Terms of Service
Last updated: January 22, 2026
Welcome to moedas.app
These Terms of Service ('Terms') govern your use of the moedas.app platform ('Service', 'Platform', 'we', 'our'). By accessing or using moedas.app, you agree to be bound by these Terms. If you do not agree, you should not use our Service.
1 Service Description
moedas.app is a personal finance platform that helps you plan and control your monthly budget. Our services include:
- Create and manage monthly budget scenarios
- Track expenses by category
- Set allocation targets for income
- Share budgets with household groups
- WhatsApp integration for expense logging and monthly reports
2 User Accounts
Registration
To access certain features, you need to create an account. When registering, you agree to:
- Provide true, accurate, and up-to-date information
- Maintain the confidentiality of your access credentials
- Notify us immediately of any unauthorized use of your account
- Be responsible for all activities that occur under your account
Eligibility
You must be at least 18 years old to use moedas.app. By creating an account, you confirm you have the legal age to enter into a binding contract.
Account Security
You are responsible for maintaining the security of your account. We recommend using strong and unique passwords. moedas.app will not be responsible for losses resulting from unauthorized use of your account.
3 Subscriptions and Payments
Subscription Plans
moedas.app offers free and paid plans. Paid plans unlock premium features such as unlimited scenarios, group budgets, and WhatsApp integration.
Billing
- Subscriptions are billed monthly at €2.99/month
- Payments are securely processed through Stripe
- Subscriptions automatically renew until cancelled
- Prices may change with 30 days prior notice
Refunds
Payments are generally non-refundable, except when required by law. If you cancel your subscription, you will retain access to premium features until the end of the paid billing period.
Cancellation
You can cancel your subscription at any time through account settings or the billing portal. Cancellation takes effect at the end of the current billing period.
4 Acceptable Use
By using moedas.app, you agree NOT to:
- ✕ Use the Service for any illegal or unauthorized purpose
- ✕ Scrape, copy, or replicate our database or application
- ✕ Interfere with or disrupt the integrity or performance of the Service
- ✕ Attempt to gain unauthorized access to systems or user data
- ✕ Use bots, scripts, or unauthorized automated methods
- ✕ Upload viruses, malware, or malicious code
Violation of these rules may result in immediate suspension or termination of your account.
5 Privacy and Personal Data
Your privacy is important to us. The collection, use, and protection of your personal data are governed by our Privacy Policy.
By using moedas.app, you consent to the collection and use of your data as described in the Privacy Policy, including:
- Account information (email, username)
- Financial data you enter (income, expenses, allocations)
- WhatsApp number (if provided)
- Payment information (processed through Stripe)
We comply with the European Union's General Data Protection Regulation (GDPR).
6 Intellectual Property
The moedas.app Service, including all content, software, design, code, logos, and trademarks, are the property of moedas.app and are protected by Portuguese and international intellectual property laws.
License of Use
We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for personal and non-commercial purposes, in accordance with these Terms.
Restrictions
You may not:
- Modify, copy, distribute, or create derivative works of the Service
- Reverse engineer or decompile the software
- Remove copyright or proprietary notices
- Use the Service for commercial purposes without express authorization
7 Disclaimer
IMPORTANT NOTICE
The Service is provided 'AS IS' and 'AS AVAILABLE', without warranties of any kind.
moedas.app does not guarantee that:
- The Service will be uninterrupted, secure, or error-free
- Defects will be corrected
- The Service or its servers are free of viruses or harmful components
We disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.
8 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MOEDAS.APP WILL NOT BE LIABLE FOR:
- Indirect, incidental, special, consequential, or punitive damages
- Loss of data, profits, or financial decisions made based on the Service
- Business or personal financial interruption
- Actions or omissions of third parties (payment processors, WhatsApp)
Our total liability will not exceed the amount you paid for the Services in the last 12 months, or €50, whichever is less.
9 Termination
By You
You may close your account at any time through account settings or by contacting us. Closure does not result in a refund of fees paid.
By Us
We reserve the right to suspend or terminate your account and access to the Service, at our sole discretion, without prior notice, for any reason, including:
- Violation of these Terms
- Fraudulent or illegal behavior
- Prolonged inactivity
- At the request of legal authorities
Effects of Termination
After termination, your right to use the Service will cease immediately. We may retain data as required by law or for legitimate business purposes.
10 Changes to Terms
We reserve the right to modify these Terms at any time. Changes will take effect immediately upon posting on the website.
For material changes, we will attempt to notify you by email or through a notice on the Service. Continued use of the Service after changes constitutes acceptance of the new Terms.
We recommend reviewing these Terms periodically to stay informed of any changes.
11 Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of Portugal.
Any dispute related to these Terms or the Service will be subject to the exclusive jurisdiction of the Portuguese courts, based in Viana do Castelo, Portugal.
We respect the rights you may have under European Union consumer protection laws.
Contact
If you have questions about these Terms of Service, please contact us:
Email: suporte@moedas.app
Address: Viana do Castelo, Portugal
By using moedas.app, you agree to these Terms of Service and confirm that you have read our Privacy Policy.
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