Norteia Terms of Use

These Terms of Use govern the use of the Norteia app and service ("Norteia" or the "Service"). By creating an account or using Norteia you state that you have read and agree to them. If you do not agree, do not use the Service.

1. Who provides the Service

Norteia is provided by Jefferson Cerqueira de Oliveira, an individual, who acts as the provider of the Service and as the controller of the personal data processed in it ("we"). The contact for anything related to these Terms, the Service and privacy is support@norteia.app.

2. What Norteia is

Norteia is a tool to organize the cash flow of individuals and small businesses: you enter accounts, categories, transactions and goals, and the app shows summaries, reports and dashboards built from that data. The financial data is entered by you. Norteia does not connect to banks or financial institutions and does not move money.

3. Registration and account

• You must be at least 18 years old and legally able to accept these Terms.
• You must provide true information and keep it up to date.
• You can sign in with an email and password or with a Google account. You are responsible for keeping your password and your device secure and for everything that happens in your account.
• Tell us immediately at the contact email if you suspect your account is being misused.

4. Acceptable use

You agree not to: (a) use the Service for illegal or fraudulent purposes; (b) try to access accounts, data or systems that belong to others; (c) interfere with how the Service works, including load testing, automated scanning or reverse engineering, except where the law allows it; (d) submit content that infringes the rights of others or the law.

5. Paid plans and subscriptions

• Some features require a paid subscription. The price, period and features of each plan are shown in the app before you subscribe.
• The purchase is made through the Apple App Store or Google Play, and billing, automatic renewal and cancellation follow the rules of the store you used. Subscription management is supported by the RevenueCat service.
• To stop being charged, cancel the subscription in the store itself. Deleting your Norteia account does not cancel the subscription.
• Refunds and withdrawal rights (for example the 7-day period of article 49 of the Brazilian Consumer Defense Code, where applicable) are handled according to the law and the policies of the store where you bought.

6. Your data and content

The data you enter in Norteia remains yours. You authorize us to store and process it only to operate the Service for you, as described in the Privacy Policy. You can export your transactions and delete your account at any time, in the app.

7. Intellectual property

The app, its brand, its code and its content (other than your data) belong to us or our licensors. We grant you a personal, limited, revocable, non-exclusive license to use the app under these Terms.

8. Norteia is not advice

The information, indicators and reports shown depend on the data you enter and are informational only. They are not accounting, tax, legal or investment advice. Check the figures and consult a qualified professional before making important decisions.

9. Availability and changes to the Service

We work to keep the Service available, but it may be unavailable because of maintenance, failures or reasons beyond our control. We may change, suspend or end features, and we will give you reasonable notice when the change is significant.

10. Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect losses, lost profits or damages resulting from decisions made based on the information in the app, or for unavailability caused by third parties or factors beyond our control. Nothing in these Terms excludes or limits rights that the law grants to consumers.

11. Ending and deleting the account

You can request the deletion of your account in the app. There is a 15-day period for you to change your mind; after it, your data is permanently deleted, as described in the Privacy Policy. We may suspend or end accounts that violate these Terms, telling you when possible.

12. Changes to these Terms

We may update these Terms. When the change is significant, we will give advance notice in the app and ask you to accept the new version to keep using the Service. Every published version remains available for consultation.

13. Governing law and venue

These Terms are governed by the laws of Brazil. The venue of the consumer's domicile is chosen to settle any dispute arising from them, without prejudice to your right to turn to consumer protection agencies.

14. Contact

Questions, requests or complaints: support@norteia.app. The versions of these Terms are published at https://norteia.app/legal/terms.