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Terms of Use

Effective Date: November 20, 2025

This document outlines the articles of the Terms of Use ("Terms") that define the access and use of the "moneytracky" mobile application service (referred to as 'Application' in this document) developed by the MoneyTracky Company (referred to as the “Company” in this document).

1. Purpose

The "moneytracky" service is obtained by the user through the download and use of an application installed on the User's mobile device. Using Google® Gemini, it automatically extracts and collects data from printed or digital documents that serve as evidence of the User's expenses. This allows for classification by 'Cost Centers', Categories, and Subcategories according to the nature of each expense description, enabling the User to track their monthly spending behavior and make decisions to manage their expenses. The Service is only an expense tracking tool and DOES NOT CONSTITUTE NOR SHOULD IT BE INTERPRETED AS A RESOURCE FOR FINANCIAL, LEGAL, TAX, OR ACCOUNTING ADVICE. However, the service helps eliminate the operational work of manually recording each expense's data and, by exporting it, can streamline analysis and preparation for financial or tax reports directly by the User or their expert advisors.

2. Definitions

The terms and definitions in these Terms of Use shall have the meaning specified below:

2.1 User: refers to the person who enters into a Use Agreement and uses the service, for which a Google® Gmail® email account is used. It is the user's responsibility to maintain the confidentiality of their password. Therefore, a Gmail account is required to use the service. By using the service, you authorize the collection of the user's name and their respective email account.

2.2 Use Agreement: refers to the contract between the “Company” and the User regarding the use of the Application.

2.3 Services: refers to all services provided by the “Company” through the Application.

2.4 Data Extraction: Corresponds to both the process of character recognition and the extraction of data from relevant fields (such as date, total, etc.) of the documents processed by the User.

2.5 Gemini: Name of a Google® tool, which offers various LLM models that perform diverse Artificial Intelligence tasks, such as extracting data from relevant fields from documents or images. The accuracy or absence of errors in the data extraction from your documents is not guaranteed, so the User agrees to verify the extracted information. The accuracy of the data is influenced by several factors, such as the condition of the text on printed documents, the user's skill in capturing the image with the mobile camera, the technical specifications of the device's camera, the sharpness of the printed characters, and even the condition of the document's paper.

The User acknowledges and agrees that the use of the Google® Gemini® tool for data extraction DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR ABSENCE OF ERRORS in the extracted information. The Company ASSUMES NO RESPONSIBILITY for discrepancies, losses, or damages arising from the information processed by this tool.

2.6 Documents: The service is designed to process printed documents or files in PDF or image formats ('png', 'jpg', 'jpeg'), which are converted to images and stored in the Google® Drive tool associated with the User's Google® Gmail® account, to which only the User has access.

3. Validity and Modifications of Terms of Use

3.1 These Terms of Use will become effective when the “Company” notifies the User about them, either by publishing them in the “Company”'s Application or through other methods (text message, email, instant messaging, etc.), and the User expresses their acceptance.

3.2 The “Company” may modify these Terms of Use, if necessary, as long as it does not contravene applicable laws and regulations. In such a case, the “Company” will make an announcement in the manner provided in Article 3.1 or send individual notifications to Users, indicating both the previous and the modified version of the Terms of Use, the effective date, and the reasons for the modification, at least seven (7) days before the date. However, any modification of the User's substantial rights or obligations will be notified thirty (30) days before the effective date, in the manner prescribed above.

3.3 The User will be deemed to have accepted the modified Terms of Use if they do not expressly reject them within the mentioned period, even after the Company has notified them of such modifications in accordance with Article 3.2, indicating that the User will be deemed to have accepted them without their express rejection before the effective date of the modification. The User who does not accept the modified Terms of Use may not be able to use the Services and may suspend their use and terminate the Use Agreement within the mentioned period.

3.4 By downloading and logging into the application with a Google® Gmail® account, the user acknowledges that they have read, understood, and agree to be legally bound by these Terms, including the Privacy Policy. If you do not agree with these Terms, you should not use the Service.

4. Privacy Policy and Operational Policy

4.1 The User's personal information will be treated and protected in accordance with applicable laws and regulations and the Company's privacy policy.

4.2 The Company may establish an independent operational policy if necessary. In the event that such an operational policy conflicts with these Terms of Use, the operational policy will prevail.

5. Acceptance of the Service Use Agreement

5.1 The Service Use Agreement will constitute a legally binding contract when the person wishing to become a User applies to use the Application, indicating their acceptance of these Terms of Use, and the Company accepts the User's request. The Company's acceptance will be manifested by indicating that the use of the Services is possible.

5.2 The Company may reject an applicant's request or cancel their use acceptance in the following cases:

  1. The applicant did not use their real name or used the name or other information of a third party;
  2. The applicant is under 13 years of age;
  3. The applicant provided false information in the application or did not meet the application's requirements;
  4. The applicant attempted to use the Services through an unauthorized or alternative route in a country where the Company does not provide the Services.
  5. The applicant attempted to register for purposes prohibited by applicable laws and regulations or for other illicit purposes, such as those that undermine public order or social morality.
  6. The applicant attempted to use the Services for unauthorized or unrecognized profit-making purposes by the Company.
  7. The applicant reapplies for access to the Services after being denied authorization for breaching these Terms of Use.
  8. There are other equivalent causes to those described in this paragraph that lead the Company to consider the acceptance of the User's request inappropriate.

5.3 The Company may suspend the acceptance of a User's request in any of the following cases until the causes are remedied:

  1. The Company's operational, technological, or financial capacity does not allow or makes it costly to support a specific mobile device, or there is a technical obstacle.
  2. A failure occurs in the Services or payment methods.
  3. There are other equivalent causes to those described in this paragraph that lead the Company to consider the acceptance of the applicant's request inappropriate.

6. Membership Registration Request

6.1 Users can register as members to use the services offered through the Application. To request membership, the applicant must provide all the required information during the registration process in the Application. Registration is complete when the Company confirms that said process has finished.

6.2 The Company may reject or cancel the membership registration for the causes specified in Article 5.2 of these Terms of Use and may suspend its acceptance for the causes specified in Article 5.3 of these Terms of Use, until the cause is resolved.

6.3 The User who does not provide true and authentic information, i.e., who steals another person's information or enters fraudulent information, will not be entitled to any rights related to the use of the Application and may be sanctioned according to applicable laws and regulations.

7. Company's Obligations

7.1 The Company will comply in good faith with the obligations established by applicable laws and regulations and these Terms of Use.

7.2 The application uses tools provided by Google®, including Gmail®, Drive®, Gemini, and others from the Google Cloud Platform ecosystem. Therefore, the application's operation and availability will directly depend on the availability and response times of these tools. However, the Company will do its best to repair or restore, without delay, failures in the facilities or loss/damage of data that may occur during the improvement of the Services, in order to provide them more continuously and stably, except in cases of force majeure, emergencies, or failures/defects for which no technological solutions are available.

8. User's Obligations

8.1 The User must comply with these Terms of Use. The User shall NOT:

  1. Use fraudulent information or information of other people when applying for or using the Services or when registering as a member;
  2. Use another User's account without the Company's consent;
  3. Pay using illegal payment methods, such as another person's credit card, phone, or bank account;
  4. Modify the information published by the Company or cause interruptions in the Services;
  5. Collect, store, publish, distribute, or otherwise use another User's personal information or account information without their consent;
  6. Copy, disassemble, imitate, or modify the Services through reverse engineering, decompilation, disassembly, or any other processing method;
  7. Grant access rights to the Services to a third party, i.e., lend or transfer their account to a third party.
  8. Infringe on the personal or intellectual property rights of the Company or third parties, including the right to one's own image, the right to a name, the right to publicity, and copyrights;
  9. Damage the reputation of the Company or third parties, or interfere with their business activities;
  10. Impersonate employees or other persons related to the Company;
  11. Post indecent information, such as vulgar or violent messages, videos, audios, or other content, or information that may cause disgust or anxiety to other Users, or post links to such information in the Application;
  12. Repeatedly post the same content, similar content, or irrelevant content to saturate the forums;
  13. Use the Services for purposes other than those authorized without the Company's consent, such as for-profit activities, sales promotion, advertising, political or electoral campaigns, etc.;
  14. Duplicate, distribute, promote, or commercially use any information obtained through the Services without authorization, or use the Services by exploiting known or unknown errors.
  15. Take advantage by deceiving others;
  16. Cause harm to third parties in connection with the use of the Services;
  17. Any other act that infringes applicable laws or is contrary to good customs or other social norms.

8.2 The User is responsible for managing their account and mobile device, and must not allow others to use them. The Company is not responsible for damages caused by improper management of the mobile device or by allowing others to use the account or device.

8.3 The User must establish and manage security measures, such as payment passwords, to prevent fraudulent payments in each open market. The Company is not responsible for damages caused by the User's negligence.

9. Service Provision

9.1 The Services will be available 24 hours a day, 7 days a week, without interruptions or holidays, except for technical or operational reasons.

9.2 The Company may temporarily suspend the Services without prior notice in the following cases:

  1. Urgent system reviews, expansions, replacements, breakdowns, or malfunctions;
  2. National emergencies, power outages, natural disasters, or other equivalent force majeure events;
  3. Suspension of telecommunications services by a telecommunications operator with its own infrastructure, in accordance with the Telecommunications Act; or
  4. Service interruptions due to capacity overload, etc.

9.3 In case of service suspension for any of the reasons mentioned in the previous provision, the Company will notify of such suspension in advance through the Application. However, in case of service suspensions for reasons beyond the Company's control that cannot be announced in advance, they will be notified later.

10. Modification and Suspension of Services

10.1 The Company may modify the Services for operational and technical reasons to provide better services. If the modification of the Services involves the partial removal of them, the Company will notify the User of such changes before the effective date of the modification in the Application.

10.2 The Company may suspend all Services in circumstances where it cannot continue to provide them due to business interruption, such as transfer, spin-off, or merger of the company; expiration of a contract with a third party for service provision; or critical management problems, such as a drastic decrease in Service profits. In such cases, the Company will notify the User of the service suspension on the main screen of the Application or on a linked page, indicating the date and reason for the suspension, thirty (30) days before the suspension date, and will notify Users in the ways prescribed in Article 19.

11. Payment Service

11.1 A Payment Service contract is formed when the Company approves the payment by displaying a message such as «Payment completed» or «Subscription completed» in the Application, after the User clicks the button to request paid services such as «Pay» or «Subscribe» in the Application, and makes the payment according to the policy or method established by the payment method provider selected by the User. The Company provides the Payment Service purchased by Users from the time of payment, unless otherwise specified.

11.2 In case of recurring payment, the Company will notify in the Application that it is a recurring payment and that it will be processed on the same day the first payment was made using the User's payment method (if a specific month does not have such a date, it will be processed the next day).

11.3 The usage period of the Service or paid content purchased by the User will be as specified at the time of purchase. However, if the Service is suspended according to Article 10.2, the usage period of the Service or paid content without a fixed term will be extended until the service suspension date announced in the corresponding notice.

11.4 If the payment is made in a foreign currency, the billed amount may differ from the displayed amount due to exchange rate fluctuations and fees.

12. Termination or Cancellation of the Service

12.1 The User who has entered into a paid service use agreement with the Company and while their service use license is valid may at any time terminate or cancel the Service Use Agreement. Once the service is canceled, the document processing service will be immediately suspended; however, the service usage data stored in the Services will be deleted in accordance with the provisions of the Privacy Policy. However, it is clarified that the files stored in the Google® Drive® folder are always under the User's management.

12.2 The Company may, at its discretion, suspend a User's use of the Services or terminate the Service Use Agreement for justified reasons that make its fulfillment unfeasible, such as, but not limited to, breach of these Terms of Use and violation of laws or regulations. In such a case, the User may not re-register for one year.

13. Refund of the Subscription Service Fee

13.1 Since the service includes the processing of a certain number of documents during the month, according to the type of license in effect, when the User requests a refund of the subscription service fee, the number of processed documents will be divided by the total documents associated with the current license, and the number of days the service has been used will be divided by the total days of coverage of the service use license. The higher percentage will be used to subtract from 100%, and this result will be multiplied by the paid value of the service use license to obtain the amount to be refunded to the user.

13.2 If the subscription service contracted by the User includes a discount applied according to the contract duration, the daily rate of Article 13.1 will be calculated without applying said discount. However, if the discount percentage varies according to the contract duration, the short-term discount will be applied if the User contracted a long-term content use service and terminated it after the period corresponding to the short-term discount ended.

14. Restrictions on Use of Services

14.1 The Company may restrict the User's use of the Services if the User breaches the obligations established in these Terms of Use or disrupts the proper functioning of the Services.

14.2 If the Company restricts a User's use of the Services in accordance with the previous provision, the Company will notify the User of the following:

  1. The reason for the restriction;
  2. The details of the restriction; and
  3. The appeal procedure.

14.3 If the User wishes to appeal the Company's restriction decision, they must submit an appeal letter with the reasons for it, either in person, by email, or by another equivalent method, within fourteen (14) days from the date they receive the suspension notice from the Company.

14.4 The Company will respond to the appeal, stating the reasons for it, by personal delivery, email, in-app message, or by another equivalent method, within fourteen (14) days from the date the Company receives the appeal letter, as provided in the previous provision. However, if the Company is in a difficult situation to respond to the appeal letter within the mentioned period, it will notify the User of the reason for the delay and the expected deadline.

14.5 If the Company considers the reason for the appeal valid, it will take the necessary measures.

15. Data Management

15.1 The Company will be responsible for providing the User with access to the tools for processing documents, so the user is solely responsible for both the data recorded by the application on the mobile device and the files stored in Google® Drive®, which is associated with the user's Google® Gmail® account.

15.2 The user is solely responsible for the content processed in the application and must ensure that it does not infringe the Terms or Conditions of Use, nor engage in any of the following situations:

  1. Promote copyright infringement or hacking.
  2. Are objectively recognized as being related to criminal activities.
  3. Infringe the copyright or other rights of other Users or third parties.
  4. Involve other acts that are recognized as infringing these Terms of Use or applicable laws and regulations.

15.3 If the Company detects User-Generated Data that infringes these Terms of Use or receives a request for action from public or national institutions, it may delete or transfer such User-Generated Data without the User's prior consent, in accordance with applicable laws and regulations.

15.4 If the Company receives a suspension request regarding User-Generated Data from a third party alleging infringement of rights, such as defamation or infringement of intellectual property rights, the Company may temporarily suspend the publication (transmission) of such User-Generated Data, in accordance with applicable laws and regulations. The Company will comply with judicial, arbitration, or other competent institutional decisions, which includes the republication of User-Generated Data in accordance with applicable laws and regulations.

16. Intellectual Property and Copyright

16.1 The company holds the copyright and intellectual property rights on how the information of user's expenses captured from printed documents or digital files is processed, organized, and displayed to the user. The application has NO intellectual property over any of the tools from the Google® ecosystem or the models of the Gemini® tool.

16.2 The User may not, nor allow third parties to use, the information obtained through the Company's Services, whether in its original or modified form, for profit, by copying, transmitting, editing, disclosing, displaying, distributing, disseminating, or creating derivative works from such information.

16.3 The User will defend, indemnify, and hold the Company harmless from any loss, claim, or damage arising from the User's breach of intellectual property rights, such as copyrights.

16.4 The Company may use part of the data extracted from the documents processed by the user in a limited manner and in accordance with applicable laws and regulations, for purposes such as: establishing consolidated reports on the level of use of the application's services, identifying improvements or development of new functionalities, and fine-tuning the configuration of the technological infrastructure that supports the application.

17. Indemnification

The Company and the User will indemnify each other in the event that one of the parties breaches these Terms of Use and causes damage or harm to the other. However, neither party will be liable for damages or harm that do not arise from willful misconduct or gross negligence.

18. Limitation of Liability

18.1 The Company will not be liable for the provision of the Services in case of:

  1. Natural disasters, power outages, or any other equivalent force majeure event.
  2. Interruptions in the services of telecommunications service providers.
  3. Interruptions or failures in any of the tools of the Google® ecosystem, which may affect the operation of the service provided by the “Company”, in which case, we are exempt from any liability or damage that may be caused to the User.

18.2 The Company will not be liable for damages caused by maintenance, replacement, periodic inspections, or any other equivalent cause, unless such damages are attributable to a willful or grossly negligent act of the Company.

18.3 The Company will not be liable for interruptions in the use of the Services caused by a willful or grossly negligent act of the User, unless the User has a force majeure or legitimate cause.

18.4 The Company will not be liable for the reliability or accuracy of the information or content published by a User in connection with the Services, unless the Company has committed a willful or grossly negligent act.

18.5 The Company has no obligation to intervene in transactions or disputes arising from the Services between a User and a third party, and will not be liable for damages arising from such transactions or disputes.

18.6 The Company will not be liable for damages suffered by a User in connection with the use of free Services, unless such damages are attributable to a willful or grossly negligent act of the Company.

18.7 The Company will not be liable for a User not obtaining the expected benefits from the use of the Services or for the loss of them.

18.8 The Company will not be liable for damages arising from a User's improper management of a mobile device password or a password provided by a payment service provider, etc., unless such payments are attributable to a willful or negligent act of the Company.

18.9 The Company will not be liable for interruptions in the use of the content, whether total or partial, caused by a change of mobile device, mobile device number, or operating system; international roaming; or a change of network provider by the User, unless such interruptions are attributable to a willful or negligent act of the Company.

18.10 The Company will not be liable for the content or account information deleted by a User, unless it is attributable to a willful or negligent act of the Company.

18.11 The Company will not be liable for damages suffered by a User arising from system interruptions beyond its control, interruptions caused by third-party attacks, or computer viruses for which a nationally or internationally recognized research institute or security company has not developed a countermeasure, unless they are due to a willful or grossly negligent act by the Company.

19. Notification

19.1 The Company may notify the User by email, electronic message, in-app notification, push notification, SMS/MMS, web page, or social media message.

19.2 To communicate with all Users, the Company may replace the individual notification provided in Article 19.1 by publishing a notice or displaying a pop-up window in the Application for seven (7) days or more.

20. Complaint and Dispute Resolution

20.1 The Company will publish the procedures for making suggestions or filing complaints in the Application for the convenience of the Users.

20.2 If the Company considers the User's suggestion or complaint valid, it will resolve it as soon as possible, notifying the User of the reasons for the delay and the expected deadline in the Services or in accordance with Article 19.1, in cases where a longer period is required to resolve the complaint.

21. Jurisdiction and Governing Law

These Terms are governed by the laws of [Main Jurisdiction, e.g., Colombia or a U.S. state], excluding its conflict of law principles.

  • Users in Colombia: For any dispute, the parties will submit to the jurisdiction of the courts of [City in Colombia, e.g., Bogotá].
  • Users in the U.S.: Any claim will be resolved by binding arbitration in [City, U.S. State] in accordance with the rules of [Arbitration Institution].