Terms of Use
Effective date: November 1, 2026 Last updated: November 1, 2026
In short: Morgan helps you understand your business finances, but it works from the records you give it, its forecasts are estimates, and you stay responsible for your data and your decisions. Please read the full Terms below.
1. Agreement
These Terms of Use govern your access to and use of Morgan, including morganhq.site and the Morgan application. Morgan is operated from Egypt. By creating an account or using Morgan, you agree to these Terms, our Privacy Policy and our Refund Policy. If you use Morgan on behalf of a business, you confirm that you have authority to bind that business, and “you” then means the business as well as you personally. If you do not agree, please do not use Morgan.
In these Terms, “we”, “us” and “Morgan” mean the operator of Morgan. A Customer is the business that holds a Morgan account, a User is an individual who uses Morgan on a Customer’s behalf, and a Workspace is the private area of Morgan where a Customer’s financial information is held. Customer Data means the financial and business information that a Customer or its Users enter or import into a Workspace, together with the outputs Morgan produces from it.
2. What Morgan does
Morgan is a business financial intelligence service. It organises the financial records you provide, identifies changes and unusual activity in them, forecasts possible future cash positions, and explains the results.
The service has four parts. Financial Core holds your accounts, transactions, invoices, bills and related records. Monitor reviews those records for changes, overdue receivables and patterns worth your attention. Horizon produces forecasts and scenario simulations, which you can save. Morgan Intelligence uses Google’s Gemini models to explain and answer questions about your financial information. Morgan can also produce downloadable PDF reports.
Morgan works from the records you enter or upload. It does not connect to your bank or other accounts on its own, and it does not add transactions or balances to complete your records.
3. Eligibility and accounts
You must be 18 or older, or of legal age where you live, to use Morgan. Morgan is intended for business use.
When you register, you must give accurate information and keep it up to date. You are responsible for keeping your login credentials confidential and for everything done through your account. Tell us promptly at management@morganhq.site if you suspect your account has been accessed without permission.
4. Your responsibilities
You are responsible for the Customer Data you submit. You confirm that you have the right and authority to submit it to Morgan, that it is lawful for you to do so, and that you have given any notices and obtained any permissions required where it concerns employees, clients, contractors, suppliers or other individuals.
Morgan’s outputs depend on your records. You are responsible for the accuracy and completeness of what you enter, for keeping your own copies of your financial records, and for reviewing forecasts, findings and AI explanations before you rely on them. You are also responsible for your business decisions and for complying with the laws that apply to you when you use Morgan.
5. Acceptable use
You may not use Morgan to break the law or to harm others. In particular, you may not:
access or try to access another customer’s information, or any account, system or part of Morgan you are not authorised to use;
bypass access controls, usage limits or subscription restrictions;
interfere with or disrupt Morgan, or probe, scan or test its security without our written permission;
introduce malware or other harmful code;
scrape, extract or copy data from Morgan by automated means, or abuse any interface to it;
share your credentials or let others use your account;
upload data you have no right to use, or use Morgan in a way that infringes anyone’s intellectual property or privacy rights; or
use Morgan for fraud or any unlawful purpose.
6. Your data
You keep all rights in your Customer Data. You give us permission to host, process, copy and display it, and to send relevant parts of it to our service providers, only as needed to provide Morgan to you, including to generate calculations, findings, forecasts, reports and Morgan Intelligence responses. How we handle personal data is described in our Privacy Policy.
Outputs that Morgan generates from your Customer Data, such as reports and saved scenarios, are yours to use for your business.
7. Our rights in Morgan
Morgan, including its software, design, brand and underlying technology, belongs to us and our licensors. We give you a limited, non-exclusive, non-transferable right to use Morgan for your business while these Terms apply. You may not copy, modify, reverse engineer or resell Morgan, or use our name or branding, without our written permission. If you send us feedback, we may use it to improve Morgan without obligation to you.
8. Forecasts and AI
Morgan helps you understand your finances and plan. It is not a bank, accountant, tax adviser, lawyer, investment adviser or other regulated professional, and it does not audit or verify your records. Nothing in Morgan is professional accounting, tax, legal or investment advice, and you should consult a qualified professional for those matters.
Horizon forecasts are estimates built from your records and stated assumptions. Actual results can differ, because records can be incomplete, circumstances change and assumptions do not always hold. We do not guarantee profitability, revenue, cash availability or the outcome of any decision you make using Morgan.
Morgan’s application performs the financial calculations. Morgan Intelligence, which is powered by Google’s Gemini, explains and interprets the results and is not the source of the figures. Its responses can be wrong, incomplete or misleading. Please check anything important before acting on it.
9. Plans, payment and refunds
Morgan offers the following plans:
Plan
Monthly
Annual
Starter
Free
Free
Pro
$49.99
$499
Max
$199.99
$1,499
The features and limits of each plan are as shown on morganhq.site.
If you choose a paid plan, you agree to pay the price shown for that plan and billing option. Paid plans are currently paid by PayPal transfer, and PayPal’s own terms apply to the transfer. If we change a price, the new price will apply only from the next period you pay for, and we will tell you before it takes effect.
Refunds are covered by our Refund Policy, which forms part of these Terms.
10. Third-party services
Morgan relies on third-party providers, including Google for Morgan Intelligence and PayPal for payments. Their services are governed by their own terms, and we are not responsible for how they run their services. Our Privacy Policy lists the providers we use and explains what they receive.
11. Ending your use of Morgan
You can delete your account at any time from your dashboard. What happens to your data afterwards is described in our Privacy Policy. Deleting your account does not by itself entitle you to a refund, as our Refund Policy explains.
We may suspend or close an account if you break these Terms, if your use puts Morgan or other customers at risk, or if the law requires. Where it is reasonable to do so, we will tell you why and give you a chance to put things right first. Provisions that by their nature should continue after your account ends, including Sections 7, 13, 14, 15 and 16, will do so.
12. Changes and availability
Morgan is an early-stage product and will change. We may add, change or remove features. We aim to keep Morgan available, but we cannot promise that it will always be uninterrupted or free of errors.
13. Disclaimers
Except where the law does not allow it, Morgan is provided “as is” and “as available”, and we do not give any warranty that it will be accurate, uninterrupted, error-free or fit for a particular purpose. Nothing in these Terms limits any rights you have under law that cannot be excluded.
14. Limits on our liability
To the extent the law allows, we are not liable for indirect or consequential loss, or for loss of profits, revenue, data or business opportunity, arising from your use of Morgan or from decisions you make using its outputs. To the extent the law allows, our total liability to you for any claim connected with Morgan is limited to the amount you paid us for Morgan in the twelve months before the claim arose. Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law.
15. Your responsibility to us
You are responsible for claims, losses and costs we incur because of Customer Data you had no right to submit, or because of your breach of these Terms, to the extent the law allows.
16. Governing law and disputes
These Terms, and any dispute arising out of or in connection with them or with Morgan, are governed by the laws of Egypt. This does not remove any right you have under mandatory law where you live.
If you have a concern about Morgan, please write to us first at management@morganhq.site so we can try to resolve it informally.
17. General
These Terms, together with our Privacy Policy and Refund Policy, are the whole agreement between you and us about Morgan. If any part of them cannot be enforced, the rest still applies. If we do not enforce a right straight away, we have not given it up. You may not transfer your rights under these Terms without our written permission. We may contact you by email at the address on your account, and you can contact us at management@morganhq.site.
18. Changes to these Terms
We may update these Terms from time to time. We will post the updated version on this page with a new last-updated date, and we will notify account holders of material changes. If you keep using Morgan after a change takes effect, you accept the updated Terms.
19. Contact
For questions about these Terms, write to management@morganhq.site.