Last updated: 28 October 2026
Musina is a free app for recording personal and shared expenses. It is developed and run by Matteo Gottard, an independent developer based in Italy, whom you can contact at info@musina.app. There are no prices, subscriptions, in-app purchases or advertising.
Musina is not a financial service: it does not hold money, does not make payments, does not connect to your bank accounts and does not offer advice. Equivalent values in other currencies are calculated with a public rate and are only indicative. A household's "wallet" is a record of what members declare they have paid in or spent, not an account.
By using Musina you accept these terms and the privacy policy, which explains what data we process and why.
To use Musina you need an account: a verified email and password, or sign-in with Google or Apple. One account per person. You must be at least 18 years old: if we discover an account belonging to a minor we delete it.
You are responsible for keeping your credentials safe and for what is done with your account. If you think someone is using it without permission, reset your password or write to us. You keep your profile data (name, language, currency) accurate and up to date.
A household is a space shared between several people, usually a family or a home. Whoever creates it is its administrator, decides whom to invite and can hand the role over to another member. Members see the name, profile picture and the transactions recorded in the household; administrators also see the other members' email addresses, because they are needed for inviting.
Musina records what members enter and shows it to the others. It does not verify that an expense is real, that an amount is correct or that whoever records it actually paid. Each member is responsible for what they enter. Questions about the accounts between members (who owes what to whom, whether an expense was shared) are a matter between them: Musina does not act as arbiter, does not keep evidence on anyone's behalf and does not intervene in disputes.
Leaving a household does not delete the transactions you recorded: they remain visible to the others, without your name. Deleting your account removes them, with the effects described in the privacy policy. Only the last remaining member can dissolve a household: nobody can erase other people's history with a single action.
The descriptions, categories, and names of households, trips and goals that you enter remain yours. You give us only the technical permission to store them, process them and show them to you and to the members of your households, for as long as you use the service. We do not use them for anything else.
Do not enter content that is unlawful, offensive or that infringes the rights of others, or personal data of third parties that you are not entitled to share. If another member reports content to you, talk to them first: responsibility lies with whoever wrote it.
Musina is for personal and family use. It is not permitted to:
Musina is provided free of charge, "as is" and "as available". We do our best to make it work well, but we do not guarantee continuity, absence of errors or that the data shown is always accurate: an equivalent value, a total or a reminder may be wrong or arrive late. There may be interruptions for maintenance, updates or causes beyond our control, and we may change or remove features.
We encourage you not to entrust Musina with the only copy of important data: from the profile you can export your expenses to CSV. If we were to close the service, we will tell you at least 30 days in advance so that you can export them.
We are liable for damage caused by our wilful misconduct or gross negligence, and for everything the law does not allow us to exclude, including the mandatory protections of the Italian Consumer Code. In other cases, to the extent permitted by law, we are not liable for indirect damage, loss of profits, loss of data that you could have exported, or economic decisions made on the basis of the figures shown by the app, which depend on what you and the other members have entered.
Nothing in these terms limits the rights you are entitled to by law as a consumer.
You can delete your account at any time from the app, in Profile, at no cost and without giving a reason: this also counts as withdrawal. What happens to your data and to shared data is set out in the privacy policy.
We may suspend or close an account that breaches these terms, with at least 7 days' notice by email and the opportunity to respond, except in urgent cases (attacks on the service, abuse against other users, legal obligations) in which we act immediately and notify you afterwards. We may also close accounts inactive for more than 24 months, with 30 days' notice by email.
These terms are governed by Italian law. If you are a consumer, any dispute falls under the jurisdiction of the court of the place where you have your residence or domicile, in Italy or in your European Union country. You may also turn to an alternative dispute resolution body. For those who are not consumers, the competent court is that of the place where the controller is based, in Italy.
We may update these terms. We will notify you of substantial changes in the app or by email at least 30 days before they take effect. If you do not accept them you can delete your account before that date; continuing to use Musina afterwards counts as acceptance. Formal corrections or changes in your favour may take effect immediately. The version in force always shows the date at the top. Version: 28 October 2026.
This is a translation of the Italian text, which prevails in case of discrepancy.