TERMS OF USE AND PRIVACY POLICY
These Terms and Conditions of use and Privacy Policy refer to the services offered by Finvibe on any of its platforms, website or technical support.
Finvibe is your personal financial management platform, to always have your finances in the palm of your hand, simply and quickly.
The User's use of the Platform is regulated by these Terms and Conditions of Use and Privacy Policy, which is why we recommend reading them in full, as acceptance of the Terms is mandatory for registration and use of the Platform.
1. DEFINITIONS ADOPTED IN THESE TERMS
For the purposes of these Terms and Conditions of Use and Privacy Policy, the following must be considered:
- User: natural person with an active registration on Finvibe.
- Platform: Finvibe's web and mobile digital space where the User can make use of the features offered, depending on the plan chosen.
- Services: Any and all services and functionality offered by Finvibe on the Platform, available to Users.
2. FINVIBE SERVICES
2.1 Finvibe is an online platform where you have access to a simplified way of organizing and managing your personal finances.
2.2. Finvibe is only intended for natural persons for private and non-economic purposes, and its use for other purposes is prohibited.
2.3 Finvibe may make paid products such as subscriptions, purchases and other services available on its platform. Subscription to these services will be entirely optional on the part of the User. The duration and value of the paid services available may vary according to different commercial and promotional conditions, with monthly or annual subscription plans being offered by default. In addition to these, Finvibe reserves the right to offer plans, services and products in other formats and models.
2.4 All relevant information about the costs and duration of any service on the platform will be transparently communicated to the User, so that they can choose whether or not to purchase the services offered.
3. HOW TO CONNECT
3.1 To register with Finvibe, the User must fill in all the mandatory information requested during Registration, read and agree to these Terms and Conditions of Use and Privacy Policy and provide consent for data collection.
3.2 The User will not be charged any amount to download the application and register with Finvibe. However, Finvibe reserves the right to limit the User's access to certain functionalities and parts of the platform through the purchase of a subscription or other services, as per clause 2.3.
4. ABOUT THE PREMIUM TRIAL PERIOD
4.1 Finvibe has the right to make different versions of the application available to subscribed and non-paying users. The paid version of the application will be referred to in this term as the Premium Version.
4.2 Finvibe reserves the right to eventually grant the non-paying User access to the Premium Version features for a limited period of time (“Trial Period”).
4.3 During this Trial Period, the User will not be charged for Premium features, with billing starting only after the end of the trial period.
4.4 After the end of the Trial Period, the value of the Plan contracted by the User will be automatically charged through the App Store or Play Store.
4.5 The User may cancel the subscription before the end of the Trial Period and the start of billing, if desired. In this case, Premium features will be immediately interrupted after cancellation.
5. ABOUT THE PREMIUM VERSION
5.1 If the User chooses to subscribe to the premium plan, subscriptions will be automatically renewed at the end of each billing cycle, whether monthly, annual or another period. The User may stop using the subscription by canceling the services on the Play Store or Apple Store.
5.2 The User may use their access to the platform to check their subscription information, including values, renewal date and any updates from Finvibe. Through the platform, they will also be able to view and contract other plans and services, change payment details and other features.
5.3 If Finvibe subscription prices are changed, the User will be informed in advance through the available channels. If the user continues to use and enjoy the paid features of the platform after renewing the subscription period, this will be assumed as acceptance of the new values.
6. SUBSCRIPTION CANCELLATION
6.1 If the User wants to cancel their subscription, they must do so through the Play Store or Apple Store. The User is guaranteed cancellation of the purchased plans or services at any time. In the case of canceling subscription plans, the cancellation will always be applied to the next subscription period onwards, without the possibility of refunds for subscription periods already completed or in progress.
6.2 If cancellation is requested after the period of test, there will be no refund, and the User's access to the Premium Version will be maintained until the end of the contracted period, ceasing billing and access to paid features. only at the end of the contracted cycle.
6.3 Renewal of monthly or annual plans will occur automatically at the end of the last contracted period, whether month or year, until canceled by the User. As the plan is annual, renewal will occur at the end of the 1-year period. To avoid being charged, the User must cancel the renewal at least 1 day before the renewal date.
7. TERMS OF USE
7.1 Finvibe is intended for and only accepts registration from people over 18 (eighteen) years of age. Our services are not directed to minors and we do not knowingly collect Personal Information from minors.
7.2 The User, by accepting the Terms of Use, confirms that any registration information sent is true, accurate and complete. Finvibe will not be held responsible for any damage caused by providing incorrect information at the time of registration or during use of the platform.
7.3 When using the Services, registered Users undertake to respect applicable legislation and these Terms and Conditions of Use and Privacy Policy.
8. PROHIBITED CONDUCTS
8.1 The User undertakes not to:
8.2 Perform any type of illegal, immoral act that may violate applicable legislation;
8.3 Violate third party rights or Finvibe rights;
8.4 Make available or allow access to illegal, violent, pornographic content or any other act contrary to law and public order;
8.5 Induce or practice any act of discrimination or incite hatred against people and/or groups of people based on nationality, race, religion, sexual orientation, gender, physical condition, nationality, among other acts that contravene public order and applicable legislation;
8.6 Violate the intellectual property rights of Finvibe or a third party and the User does not have prior authorization to use it;
8.7 The User undertakes to always use the Platform in an honest, ethical manner, in compliance with good customs and in accordance with the law, the Terms and Conditions of Use and the Privacy Policy.
8.8 Finvibe may immediately delete and/or suspend the User's access in case of suspected non-compliance with applicable legislation or these Terms and Conditions of Use and Privacy Policy, as well as proceed with the cancellation of their subscription or other service that the User have purchased.
9. FINVIBE OBLIGATIONS
9.1 Finvibe's obligations are limited to guaranteeing the functionality and security of the Platform, as well as maintaining access to available services for as long as possible, except in the case of events beyond our control.
9.2 Finvibe's responsibility
9.3 Finvibe is not responsible for the financial conduct and expenses of Users, whether inside or outside the Platform, as it is just a personal financial management application, without any promise or guarantee of results. Any financial gain or loss on the part of the user after registering on the platform will be their sole and exclusive responsibility.
9.4 Finvibe may use the user's financial information to provide financial management tips, personal and family budget recommendations and ideas on how the user can improve their finances. The adoption of these suggestions is entirely optional on the part of the user and is not an imposition on the part of the platform. Finvibe will not be responsible, in any way, for any decisions made by Users based on the data, suggestions and information provided by the Platform. Finvibe will also not be responsible, in any way, for the financial consequences of these decisions made by the User.
10. USER OBLIGATIONS
10.1 The User undertakes not to disclose their login and password to third parties, nor allow the use of such information by third parties, since all activities carried out with their login and password will be their responsibility.
10.2 The User agrees to the use of the information provided, as described in the data processing and privacy section of this term.
10.3 You are solely responsible for the data and information entered into your account, and Finvibe is not obliged to verify or certify the veracity of the data provided.
11. USE OF THE PLATFORM
11.1 Finvibe will be available for access 24 (twenty-four) hours a day, every day of the week. Access to the Platform, however, may be interrupted due to scheduled maintenance, testing, or possible problems and delays caused by the technology used.
11.2 Finvibe will not be held responsible for any technical or operational failures that impair or make the use of the Platform impossible for a certain period of time, as such failures may occur and are expected due to the use of technology.
12. INTELLECTUAL PROPERTY
12.1 Any and all information, data, presentations or any other materials presented on the Platform belong exclusively to Finvibe.
12.2 The User does not acquire, through the Terms and Conditions of Use and Privacy Policy, any intellectual property rights or other exclusive rights, including patents, designs, trademarks, copyrights or rights to confidential information or business secrets, about or related to the platform, as well as the database made up of User data, which is the exclusive property of Finvibe.
12.3 Any and all content made available on the platform, whether by Finvibe or its Users, as well as any and all databases constituted belong exclusively to Finvibe and are protected by applicable legislation, especially with regard to intellectual property and copyright.
12.4 As the owner of the intellectual property of the aforementioned database, Finvibe may use it freely and in the way that best suits its interests.
13. ASSISTANCE AND COMMUNICATION
13.1 E-mails sent by Finvibe will be considered delivered and read, and Finvibe is not responsible for any delays in reading or official e-mails sent to the spam folder.
13.2 For any clarification or questions about the Platform and/or available Services, simply contact us via email suporte@finvibe.app
14. DATA PROCESSING AND PRIVACY
14.1 Finvibe is committed to protecting the privacy and security of its users' personal information, in compliance with Brazil's General Data Protection Law (LGPD), the European Union's General Data Protection Regulation (GDPR) and other applicable personal data protection legislation.
14.2 When registering on the Finvibe app, we collect basic information such as name, email, telephone number, password and other relevant information provided by the user. We use this information to create and manage your account and provide our services. In addition, we also store your IP address, timestamp of when and from where you register with us, and information from which device you are accessing. Also, our services may change over time and we may introduce new features that may collect new or different types of information.
14.3 We may use the information we collect from your account to personalize your user experience, improve the overall quality of the platform services, improve our website and application, respond to customer support requests, monitor the investigation of bugs or failures in your account, and develop new features and services.
14.4 We may use any information you provide to us in the email conversation or in surveys you complete for us and combine it with responses from other customers to better understand our services and how we can improve them.
14.5 In addition to the above, we may disclose information related to Users if such action is required by government bodies, regulatory agencies and any other case necessary to comply with the law, such as legal proceedings.
14.6 Finvibe reserves the right to collect and store information about expenses, income, transactions and other financial information that users enter into the application. We can also collect financial data automatically if the user connects their account on the platform and their bank accounts, with explicit acceptance from the User and through partner suppliers.
14.7 Finvibe may use the User's account and transaction data to perform personalized analyzes of the state of the User's finances, offer insights and recommendations and help optimize the management of personal finances.
14.8 Finvibe reserves the right to contact the user via email, Whatsapp, push, SMS and other communication channels to provide information about products, services, updates, offers, financial tips and promotions related to Finvibe and its partners.
14.9 Finvibe may share its users' information anonymously with potential business partners, for the purposes of research, development and improvement of products and services. In this case, the shared data will not allow the direct or indirect identification of users, unless authorized by the User with explicit acceptance.
14.10 Finvibe employs appropriate diligence and measures to safeguard users' personal information against unauthorized access, use, alteration, disclosure or destruction of data. However, it is imperative to emphasize that no system is infallible and, although we make efforts to protect your information, Finvibe cannot be held responsible in the event of any exposure or violation of access to an account, especially if caused by the User's negligence in relation to the security of your personal account.
14.11 The User will be able to view and edit their account and transaction data. This data is essential so that Finvibe can provide the proper functioning of its application and other services while the User's account is active.
14.12 The User is given the option, within the application, to delete their Finvibe account. To do this, he must follow the procedure indicated in the application. Deleting the account will permanently and irreversibly delete all data related to the user and their account. After deletion, to use Finvibe again the User must register again.
14.13 You can contact us to obtain more information and resolve any doubts about our terms. If you do not agree with them, uninstall the application and stop using our services immediately. Your continued use of our Applications/Services will signify your acceptance of our Terms and Conditions of Use and Privacy Policy.
15. ACCEPTANCE
15.1 By using the Finvibe platform, the User accepts and agrees with all terms and conditions that are in force on the date of consent.
15.2 By accepting these Terms, the User also agrees that it is their sole responsibility to keep their registration data updated, and to ensure the protection and privacy of their access password.
15.3 Please be aware that these Terms and Conditions of Use and Privacy Policy may be modified at any time by Finvibe, due to changes in legislation or in the Services due to the use of new technological tools or, also, whenever, at Finvibe's sole discretion , such changes are necessary.
15.4 Users will be duly notified regarding changes made to the Terms and Conditions of Use and Privacy Policy, however, changes do not depend on User acceptance to take effect, coming into force immediately after updating on the platform.
15.5 Finvibe may, at its sole discretion, suspend, modify or terminate the platform's activities, upon prior communication to the User, except in the event of an act by a competent authority, unforeseeable circumstances or force majeure.
15.6 Any clause or condition of these Terms and Conditions of Use and Privacy Policy that may eventually be considered null or ineffective by a court, law or court will not affect the validity of the other clauses and conditions.
15.7 The forum is elected in the State of Delaware, United States of America, to resolve any conflicts that these Terms and Conditions of Use and Privacy Policy may give rise to, the parties renouncing any other forum, however privileged it may be or may seem.