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English
* This English version is provided for convenience and information purposes only. The German version of the Terms and Conditions (available at https://www.bonsy.com/agb) remains the sole authoritative and legally binding text and shall prevail in the event of any discrepancy or conflict between the two. Any liability for errors or omissions in this translation is excluded.
1.1 These Terms and Conditions are concluded exclusively between marktguru Deutschland GmbH (“marktguru”) and the person using the App (“User”). The operators of the respective app stores, such as Google or Apple (hereinafter collectively referred to as “Store Operators”), are not parties to these Terms and Conditions.
1.2 The language available for the conclusion of the contract is exclusively German.
1.3 The use of the App and registration for the App are free of charge for the User.
1.4 The App offers the User the following features in particular:
1.5 marktguru may make the spending behaviour of the App users available to third parties in an anonymised format for market research purposes. Details on this are set out in the Privacy Policy for the App.
2.1 To use the App, the User must accept these Terms and Conditions and acknowledge that the Privacy Policy was provided to them for their information. The User can access the Terms and Conditions and the Privacy Policy at any time within the App under “My Profile”. marktguru does not store the Terms and Conditions on the User’s behalf.
2.2 Users are obliged to comply with these Terms and Conditions when using the App.
2.3 If the User chooses to register within the App, the information requested during registration must be provided in full.
2.4 If the information provided changes after registration, the User must update their profile.
2.5 Upon registration, the User must choose a password in accordance with the App’s requirements. The User must not disclose this password and/or other login details to third parties. The User must take appropriate measures to maintain the confidentiality of this data and to prevent the misuse of their profile by third parties. If the User has reason to believe that their profile is being used without authorisation, they are obliged to change their password immediately and inform marktguru.
2.6 The App is designed for recording expenses as part of household budgeting. Only receipts shall be uploaded; all other items (such as ID cards, invoices, etc.) are not processed and are deleted. If such expense entries (“unsolicited data”) are identified, they are deleted.
3.1 marktguru grants the User a non-exclusive, non-transferable and non-sublicensable right to use the App to the extent specified in the contract, limited to the duration of these Terms and Conditions. This includes installation on the User’s device, as well as downloading, displaying and running the installed App on the User’s device; notwithstanding this, see section 3.2 below.
3.2 Where the User uses the App on an Apple device, the right to use the App (see section 3.1 above) extends to all Apple devices owned or controlled by the User.
In accordance with the terms and conditions of Apple Media Services (available at https://www.apple.com/legal/internet-services/itunes/de/terms.html), the App may also be accessed, installed and used in accordance with these Terms and Conditions by other accounts linked to the User (for example, Family Sharing or Volume Purchases).
In the event that a third party claims that the App and the User’s use of the App infringe that third party’s intellectual property rights, marktguru, and not the store operator, shall be solely responsible for investigating, defending, settling and resolving any such claim of intellectual property infringement.
5.1 App support is provided solely by marktguru, and not by the Store Operators.
5.2 marktguru can be contacted via the support section, accessible in the App under “Give feedback”, or via the channels set out in section 13.
6.1 Any User may terminate their profile in the App and the agreement concluded with marktguru regarding the use of the App at any time by sending an email to byebye@bonsy.com.
6.2 marktguru has the right to terminate the agreement concluded with the User regarding the use of the App at any time by giving 14 days’ notice. marktguru may also terminate the agreement concluded with the User regarding the use of the App at any time without notice if a User breaches the Terms and Conditions.
marktguru shall inform the User in advance of any such termination without notice. Termination shall not affect the User’s obligations regarding the use of the App prior to the termination taking effect, unless marktguru expressly states otherwise. Prior to or instead of termination, marktguru may also restrict a User’s access to the App’s features. This applies in particular in the event of inappropriate use of the App or in cases where marktguru, in its reasonable discretion, deems such a measure necessary to avert technical or economic risks to the App, marktguru or other users of the App.
6.3 marktguru reserves the right to automatically delete inactive user accounts. A user account is considered inactive if 36 (thirty-six) months have passed since the last activity on the account, i.e. since the last login, or if the account has been suspended for 36 (thirty-six) months.
marktguru will inform the User of the impending deletion by email after 35 (thirty-five) months, provided the User has entered an email address as contact details in the user account. The User can prevent the automatic deletion of the user account by logging into the user account – the User shall be explicitly advised of this option in the deletion notification.
6.4. Information on how marktguru handles personal data in the event of the deletion or termination of the user account is contained in the Privacy Policy.
7.1 marktguru shall use reasonable endeavours to make the App available via the Internet. However, as with other apps and services used via the Internet, the availability of the App is also dependent on the services of third parties. The App and the underlying infrastructure are also subject to regular technical maintenance.
7.2 Furthermore, given the current state of the art, it is not always possible to guarantee that data communication via the Internet is error-free and/or available at all times.
7.3 The App may therefore be unavailable at times or available only with limited functionality, and marktguru is therefore not responsible for the constant and uninterrupted availability of the App. marktguru endeavours to give users timely notice of planned maintenance work on the App, for example, by displaying a corresponding notice within the App.
8.1 marktguru, and not the Store Operators, bears sole responsibility for the App; this includes, in particular, (i) claims arising from product liability; (ii) claims that the App does not comply with applicable legal or regulatory requirements; and (iii) claims arising from consumer protection law, data protection law or similar legislation.
8.2 marktguru is liable for wilful misconduct and gross negligence. Furthermore, marktguru is liable for the negligent breach of obligations, the fulfilment of which is essential for the proper implementation of the Terms and Conditions, the breach of which jeopardises the achievement of the purpose of the contract, and on the compliance with which the User may reasonably rely. In the latter case, however, marktguru shall only be liable for foreseeable damage typical for this type of contract. The same applies to breaches of duty by marktguru’s vicarious agents.
8.3 The above exclusions of liability shall not apply in the event of injury to life, limb or health. Liability under the German Act on Liability for Defective Products (Produkthaftungsgesetz) remains unaffected.
The processing of data within the App is described in the privacy policy, the current version of which is available here.
10.1 marktguru reserves the right to amend the Terms and Conditions with future effect, provided that this does not affect essential provisions of the contractual relationship (in particular those relating to the duration of the agreed services or their nature and scope, including the provisions on termination) and these amendments are necessary to take account of developments that were unforeseeable by marktguru (such as changes in the legal situation or supreme court rulings, fundamental changes in market conditions leading to a so-called disruption of the basis of the contract), and failure to take them into account would lead to a fundamental disruption of the contractual relationship. Furthermore, amendments may be made to close any loopholes in the regulations that have arisen since the conclusion of the contract.
10.2 In all the above cases, marktguru will notify all affected registered Users of any changes to the Terms and Conditions via the App. If marktguru amends the Terms and Conditions, Users will be informed within the App via a pop-up window containing a link to the amended Terms and Conditions, which can be accessed in a reproducible format. Users must agree to the changes to the Terms and Conditions before continuing to use the App. If the User does not agree to the changes to the Terms and Conditions, they cannot continue to use the App.
10.3 marktguru reserves the right to make formal adjustments, editorial changes and updates to the hyperlinks at any time without prior notice.
10.4 Changes made in accordance with this section 10 shall not incur any additional costs for the User.
The law of the Federal Republic of Germany shall apply, to the exclusion of the UN Convention on Contracts for the International Sale of Goods, if (a) the User has their habitual residence in Germany, or (b) the User has their habitual residence in a country that is not a member of the European Union. In the event that the User has their habitual residence in a Member State of the European Union, German law shall also apply, provided that mandatory provisions of the country in which the User has their habitual residence remain unaffected.
12.1 We are neither obliged nor willing to participate in dispute resolution proceedings under the German Act on Alternative Dispute Resolution in Consumer Matters (Verbraucherstreitbeilegungsgesetz, VSBG).
12.2 Should any individual provisions of these Terms and Conditions be invalid, this shall not affect the validity of the remaining provisions of the Terms and Conditions or the contract concluded between marktguru and the User.
12.3 Where Apple is the store operator, the following shall apply in addition:
marktguru and the User acknowledge and agree that Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms and Conditions, and that Apple has the right to enforce these Terms and Conditions against the User following the User’s acceptance of them.
The User represents and warrants that (i) they are not located in a country subject to a US government embargo or designated by the US government as a “state sponsor of terrorism”; and (ii) they are not on any US government list of prohibited or restricted parties.
Users can contact marktguru as follows:
E-Mail: office@bonsy.com
Customer support: hello@bonsy.com
Updated: February 2026, Munich
