Terms of use

Version 2

Draft pending legal review. This is a preliminary text, written by the Buxy team so the app can ask for express consent from day one. Before launch, a Salvadoran lawyer reviews it. This is a translation; the Spanish version prevails.

These terms govern the use of Buxy. They must be accepted, together with the Privacy Policy, to create an account.

1. Who offers Buxy

Buxy is a personal finance app by Villasoftware, from El Salvador. In these terms, "Buxy" means the app and Villasoftware, which runs it.

2. What Buxy is and is not

• Buxy helps record and understand expenses, income, accounts, goals and debts.
• Buxy is not a bank; it does not hold money or move money.
• Buxy is not a financial, legal or tax adviser. What it shows is informational.
• The official balances and movements are the ones each bank reports. Buxy can be wrong when it reads or interprets.

3. Who can use Buxy

• Buxy is only for people 18 or older. When creating the account, the person confirms they are 18 or older.
• Buxy is intended for people in El Salvador. The country is chosen when creating the account.

4. The account

• Sign-in is with Google or with a one-time code sent to the email. There is no password.
• A person has a single account per verified email.
• Protecting access to the email protects the account: whoever gets into the email can get into Buxy.
• The person is responsible for what they do with their account.

5. Acceptable use

• Buxy may not be used for illegal activities, to harm the service or to access other people's accounts.
• Attempting to break security, overload the service or read other people's data is not allowed.

6. A test version

• Buxy is at an early stage. It may fail, change or pause.
• It is advisable to review the movements that are recorded automatically.

7. Plans and charges

• During the pilot, Buxy is free.
• There will be a founder plan with a charge. Its conditions are detailed in its own billing terms when it is activated.

8. The agent and its credits

• Buxy includes an assistant that answers questions about the person's finances.
• Its use is measured in credits, with a per-plan limit. The assistant's conditions are explained in the app.

9. Intellectual property

• The app, its design and its code belong to Villasoftware.
• The data the person records belongs to the person.

10. Limits of liability

• Buxy is offered "as is", with no guarantee that it is free of errors.
• To the extent allowed by El Salvador's consumer protection law, Villasoftware is not liable for decisions made based on what Buxy shows.

11. Suspension and closure

• Villasoftware may suspend or close an account that uses Buxy against these terms.
• The person may delete their account at any time from Settings.

12. Deleting the account

• Deleting the account deletes the person's data and their encryption key. Without that key, what was encrypted becomes unreadable.
• Pseudonymous records that do not identify the person remain, as described in the Privacy Policy.

13. Changes to these terms

• Each version has a number. A published version is never modified.
• If the change is material, acceptance of the new version is required to keep using Buxy.
• If the change is minor, such as a typo, it is published without asking for acceptance again.

14. Governing law and language

• These terms are governed by the laws of El Salvador, and any dispute is heard before its courts.
• The Spanish version prevails. The English version is a translation.

15. Contact

For questions or complaints: soporte@buxy.app.