reserves the right to restrict access and delete any associated personal data in accordance with its Privacy Policy. The Website is intended solely for informational purposes related to the Service. Any other use requires the Company’s prior, explicit, and written consent. The Company may alter the nature, extent, or availability of the Website’s content at any time. All content on the Website is the proprietary property of the Company and may not be copied, distributed, displayed, or otherwise used without the Company’s prior written consent. By using the Website, you agree to refrain from the following actions:

• Copying, framing, embedding, mirroring, licensing, selling, or distributing content from the Website.
• Modifying, reverse-engineering, creating derivative works from, or attempting to access the Website’s source code.
• Linking to Website content in a manner that detaches it from its original context or obscures any part of it.
• Accessing the Website to develop a similar or competing product or service, including through data scraping.
• Engaging in activities such as penetration testing, scraping, hacking, or using bots or other automated tools.
• Using the Website for any unlawful or harmful activities, including fraud, privacy violations, harassment, or defamation.
• Linking to the Website from websites containing illegal, pornographic, gambling, or hateful content.

3. Registration

Certain features of the Website may be available only to registered users. Registration may be conducted through third-party platforms (e.g., Gmail, Apple, Facebook) or by other methods at the Company’s discretion. Two-factor authentication may be employed via SMS or WhatsApp to secure user accounts.

4. Payments

Some services offered through the Website may be subject to subscription fees or one-time payments, which are processed via third-party payment providers in accordance with our Privacy Policy. The Company may occasionally offer promotional discounts.

5. Trial Period (Free Trial) for Premium Subscriptions

The Company may, from time to time, offer a trial period for Premium subscription services (the “Trial Period”), during which you may enroll in the Premium subscription but your first charge will be deferred until the end of the Trial Period. The Trial Period length may vary between users and is determined dynamically by the Company as presented to you at the time you approve the recurring payment (the default Trial Period is 7 days, though certain users may be offered a longer Trial Period). You may cancel your Premium subscription at any time during the Trial Period, and in such case you will not be charged. If you do not cancel during the Trial Period, your first payment will be charged at the end of the Trial Period (after X days, as displayed to you at sign-up), and thereafter according to the billing cycle you selected (monthly or annual).

6. Investment Disclaimers and Third-Party Content

Pursuant to the The Regulation of Investment Counselling, Investment Marketing, and Portfolio Management Law, 5755–1995, only individuals licensed by the Israel Securities Authority are authorized to provide investment advice. The Company is not licensed and does not provide such advice or any services that may be construed as such. The Company does not act as an agent, advisor, marketer, or intermediary for any financial institution. The Website merely offers a technological platform to present general information and third-party offerings that may be of interest to users. Content presented on the Website does not constitute investment advice, an offer to invest, or an inducement to engage in any financial transaction. Users are strongly advised to consult with licensed professionals before engaging in any financial activity. Once a user engages with a third party, the Company disclaims any liability related to that interaction, including its legality, reliability, or outcomes. The Company assumes no responsibility for any damages, direct or indirect, arising from such third-party interactions, including but not limited to lost profits, failed transactions, or contractual disputes. With your explicit consent, the Company may share your data with selected financial consultants or business partners.

7. Open Banking Services

The Company holds a Financial Services Provider license issued by the Israel Securities Authority. As part of the Service, users may choose to connect their bank and credit accounts to the Website to enable data aggregation and financial analysis. This functionality is strictly “read-only” and does not permit the initiation of any transactions. Data access is facilitated through licensed third-party providers and is used solely for providing the Service.

8. Advertisements

The Website may display advertisements, including those provided by external ad networks. The Company does not control the content of such ads and is not responsible for their accuracy, legality, or any resulting consequences.

9. External Links

These Terms apply exclusively to the Website. The Company assumes no responsibility for the content or operations of third-party websites that may be linked from the Website. Users are encouraged to review the terms and policies of those sites before using them. Reports of inappropriate or unlawful links may be submitted to: office@moneytor.co.il.

10. Privacy

Our Privacy Policy, available at https://moneytor.co.il/en/privacy-policy-en/, explains how personal information is collected and used. The Privacy Policy forms an integral part of these Terms and should be reviewed carefully.

11. Intellectual Property

All intellectual property rights in the Website, Service, and related content are owned by the Company or its licensors. No content may be used, copied, or modified without the Company’s prior written consent. If such consent is granted, all copyright and proprietary notices must be preserved. By uploading or submitting any copyright-protected content, you represent and warrant that you possess all necessary rights to do so and hereby grant the Company a worldwide, royalty-free, perpetual, and irrevocable license to use, reproduce, and display such content for the purpose of promoting the Website and the Service.

12. Disclaimer of Warranties and Indemnity

The Website is provided on an “as is” basis, without any warranties, express or implied. The Company makes no representations or guarantees regarding the completeness, accuracy, reliability, or timeliness of the content available on the Website. Users may submit personal information, including financial preferences; however, the Company assumes no responsibility for the accuracy, integrity, or security of such user-generated content. The Company is not liable for service disruptions caused by maintenance, technical faults, or third-party interruptions. Users agree to indemnify the Company and its representatives for any loss or expense arising from violations of these Terms or unlawful use of the Website.

13. Changes and Termination

The Company may, at its discretion, modify, suspend, or terminate the Website or any of its features without prior notice. Users shall have no claim against the Company for any temporary or permanent change, suspension, or discontinuation.

14. Governing Law and Jurisdiction

These Terms shall be governed solely by the laws of the State of Israel. Exclusive jurisdiction over any disputes shall lie with the competent courts in the Tel Aviv District.

15. Premium Services

Certain “Premium” features may be offered for a fee, including but not limited to:

• Pension data (e.g., pension funds, provident funds)
• Real estate holdings
• Loan data and personal credit ratings

Fees vary depending on whether the subscription is monthly or annual. Subscriptions renew automatically unless canceled.

16. Subscription Cancellation, Refunds, and Trial Period

If you were offered a Trial Period (Free Trial) as part of enrolling in Premium Services, you may cancel at any time during the Trial Period and you will not be charged. If you do not cancel during the Trial Period, your first charge will be made at the end of the Trial Period and the subscription will then continue to renew automatically (unless canceled) according to the billing cycle selected. After billing has started, you may cancel your subscription in accordance with applicable law by contacting: office@moneytor.co.il. Where permitted by law, and in cases where the Service has already begun, the Company may charge a proportional fee for the Services provided and/or actual use up to the cancellation date (including, where applicable, an initial “financial snapshot” or other core onboarding service delivered early in the subscription term), and may apply a cancellation fee where permitted, subject to the statutory caps. Following receipt of a valid cancellation notice, the subscription will not renew and future charges will stop in accordance with applicable law.

17. Contact Information

For any inquiries, please contact us at: office@moneytor.co.il. You may be required to provide identification information in order to receive support. Last updated: Feb 22, 2026