Reshta Get the app

Terms of use

Last updated: 1 August 2026

The short version. Reshta is a tool for writing down where your money goes. It is not a bank and it is not financial advice — every number in it is one you typed, and it is up to you to check them. The core is free; an optional subscription removes the free plan's limits. Your records are yours: export them whenever you want, delete them whenever you want.

1. Who I am

Reshta is built and run by one person: Mykyta Soloviov, based in the United States — [email protected]. In this document “I” and “Reshta” mean the same thing, and “you” means anyone who uses the Reshta app or this website. Every privacy question or request goes to that email address and reaches me directly.

2. Your account

  • Use a real email address you control — you need it to verify your account and reset your password.
  • Keep your password to yourself. Anything done through your account is treated as done by you.
  • One account per person. Do not share an account, and do not use someone else's.
  • Email me if you think someone else has got into your account.

Your units, transactions and tags are stored under a household. Sharing a household with another person is not available yet — there is no way to add a second member, so your household is you alone and nobody else can reach your records. If I add sharing, I will update these terms before it goes live.

3. What Reshta is, and what it is not

Reshta is a place to record and look at money you have already spent, earned or moved. That is all it does.

  • Not a bank and not a payment service. It holds no money, moves no money, has no connection to your bank, and never asks for your banking details.
  • Not financial, tax, accounting, investment or legal advice. Nothing in the app is a recommendation about your money. If you need advice, speak to a qualified professional.
  • It does not check your numbers. Every unit, amount and note comes from you. Type the wrong figure and Reshta will faithfully show you the wrong figure.
  • Not your only record. It is not an accounting system and meets no tax, audit or bookkeeping standard. Keep your statements, receipts and official records.
  • Currency conversions are indicative only. Rates come from a third party and are refreshed periodically; they will not match what your bank or card actually gives you. Never use a converted figure for a real transaction, a tax return or any official purpose.
  • An export is not an official record either — it holds exactly what you typed, with exactly the same limits.

4. Your records stay yours

The units, transactions and tags you enter are yours. I do not claim ownership of them, and I do not sell them or use them for advertising. To run the service I need your permission to store, back up and display them; that permission covers nothing but operating Reshta and ends when you delete your account.

You can take a copy whenever you like. Settings › Data › Export Data builds a ZIP holding two CSV files — every unit, including deleted ones, and every transaction you have ever recorded — and hands it to your phone's share sheet. It is free on both plans, built fresh each time, never kept on my server, and rate-limited, so tapping repeatedly will make it wait a moment. Once the file leaves the app it is an ordinary file: not encrypted, not password-protected, and yours to look after.

The app itself — its code, design, name and logo — belongs to me. These terms let you use Reshta; they give you no ownership of it. You may not copy, resell, rent out or rebrand it, or take it apart to derive its source code, except so far as the law of your country gives you that right anyway.

5. What you must not do

  • Break the law with Reshta, or use it to record, plan or hide anything illegal.
  • Try to reach another person's account or another household's records.
  • Attack, overload or interfere with the service, including its rate limits and other protections.
  • Probe the service for weaknesses without asking me first. If you find a security problem, tell me — I welcome that and will not come after anyone who reports one responsibly and in good faith.
  • Use bots or scrapers against the API, or build another product on top of it, without my written permission.
  • Upload anything unlawful or infringing, pretend to be someone else, or sign up on someone's behalf without their agreement.

6. What Reshta costs

The Free plan costs nothing and allows a limited number of cards per category — currently 5. Cards over the limit are never hidden or deleted: you can still open them and read their history, they just can't be used in new transactions, and you can reorder your cards to choose which stay active. I may change the free plan's limits as Reshta develops; the current limit is always shown in the app, and I will give notice in the app or by email before reducing it. Exporting your data is free for everyone on either plan.

The Reshta Subscription removes the card limit. It is an auto-renewing subscription bought through Apple's In-App Purchase:

  • Monthly — $1.99 for 1 month.
  • Annual — $11.99 for 1 year.

Prices are in US dollars; outside the United States Apple charges the equivalent for your region in your local currency. The exact price, the length of the plan and any free trial are always shown in the app before you confirm.

  • Payment is charged to your Apple Account on confirmation, and renews automatically unless you cancel at least 24 hours before the current period ends. Where a plan starts with a free trial, its length is shown beforehand and it renews at the shown price unless you cancel in time.
  • Manage or cancel it under Settings › your name › Subscriptions, or from Manage Subscription in the app. Deleting the app, or your Reshta account, does not cancel it.
  • After cancelling, the subscription runs to the end of the period you paid for, then the account returns to the Free plan. Nothing is deleted.
  • Apple is the seller. Refunds, and any statutory cancellation or withdrawal right you have as a consumer, are handled by Apple, not by me — see reportaproblem.apple.com.
  • The subscription belongs to your Apple Account, not your Reshta account. It works on devices signed in with that Apple Account and supports Family Sharing. Your Apple family and your Reshta household are separate things.
  • I may hand out offer codes for free or discounted access; Apple's rules for those apply. If a price changes you will be told in advance under Apple's rules, and never charged more without warning.

7. Availability and changes

Reshta is made by one person and is early software. I do not promise it will always be available or free of faults. It may be down for maintenance or because something broke, and features may be added, changed or removed as it develops. If I ever have to shut it down for good, I will give you reasonable notice by email so you can export your records first.

8. Ending your account

You can delete your account inside the app at any time, and you need no reason. Deletion is immediate and permanent — no grace period, no undo — so export anything you want to keep first. The privacy policy explains exactly what is erased. If you have a subscription, deleting your account does not cancel it; cancel it with Apple as described above.

I may suspend or close an account that is being used to break these terms or the law, that puts the service or other people at risk, or where I am legally required to. Unless the law stops me or there is a serious and immediate risk, I will tell you why and give you a chance to put it right.

9. “As is”, and limits on my responsibility

Reshta is provided as it is and as available, without warranties of any kind, stated or implied. I do not warrant that it will be uninterrupted, error-free, secure against every threat, or that any figure it displays is accurate or fit for a particular purpose.

To the extent the law allows:

  • I am not responsible for money you lose, decisions you make, or opportunities you miss because of something you saw — or did not see — in Reshta.
  • I am not responsible for indirect or consequential losses, lost profits or savings, or loss of data beyond what the privacy policy describes.

10. Odds and ends

  • I may update these terms as Reshta changes.
  • Questions go to [email protected]. It reaches me directly.