Terms of Service

1. Acceptance of Terms

By accessing or using Dinero Claro (“App”), you confirm that you have read, understood, and agree to be bound by these Terms of Service and any policies referenced herein. If you do not agree, do not access or use the App. We may update these Terms from time to time, and the “Last updated” date will reflect the effective version. Your continued use of the App after a change becomes effective constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

2. Service Description

Dinero Claro is a personal finance management application that may allow users to track expenses, create budgets, set savings goals, organize financial information, and receive automated analytics or insights based on user-provided data. The App is not a bank, broker-dealer, investment adviser, money transmitter, tax adviser, or law firm, and it does not provide personalized legal, tax, investment, or financial advice. Any insights, summaries, forecasts, or suggestions generated by the App or any AI features are provided for informational and educational purposes only and may be inaccurate, incomplete, or outdated.

3. Eligibility and Accounts

You must be at least 13 years old to use the App, and if you are located in a jurisdiction where a higher minimum age applies for contract formation, consent, or data processing, you must satisfy that higher requirement. The App is not intended for children under 13, and we do not knowingly collect personal information from children under 13. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You agree to provide accurate, current, and complete information and to promptly update it when it changes.

4. Subscriptions and Billing

The App may offer both free and paid subscription plans, including monthly and annual auto-renewing subscriptions. Subscription fees, billing intervals, renewal terms, trial terms, taxes, and cancellation mechanics will be disclosed at the point of purchase and may also be governed by the applicable app store policies. If we change subscription pricing, we will provide advance notice and, where required by applicable law or app store policy, obtain any required consent before the change takes effect. Unless required otherwise by law or the applicable app store, payments are non-refundable once processed.

5. Acceptable Use

You agree that you will not: use the App for unlawful, fraudulent, or deceptive purposes; attempt to access data, accounts, or systems without authorization; interfere with, probe, scan, or test the vulnerability of the App or its infrastructure; reverse engineer, decompile, or disassemble the App except to the extent such restriction is prohibited by law; transmit malware, viruses, or harmful code; use bots, scraping tools, or automated means to extract data; create multiple accounts to evade restrictions; or misuse AI features, APIs, notifications, or rate-limited services. We may investigate and suspend or terminate accounts for suspected violations.

6. Financial and AI Disclaimer

7. Intellectual Property

The App and all associated software, designs, text, graphics, logos, trademarks, features, and related intellectual property are owned by Dinero Claro or its licensors and are protected by applicable intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable, and non-sublicensable license to access and use the App solely for lawful personal or internal business use, as applicable to the plan you purchased.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US FOR THE APP OR APPLICABLE SERVICE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) USD $100. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

9. Indemnification

You agree to indemnify, defend, and hold harmless Dinero Claro, its affiliates, officers, directors, employees, contractors, and agents from and against any third-party claims, liabilities, damages, losses, fines, penalties, and reasonable attorneys’ fees arising out of or related to: (a) your use of the App in violation of these Terms; (b) your content or data; (c) your breach of any representation or warranty you make; or (d) your violation of any law or third-party right. This indemnity does not apply to the extent a claim arises from our gross negligence, willful misconduct, fraud, or violation of law that cannot legally be shifted to you.

10. Dispute Resolution & Arbitration

Before filing an arbitration claim, each party agrees to send the other a written notice describing the dispute and to attempt in good faith to resolve it informally for at least 30 days. If the dispute is not resolved, it will be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its applicable consumer or commercial rules, as determined by the AAA and the nature of the dispute. The arbitration will take place in Charlotte, North Carolina, unless the parties agree otherwise or applicable law requires a different location. You and Dinero Claro waive the right to a jury trial and to participate in a class, collective, or representative action to the fullest extent permitted by law. For consumer claims under USD $10,000, Dinero Claro will pay the filing fees and any forum fees required by the applicable AAA rules, unless the AAA rules or applicable law provide otherwise.

11. Governing Law

These Terms and any dispute arising from them will be governed by the laws of the State of North Carolina and, to the extent applicable, the Federal Arbitration Act, without regard to conflict-of-law principles. If you are a consumer who resides outside the United States, you may have mandatory rights under your local law that cannot be waived by contract, and nothing in these Terms is intended to waive such non-waivable rights.

12. Termination

We may suspend or terminate your access to the App, with or without prior notice, if we reasonably believe you have violated these Terms, created risk, engaged in fraud, or used the App in a way that could harm other users, the App, or our systems. You may delete your account through the App or by contacting support if self-service deletion is unavailable. Sections that by their nature should survive termination, including intellectual property, limitation of liability, indemnification, dispute resolution, and governing law, will survive.

13. Contact

For questions about these Terms, contact us at contact@dineroclaro.app. If you also maintain separate privacy or legal contacts, list them only if they are actively monitored and accurate. You should keep a valid mailing address and a current support channel available to users.