By using the Tino app ("the app"), you agree to these Terms of Use and to our
Privacy Policy. If you do not agree, please do not use
the app.
2. What Tino is (and is not)
Tino is a tool for personal finance organization and
education: expense tracking, goals, bill reminders, budgets, and
educational simulators.
Important: Tino does not provide financial,
investment, accounting, or legal advice. The content, simulations, and
suggestions in the app are strictly educational and informational. Financial
decisions are your responsibility — for professional guidance, consult a
certified specialist.
3. Account and user responsibilities
The app works without signing up (guest mode). Creating an account is optional;
You are responsible for the accuracy of the data you enter and for safeguarding access to your device and your account;
You agree to use the app only for lawful, personal purposes.
4. Subscriptions and payments
Tino offers a free plan and paid subscriptions (Tino Premium) with automatic renewal;
Purchases are processed by the App Store (Apple). Pricing, billing, renewal, and refunds follow Apple's rules;
You may cancel at any time in iPhone Settings → Subscriptions. Cancellation takes effect at the end of the period already paid for;
Plan features and prices may change, with prior notice where required.
The free plan limits some convenience features (such as the number of receipt
scans, statement imports, and file exports). Recording transactions is
never limited, and no plan limit restricts your rights over your own
data — see the "Your rights" section of the
Privacy Policy.
5. Your data
Your financial data stays on your device, under your control. Backups are your
responsibility (e.g. your iPhone backup). If you delete the app or erase the
data, we cannot recover it — we hold no copy.
6. Intellectual property
The app, its brand, design, and content are owned by Gustavo Barra. Copying,
modifying, distributing, or reverse-engineering the app is prohibited, except
where permitted by law.
7. Disclaimer of warranties and limitation of liability
The app is provided "as is", without warranty of uninterrupted availability or freedom from errors;
Calculations, automatic classifications, and receipt readings are estimates and may contain inaccuracies — always check the values;
To the maximum extent permitted by law, we are not liable for losses or damages arising from decisions made based on information in the app.
8. Termination
You may stop using the app at any time. We may suspend or terminate access in
case of a violation of these terms.
9. Changes to these terms
We may update these terms from time to time. The date at the top indicates the
version in force. Continued use of the app after changes constitutes acceptance.
10. Governing law and venue
These terms are governed by the laws of the Federative Republic of Brazil. The
venue of the user's domicile is elected to settle disputes, under the Brazilian
Consumer Protection Code.