Terms and conditions

These are the rules for using Sumaly. They are written to be understood. If anything is unclear, write to us before you accept.

1. Acceptance

By creating an account or using Sumaly you accept these terms and our privacy policy. If you do not agree, do not use the app.

2. What Sumaly is, and what it is not

Sumaly is a tool for logging and organizing your household's expenses, income, budgets and accounts. It is a tidy notebook, not a bank and not an adviser.

The voice and receipt-reading features use automatic recognition and artificial intelligence systems. They can get it wrong. Suggested amounts, dates, merchants and categories are proposals that you can and should review. Making sure the data is correct is your responsibility.

3. Your account

• You must be at least 13 to have an account. If you are between 13 and 18, you need permission from your mother, father or guardian, and that person accepts these terms on your behalf.
• The details you enter to open the account must be yours and must be true.
• You are responsible for what happens in your account and for keeping your password secure. If you suspect someone got in without permission, write to us.
• An account belongs to one person. Do not share it: that is what family mode is for.

4. Shared accounts and family

If you use Sumaly in couple or family mode, keep the following in mind:

• The members of your family see the expenses, income, budgets and receipts logged in the shared accounts, including yours.
• Whoever administers the family can approve or reject join requests and remove members.
• If you invite another person, you are responsible for making sure they know and accept that their data will be visible to the rest of the group. If you invite a minor, you do so under your own responsibility.
• If you leave a family or delete your account, the expenses you logged stop appearing in the shared history and the totals for earlier months change for everyone else.

5. Plans and pricing

Prices are stated in US dollars and do not include any taxes that may apply in your country. The final price you see and pay is set by the app store, which may convert it to your local currency.

We may change prices or what each plan includes. If a change affects you, we will notify you inside the app and by email at least 30 days in advance, and the new price applies from your next renewal. If you do not agree, you can cancel before it renews.

6. Subscriptions and automatic renewal

To cancel, go to your store's subscription settings:

• iPhone or iPad: Settings → your name → Subscriptions → Sumaly → Cancel Subscription.
• Android: Google Play → your profile picture → Payments and subscriptions → Subscriptions → Sumaly → Cancel.

Cancelling stops the next renewal. You keep paid access until the end of the period you already paid for. Deleting the app does not cancel the subscription.

7. Free trial

When you install the app you get 14 days with every feature unlocked, with no card asked for. If you do not take out a plan when the trial ends, your account moves to the free plan and you keep all of your data: you simply stop having the paid features.

If you take out a plan during the trial and do not cancel it at least 24 hours before it ends, the charge is made automatically. The trial is one per person.

8. Refunds

Purchases are made on the App Store or Google Play, so refunds are handled by them under their own policies, not by us. We cannot issue or force a refund for a purchase made in a store.

If you have a problem with a charge, write to us anyway: we can help you understand what happened and, where appropriate, support your request with the store.

9. What you may not do

• Use Sumaly for anything illegal, or to record unlawful activity.
• Try to get into another family's data, bypass access controls or probe the security of the service without our written permission.
• Reverse engineer, decompile or extract the app's code, except to the extent the law expressly allows you to.
• Extract data by automated means, overload the service or resell it.
• Upload content that is not yours, or receipts with third-party data that you have no right to store.

10. Your data is yours

The expenses, income, budgets, receipts and other content you enter remain yours. You grant us permission solely to host it, process it and display it to you, which is what it takes for the service to work. We do not sell it, we do not rent it, we do not use it for advertising and we do not train models with it.

You can export your information to Excel from the Reports screen and delete your account from My profile → Delete account. The detail of what we store and for how long is in the privacy policy.

11. What is ours

The application, its code, its design, the Sumaly name and its visual identity are the property of 4Chetes LLC. We grant you a personal, limited, revocable and non-transferable license to use the app under these terms. We do not transfer to you any right over the trademark or over the software.

12. Availability, changes and beta

We do what is reasonable to keep the service available, but we do not guarantee that it will run without interruptions or without errors. We may change, suspend or discontinue features. If we are going to discontinue the entire service, we will give you at least 30 days' notice so you can export your data.

13. The service is provided “as is”

To the extent permitted by law, Sumaly is provided as is and as available, without warranties of any kind, whether express or implied. We do not warrant that the service will fit a particular purpose, that it will be free of errors, that the results of the automatic features will be accurate, or that data will not be lost.

Some countries do not allow certain warranties to be excluded. If that is your case, the above exclusions apply only as far as the law of your country allows, and you keep the rights that law gives you.

14. Limitation of liability

To the extent permitted by law, 4Chetes LLC is not liable for indirect, incidental, special or consequential damages, nor for loss of data, profits or opportunities, arising from the use of or the inability to use Sumaly.

Our total liability, for any claim related to the service, is limited to the greater of these two amounts: what you have paid us in the twelve months before the event giving rise to the claim, or twenty US dollars.

15. Suspension and termination

You can stop using Sumaly whenever you want and delete your account from the app. We may suspend or close an account that breaches these terms or that puts the service or other people at risk. Where it is reasonable to do so, we will notify you first and give you the chance to export your data.

16. About Apple and Google

If you installed the app from the App Store: this agreement is between you and 4Chetes LLC, not with Apple. Apple is not responsible for the app or its content, provides no support for it and is not liable for claims related to it. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. The equivalent applies to Google if you installed it from Google Play.

17. Changes to these terms

If we change anything material, we update the date in the header and notify you inside the app. Continuing to use Sumaly after a change means you accept it. If you do not agree, you can cancel your subscription and delete your account.

18. Governing law

These terms are governed by the laws of the Republic of Panama, without regard to its conflict of laws rules. Any dispute is submitted to the competent courts of Panama City, unless the law of your country of residence gives you the right to bring a claim before the courts of your domicile, in which case you keep that right.

If a court declares any part of these terms invalid, the rest remains in force.

19. Contact

Write to us at soporte@sumaly.app.