Terms of Use — Who Owes

1. Acceptance of Terms

By downloading, installing or using the Who Owes app ("App"), you agree to these Terms of Use. If you do not agree, do not use the App. Continued use after changes constitutes acceptance of the new version.

2. Description of Service

Who Owes is a personal finance control app that allows you to:

• Register people (name, contact, notes and, if authorized, link to device contacts).
• Record transactions (amounts you owe or are owed), with due date, installments and fixed/recurring payments.
• Track totals ("owed to me" and "I owe") and payment status.
• Send reminders or collection messages via WhatsApp (when you use this feature), with the option to include PIX key.
• Manage profile (display name, photo, PIX key).

Data is for personal use and does not replace legal instruments (contracts, formal receipts, etc.).

3. Registration and Account

You must create an account (email and password or Apple Sign In) to use the main features.

You are responsible for keeping your access confidential and for all activity on your account.

The App may offer a free plan with usage limits (number of people, transactions, installments and fixed payments) and a paid plan (Who Owes Pro) with expanded features. Free plan limits may be changed with notice in the App or by other reasonable means.

4. Subscription and Payments (Who Owes Pro)

Pro plan subscriptions and purchases are processed by the stores (Apple App Store / Google Play) and payment providers (e.g. RevenueCat). Billing, refund and cancellation rules follow store and payment method policies.

The App may change prices, Pro benefits or offer conditions, effective for renewals or new subscriptions, with advance notice when required by law.

5. Acceptable Use

You agree to:

• Use the App only for lawful purposes and in accordance with these Terms and the law.
• Provide accurate information and update it when necessary.
• Not use the App for harassment, abusive collection, fraud, spam or violation of third-party rights.
• Respect the intellectual property rights of the App and third parties.

Violation of these rules may result in use restriction, deactivation or account deletion, without prejudice to other legal measures.

6. Content and Responsibility

Data you enter (people, transactions, amounts, collection messages) is your responsibility. The App acts as an organization tool and does not guarantee that third parties will pay or acknowledge debts.

Sending messages via WhatsApp is done by you; you are responsible for the content and compliance with WhatsApp rules and the law (including data protection and collection practices).

7. Privacy and Data

Personal data processing is governed by the Privacy Policy. By using the App, you agree to it.

Data is stored on third-party infrastructure (e.g. Supabase, Firebase). Technical and organizational measures are adopted as described in the Privacy Policy.

8. Account Deactivation and Deletion

You may deactivate your account in the App settings. After the grace period indicated in the App (e.g. 30 days), account data may be permanently deleted.

In certain situations (Terms violation, legal order or service policy), deactivation or deletion may be performed by the App owner.

After deletion, data recovery is not guaranteed.

9. Advertising

Free plan users may see ads in the App (e.g. Google Mobile Ads). Identifiers and data may be used for ad display, as set out in the Privacy Policy and device permissions (e.g. ATT on iOS).

10. Availability and Changes

The App is provided "as is". There may be unavailability, errors or feature changes. There is no guarantee of uninterrupted availability.

The App owner may modify, suspend or discontinue the service or parts of it, with notice when reasonable and when required by law.

11. Intellectual Property

The App, its "Who Owes" brand, layout, code and materials provided by the service are protected by copyright and other intellectual property rights. Nothing in these Terms grants you rights over these assets beyond the permitted use of the App.

12. Limitation of Liability

To the extent permitted by applicable law, the App and its providers are not liable for: (a) decisions made based on App data or reports; (b) third-party default; (c) misuse of the App or features (e.g. WhatsApp, PIX); (d) data loss, profits or indirect damages; (e) network, store or third-party failures. In no case shall total liability exceed the amount you paid to the App in the last 12 months (or the equivalent of R$ 100, if lower).

13. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federative Republic of Brazil. Any disputes shall be submitted to the courts of the consumer user's domicile, with waiver of any other, however privileged.

14. Contact

Questions about these Terms: email or contact form available in the App or in the store.

For privacy and personal data matters, see the Privacy Policy and the channels indicated therein.