Terms and Conditions of Use

1. Acceptance of Terms

By downloading, installing, registering or using the Tregua application (hereinafter, "the Application"), you agree to be legally bound by these Terms and Conditions of Use (hereinafter, "the Terms"). If you do not agree with any part of these Terms, please do not use the Application.

These Terms constitute a legal agreement between you (the "User") and the Tregua development team (hereinafter, "we", "our" or "the Team"). Continued use of the Application implies acceptance of any modifications to these Terms.

2. Description of the Service

Tregua is a personal finance management and budgeting application available on iOS, Android and Web platforms. The Application offers tools for recording income and expenses, budget tracking, personal financial analysis and other money management features.

2.1 Service Model

Tregua operates under a freemium model:

• Free Plan: includes basic financial management features at no cost.
• Premium Plan: includes advanced features through a paid subscription. Premium plan prices and features are detailed within the Application and may be updated periodically.

2.2 Availability

We reserve the right to modify, suspend or discontinue any aspect of the service at any time, with or without notice, without incurring any liability to the User.

3. Eligibility and User Registration

3.1 Minimum Age

To use Tregua you must be at least 13 years of age. If you are between 13 and 18 years old, you represent that you have the consent of your parent or legal guardian to accept these Terms and use the Application. We reserve the right to cancel accounts when we have reasonable grounds to believe the user is under 13 years old.

3.2 User Account

To access certain features, you will need to create an account providing accurate, complete and up-to-date information. You are responsible for:

• Maintaining the confidentiality of your access credentials.
• All activities that occur under your account.
• Notifying us immediately of any unauthorized use of your account.

The Tregua Team will not be liable for losses arising from unauthorized use of your account when such use results from User negligence.

4. Acceptable Use

4.1 Permitted Uses

You agree to use the Application solely for personal, lawful purposes and in accordance with these Terms, applicable laws and standards of good conduct.

4.2 Prohibited Uses

The following are strictly prohibited:

• Using the Application for fraudulent, illegal or unauthorized purposes.
• Attempting to access other users' accounts without authorization.
• Reverse engineering, decompiling or attempting to extract the source code of the Application.
• Transmitting viruses, malware or any harmful code through the Application.
• Using the Application for money laundering or financing of illicit activities.
• Collecting or storing personal data of other users without their explicit consent.
• Publishing offensive, defamatory, discriminatory content or content that violates third-party rights.

5. Subscriptions and Payments

5.1 Billing

Premium subscriptions are billed on a recurring basis (monthly or annually, depending on the option selected). By subscribing, you authorize automatic charges through the payment method registered on the corresponding distribution platform (Apple App Store or Google Play Store).

5.2 Automatic Renewal

Subscriptions are automatically renewed at the end of each period, unless the User cancels at least 24 hours before the current period expires.

5.3 Cancellations and Refunds

Cancellations must be made through the account settings on the distribution platform (App Store or Google Play) or through the account settings on the Web version. Refunds are governed by Apple App Store and Google Play Store policies, as applicable. For purchases made directly on the Web, a refund may be requested within 7 days of purchase, provided the premium plan has not been used during that period.

5.4 Price Changes

We reserve the right to modify subscription prices. Any price change will be notified at least 30 days in advance through the Application or to the registered email address.

6. User-Generated Content

6.1 Content Responsibility

You are solely responsible for any content, data or information you enter into the Application, including financial records, notes and custom categories. You warrant that such content does not infringe third-party rights or applicable legal provisions.

6.2 Content License

By entering content into Tregua, you grant the Team a limited, non-exclusive, worldwide, royalty-free license to process, store and display such content solely for the purpose of providing the service. We do not claim ownership of your personal financial data.

6.3 Content Removal

We reserve the right to remove any content that, at our sole discretion, violates these Terms, without prior notice and without any liability.

7. Privacy and Data Protection

The processing of your personal data, including financial and Application usage data, is governed by our Privacy Policy, which forms an integral part of these Terms. We recommend that you read it carefully.

7.1 Sensitive Data

The Application may collect and process personal financial information (income, expenses, budgets). This data is used exclusively to provide the service and improve your experience. We do not sell your data to third parties.

7.2 Security

We implement reasonable technical and organizational measures to protect your data. However, no data transmission or storage system is completely secure. Using the Application implies accepting these inherent risks.

7.3 Regulatory Compliance

Since the Application operates globally, we apply data protection standards compatible with international regulations, including the European Union General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA) and Colombia's Law 1581 of 2012, as applicable.

8. Intellectual Property

All intellectual property rights in the Application, including its design, code, brand, logos, text and features, are the exclusive property of the Tregua Team or its licensors. These Terms do not grant you any rights to such intellectual property, except for the limited right to use the Application as set forth herein.

The reproduction, distribution, modification or creation of derivative works from any element of the Application without the express written authorization of the Team is prohibited.

9. Limitation of Liability

9.1 Disclaimer of Warranties

The Application is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose or absence of errors.

9.2 Financial Information

Tregua is a personal management tool and does NOT constitute financial, accounting, tax or investment advice. Financial decisions you make based on information from the Application are your sole responsibility. Always consult a qualified professional before making important financial decisions.

9.3 Liability Limit

To the maximum extent permitted by applicable law, the Team shall not be liable for indirect, incidental, special, consequential or punitive damages, including data loss, economic losses or business interruption, even if advised of the possibility of such damages.

10. Modifications to the Terms

We reserve the right to modify these Terms at any time. Modifications will take effect upon publication in the Application. We will notify you of material changes by notice within the Application or by email. Continued use of the Application after the publication of changes constitutes acceptance of the new Terms.

11. Termination

We may suspend or cancel your access to the Application immediately, without prior notice, if you breach these Terms or if we consider that your use is harmful to other users or to the service. You may cancel your account at any time from the Application settings. After cancellation, your data will be deleted in accordance with our Privacy Policy.

12. Application Stores

If you downloaded the Application from the Apple App Store or Google Play Store, you acknowledge that:

• These Terms are between you and the Tregua Team, not with Apple Inc. or Google LLC.
• Apple Inc. and Google LLC have no obligation to provide maintenance or support services for the Application.
• In the event of a conflict between these Terms and store conditions, the store conditions shall prevail with respect to your relationship with them.

13. Governing Law and Dispute Resolution

These Terms shall be governed and interpreted in accordance with the general principles of law applicable in the User's jurisdiction. In the event of any dispute arising from these Terms or the use of the Application, the parties undertake to attempt an amicable resolution in the first instance.

If an agreement cannot be reached, disputes shall be submitted to the competent courts of the User's jurisdiction, unless local legislation requires otherwise.

14. General Provisions

14.1 Severability

If any provision of these Terms is declared invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14.2 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Team regarding the use of the Application, and supersede any prior agreements.

14.3 No Waiver

The failure to exercise any right established in these Terms shall not constitute a waiver of such right in the future.

15. Contact

For any inquiries, complaints or exercise of your rights in relation to these Terms or the Application, you may contact us at:

Email: apptregua@gmail.com

We will make our best effort to respond to your inquiry within a maximum of 15 business days.