Disclaimer
Last updated: October 2026 · MAXNOVA & LUCI Global LLC
MOY IQ is a personal finance organization tool. It is not a financial advisor, bank, broker or tax consultant.
What MOY IQ is
MOY IQ is an app for organizing, tracking and learning about your personal finances. It lets you record and categorize income and expenses, set monthly budgets, track debts and savings goals, see your financial situation in one place and export your data.
Not financial advice
Nothing in MOY IQ is financial, tax, accounting, legal or investment advice. The signals generated by MOY IQ Coach and Advisor Mode are for guidance only and are based on the data you enter. They don't replace the judgment of a certified professional.
No guaranteed results
MAXNOVA & LUCI Global LLC does not guarantee financial results of any kind. The projections, alerts and signals the app shows are mathematical estimates based on the historical data you entered. They don't account for external factors such as market changes, future inflation or changes in employment, and they don't predict market behavior.
Tax tools
The country-specific tax tools (for example, 401(k) tax savings in the US) are educational estimates based on published rules and limits. They are not tax advice and do not replace a tax professional or the official calculation from your tax authority.
Your responsibility
You are solely responsible for the financial decisions you make based on what MOY IQ shows. Consult a certified professional before making significant financial decisions.
For advisors and professionals
If you are a financial advisor, coach, accountant or educator using MOY IQ alongside your professional service, you are responsible for explaining the nature of the tool to your clients, for not presenting MOY IQ as a substitute for professional advice, and for complying with the regulations that apply in your jurisdiction.
Local data
Data is stored locally on your device. Unless you turn on the optional sync (see the Privacy Policy), MAXNOVA & LUCI Global LLC has no access to it and cannot recover it if you lose it without a prior backup.