Terms of Use

• App or Service: the Quem Deve app (iOS and Android), the quemdeve.com website and related features.
• Account: the individual registration used to access the Service.
• You or User: the person who creates the Account and uses the Service.
• People: the contacts you add in the App to associate with your records.
• Records: entries created in the App — amounts to receive or to pay, descriptions, categories, dates, installments, recurrences, splits and events.
• User Content: all data and materials you enter in the App, including Records, People, notes and photos.
• Free Plan: the no-cost tier, with usage limits and advertising.
• Quem Deve Pro (Pro): the paid tier, with expanded limits and no ads.
• Link: the connection between two Accounts, made by invite, with mirroring of Records.
• Stores: the App Store (Apple) and Google Play (Google).

Quem Deve is a personal annotation and organization tool for amounts to receive and to pay. Records are created unilaterally by users, reflect only the notes of whoever created them and are not verified by Artcode.

For the avoidance of doubt, Quem Deve is not:

• A financial, payment or credit institution: we do not move, hold or intermediate funds; we do not initiate transfers or Pix payments — any Pix key displayed is merely information added by the users themselves.
• A collection service: we do not collect debts on anyone’s behalf; the message feature only helps you draft your own request.
• A credit bureau or registry: nothing is reported to credit protection agencies (such as SPC and Serasa), and the reliability indicator is private, purely informational and has no external validity.
• Legal, accounting or financial advice: the App does not provide advice of any kind.

• Access happens through a code sent to your email or through your Apple/Google account. There is no password: whoever controls your email controls your Account — protect it.
• The Account is personal and non-transferable. You are responsible for all activity carried out through it.
• Notify us immediately of any unauthorized use of your Account.
• We may adopt verification and security measures, including refusing, suspending or limiting access in case of suspected fraud or abuse.

User Content is yours. To operate the Service, you grant Artcode a non-exclusive, royalty-free, worldwide and limited license to store, process, reproduce, display and transmit that content, solely to the extent necessary to provide the Service — including syncing, backups and mirroring to Linked users.

When entering data about other people, you represent and warrant that:

• you have a legitimate relationship with those people (personal, family or business) and obtained their data lawfully;
• your Records reflect, in good faith, your understanding of the relationships noted;
• you will not use the App to expose, embarrass, defame or threaten anyone;
• if you use the App in a business activity (such as tracking customers’ store credit), you are the controller of that data under the LGPD and will comply with the corresponding obligations, with Artcode acting as processor.

Responsibility for User Content — including its accuracy, lawfulness and currency — is exclusively yours. Artcode does not moderate, review or validate Records, but may remove them or suspend Accounts in response to a legal order or signs of violation of these Terms.

The payment-request feature only composes a message and opens it in WhatsApp on your device. Sending is your act, carried out from your number and under your sole responsibility. Artcode does not send messages to third parties on your behalf and is not a party to the relationship between you and the person being charged.

When requesting payment with the App’s help, you undertake to:

• request only amounts you believe, in good faith, to be owed;
• never expose the person to ridicule, embarrassment or threats — abusive collection is prohibited by Article 42 of the Brazilian Consumer Protection Code and may constitute the offense set out in Article 71 of the same Code, in addition to civil liability;
• comply with the LGPD, WhatsApp’s terms of service and all other applicable laws;
• not use the feature for bulk messaging, harassment or abusive insistence.

Breach of this section authorizes the immediate suspension or termination of your Account, without prejudice to any applicable legal measures.

• Linking is always voluntary: it requires an invite sent by one user and accepted by the other.
• Anyone with access to the invite link can see your display name and the invited contact’s name; share the link only with its intended recipient. Invites expire in 7 days.
• By accepting a Link, you authorize reciprocal mirroring: the history of Records between you is copied to the other Account (with the type flipped) and kept in sync — creation, editing and deletion by the author of a Record are reflected in the mirrored copy.
• Records mirrored from the other user remain under their control and may be changed or removed by them at any time — including through the deletion of their account. Keep your own supporting documentation.
• Artcode does not arbitrate disputes between users about the existence, amount or payment of debts. Disagreements about mirrored Records must be resolved directly between those involved.
• To undo a Link, contact support through the channels indicated in the App.

• The Free Plan is subject to usage limits — for example, the number of People, of entries per month, of installments, of fixed bills, of splits, of events and of detailed payment requests.
• Limits are part of the Service’s economic balance and may be adjusted at any time, including remotely and without an app update. The current values are shown in the App itself.
• The Free Plan displays third-party ads (Google AdMob). We do not endorse advertised products and are not responsible for advertisers’ offers.
• We may run A/B tests and feature variations across user groups to evolve the product.

• Pro is purchased exclusively through the Stores (App Store or Google Play), in the tiers offered — for example, monthly, yearly or, when available, a lifetime license (one-time payment). Prices and conditions are those shown in the Store at the time of purchase.
• Automatic renewal: subscriptions renew automatically at the end of each period unless canceled at least 24 hours in advance, in the subscription settings of your Apple or Google account.
• Free trials, when offered, convert into a paid subscription at the end of the trial period unless canceled beforehand.
• Cancellation and refunds follow the Stores’ rules. Cancellation stops the renewal and keeps Pro access until the end of the period already paid. Nothing here removes the 7-day withdrawal right under Article 49 of the Brazilian Consumer Protection Code — to exercise it, use the Store’s channels and, if you need help, contact us.
• Price changes will be communicated through the Stores’ mechanisms; continuing the subscription after the notice implies agreement.
• Lifetime license means access to Pro features for as long as the Service is offered — it is not a guarantee that the App will operate forever (see the section on changes and discontinuation).
• Pro benefits (expanded limits and no ads, among others) may evolve over time, without an unjustified substantial reduction during a period already paid for.

When using Quem Deve, you agree not to:

• use the Service for any unlawful, fraudulent or unauthorized purpose;
• record fictitious debts or use the App as an instrument of embarrassment, extortion, defamation or revenge;
• use the App as a public defaulters registry or disclose Records to expose third parties;
• violate third-party rights, including privacy, image and data protection;
• attempt to access other people’s accounts, systems or data; probe, scan or test vulnerabilities; interfere with the operation of the Service;
• reverse engineer, decompile or disassemble the App, except to the extent permitted by law;
• use bots, scripts, scraping or unauthorized automation;
• circumvent Free Plan limits (including through multiple Accounts) or the subscription mechanisms;
• resell, rent, sublicense or commercially exploit the Service without Artcode’s written authorization.

The App, the website, the Quem Deve brand, logos, design, code, texts and other Service materials belong to Artcode or its licensors and are protected by intellectual property law. We grant you a personal, limited, revocable, non-exclusive and non-transferable license to use the App in accordance with these Terms. No other right is transferred to you.

Suggestions and feedback you send may be freely used by Artcode to improve the Service, without compensation, attribution or any other obligation — with your personal data protected as described in the Privacy Policy.

The processing of personal data in Quem Deve is governed by the Privacy Policy, which describes what we collect, why we use it, who we share it with and how you exercise your rights. We recommend reading it carefully.

• The App is continuously improved and may receive automatic updates, including over-the-air updates. Features may be added, changed or removed.
• We may modify, suspend or discontinue the Service, in whole or in part. For material changes or discontinuation, we will give reasonable advance notice and, where feasible, means for you to consult your Records.
• We do not guarantee uninterrupted availability: maintenance, technical failures, unforeseeable events, force majeure and outages of third-party services (Stores, cloud providers, WhatsApp) may affect access.
• The Service depends on an internet connection.

• By you: you can delete your Account at any time in the App itself (Profile → Account → Delete account), with the effects described in the Privacy Policy — immediate deactivation and permanent deletion after the 30-day grace period.
• By Artcode: we may suspend or terminate Accounts in case of violation of these Terms, fraud, security risk, legal requirement or abusive use, with notice where possible.
• Termination does not extinguish obligations that arose before it. The clauses on intellectual property, warranty disclaimers, limitation of liability, indemnification and governing law survive termination.

To the maximum extent permitted by applicable law, the Service is provided as is and as available, without any warranty that it will meet specific needs, be error-free or operate without interruption.

• We do not warrant that using the App will result in receiving any amount: payment of debts depends exclusively on the relationship between you and the other person.
• We are not responsible for the accuracy of Records — they are created and maintained by users.
• Third-party ads, stores and services are the responsibility of their respective providers.

Nothing in this section excludes warranties that Brazilian law — in particular the Consumer Protection Code — does not allow to be excluded.

To the maximum extent permitted by law, Artcode is not liable for:

• indirect damages, loss of profits, loss of opportunity or damages that do not result directly from a failure of the Service;
• acts and omissions of other users or third parties — including the content of mirrored Records, payment-request messages sent by users and advertisers’ offers;
• decisions made based on Records or on the reliability indicator;
• loss of data caused by unforeseeable events, force majeure or factors beyond our reasonable control;
• unavailability caused by third-party services.

Where such a limitation is permitted by applicable law, Artcode’s total liability related to the Service is limited to the greater of (a) the total amount you paid Artcode in the 12 months preceding the event and (b) BRL 100.00. This section does not exclude or limit liability that cannot be excluded or limited by law, especially in consumer relationships.

You agree to indemnify and hold Artcode harmless from third-party claims, losses, damages, costs and expenses (including reasonable attorney’s fees) arising from: (a) your User Content, including third-party data you added; (b) payment-request messages you sent; (c) violation of these Terms; or (d) violation of law or of third-party rights — always to the extent permitted by applicable law.

We may change these Terms to reflect the evolution of the Service, of the business model or of the law. The current version will always be available on the website, with the update date at the top. Material changes will be communicated with reasonable advance notice through the App or the website. If you do not agree with the changes, you must stop using the Service and may delete your Account; continued use after the changes take effect means agreement.

These Terms are governed by the laws of the Federative Republic of Brazil. For consumer users, the courts of the consumer’s domicile have jurisdiction, as guaranteed by law. For relationships not subject to the Brazilian Consumer Protection Code, the courts of the judicial district of Artcode’s seat, in Brazil, are elected, with waiver of any other, however privileged.

• Entire agreement: these Terms and the Privacy Policy form the entire agreement between you and Artcode regarding the Service.
• Severability: if any provision is held invalid, the remaining provisions remain in full force.
• No waiver: tolerance of any breach does not constitute a waiver of rights.
• Assignment: you may not assign your contractual position; Artcode may do so in corporate transactions, preserving the guarantees of these Terms.
• Stores: Apple and Google are not parties to these Terms and are not responsible for the Service; additional Store rules may apply to purchases.
• Communications: we will contact you through your registered email and through notices in the App or on the website. Reach us at contato@quemdeve.com.
• Language: these Terms were drafted in Portuguese. Translations are offered for convenience and, in case of conflict, the Portuguese version prevails.