Welcome! These Terms of Use ("Terms") govern your access to and use of the Fintalk service ("Service"), an AI-based financial assistant available via WhatsApp, operated by our team ("we," "us," or "our").
By accessing or using our Service, you agree to be bound by these Terms, our Privacy Policy, and any other terms referenced herein. If you do not agree, you must not use the Service.
You must be at least 18 years old to use Fintalk. By using the Service, you represent and warrant that you meet this requirement.
Fintalk provides AI-driven assistance to help users understand and manage their personal finances through conversational interactions on WhatsApp. This includes features such as expense tracking, summaries, insights, and tips.
Access to certain features of the Service may require payment. By subscribing, you agree to recurring billing unless canceled before the renewal date. Payment processing is handled securely by third parties (e.g., Stripe or Mercado Pago).
You can cancel your subscription at any time through the instructions provided via WhatsApp or email. Refunds are granted at our discretion or where required by law.
Your data is protected according to our Privacy Policy. We do not have access to your WhatsApp messages. All communication is encrypted end-to-end, and only the data you choose to share with the assistant is processed automatically.
You agree not to misuse the Service or use it for illegal activities. You may not interfere with or disrupt the Service, copy or reverse engineer its logic, or violate applicable laws.
All content, technology, and branding related to Fintalk are owned by us or our licensors. You may not reproduce, sell, or distribute any part of the Service without written permission.
Fintalk provides general financial guidance and does not constitute professional financial, legal, or tax advice. Always consult a qualified professional for personalized advice. Use of the Service is at your own risk.
We are not liable for any indirect or consequential damages arising from the use of the Service. Our total liability shall not exceed the amount paid by you in the past 6 months, if any.
We may update these Terms at any time. Continued use of the Service after changes become effective constitutes your acceptance.
These Terms are governed by the laws of Brazil, regardless of your location.
If you have questions about these Terms, please contact us at:
Email: support@getfintalk.com