Terms of Use · Flutue

1. Parties, identification and incorporated documents

The Flutue app and website are operated by Flutue, individual responsible for operating Flutue ("Flutue", "we" or "our").

These Terms incorporate by reference the Privacy Policy, consent notices, commercial conditions displayed before subscription, app store policies when applicable, and official communications sent by Flutue.

In case of conflict, the more specific rule for the subject prevails, respecting applicable mandatory consumer and data protection legislation.

2. Electronic acceptance, version and evidence

Acceptance occurs when you create an account, authenticate, check an agreement field, subscribe to a plan, or continue using the service after valid notice of changes.
We may record date, time, IP address, device identifier, Terms version and technical evidence of acceptance.
These records may be used for security, auditing, legal compliance and exercise of legal rights.
New, beta, promotional or paid features may require additional acceptance.
Without accepting these Terms and the Privacy Policy, you must not complete registration or use the service.

3. Eligibility, minimum age and account

Flutue is intended exclusively for persons aged 18 or older.
You declare that you have legal capacity to contract and use the service.
You must provide true, complete and up-to-date information.
Access depends on authentication via compatible providers, such as Google, or other available means.
You are responsible for keeping your device, session, email, password, biometrics, PIN and credentials adequately secure.
You must immediately report any suspicion of misuse or unauthorized access.

4. Service object and informational nature

Flutue is a personal financial organization tool. The service may include, depending on the plan and technical availability: recording of income, expenses and transfers; accounts and banks; credit cards and statements; categories and subcategories; recurrences; goals and budgets; financial calendar with optional Google Calendar integration; spending map; AI insights and categorization (Flu AI); receipt reading via OCR; audio entry; statement import; simulator and projections; notifications; Couple Account; and subscription management.

Flutue is not a bank, financial institution, payment institution, brokerage, custodian, financial, accounting, tax, legal or investment advisor.
Flutue does not perform financial intermediation, custody of assets, credit granting, investment or movement of user resources.
Classifications, projections, simulations, alerts and insights have an informational purpose and personal organization support, and do not constitute a recommendation or guarantee of results.
You remain responsible for validating entries, attachments, dates, amounts, categories, financial decisions and your own legal obligations.

5. AI, OCR, audio and automation features

Flutue uses on-device OCR and third-party artificial intelligence operators, which may be located outside Brazil, for reading receipts, transcribing audio, categorizing, extracting statements, suggestions and generating insights. Data processing in these flows is detailed in the Privacy Policy.

Automated results may contain errors, omissions, duplicates or imprecise interpretations. Accuracy is not guaranteed.
You must review suggested data before confirming, saving, using in a report or making any decision.
Use of OCR, audio, AI or advanced features may depend on plan, usage quotas, technical availability, consent or specific configuration.
We may apply usage limits, queues, temporary blocks, validations and anti-fraud mechanisms to preserve stability, cost, security and availability.
Voice audio sent for transcription is deleted after processing. We do not use your personal data to train third-party models for their own purposes without adequate legal basis and consent when required.

6. Automatic transaction capture (optional, Android)

On Android, Flutue offers an optional feature that organizes entries from movement notifications of bank apps and benefit cards that you select. The feature requires permission granted by you and can be disabled at any time.

Flutue does not access credentials, passwords or logged-in environment of institutions; the feature only interprets notifications on your device to suggest an entry, which remains pending your confirmation.
Availability depends on the device, system, installed apps and notification format; we do not guarantee capture of all movements.
You are responsible for reviewing suggested entries. The feature does not replace the official statement from the institution.
This feature is not available on iOS due to platform limitations.

7. Couple Account and sharing between users

The Couple Account allows two users to organize finances together. By creating the group and inviting another person, you declare and guarantee that you have authorization and consent from that person to include them and share the group's financial data.

The invitation is sent by email, with a link and token of limited validity, and only takes effect upon acceptance by the invited person.
Members access group data according to the assigned role: editor (creates and edits entries) or viewer (read-only).
Each member is responsible for the data they enter and the use of information they access. Flutue is not a party and does not mediate disputes between members.
Closing the Couple Account makes new entries individual, but does not automatically delete previously created entries.
You release Flutue from liability for any sharing you perform without proper authorization from the other party.

8. Data, privacy and consents

Personal data processing is governed by the Privacy Policy. In summary, we process data necessary to operate the app, optional data for supplementary features, and analytics data for security and improvement, with part of the processing and storage occurring outside Brazil.

Non-essential cookies, location, notification capture on Android, optional AI/audio features and any advertising depend on consent where required by law.
You may withdraw consents with future effect, without affecting previously lawfully performed processing.
We may retain acceptance, consent, security and audit trails for as long as necessary for compliance proof and defense of rights.
Avoid sending receipts, images, audio or text with third-party data without authorization or necessity for using the service.

9. Acceptable use rules

You agree not to practice, permit or facilitate:

unlawful, fraudulent, deceptive, abusive use or use contrary to these Terms;
use by minors or on behalf of third parties without legitimate authorization;
attempts at invasion, scanning, scraping, reverse engineering, overloading, bypass, abusive automation, malware or exploitation of vulnerabilities;
sending offensive, discriminatory, illegal, fraudulent, third-party rights-violating content incompatible with the service purpose;
use to circumvent platform rules, defraud benefits, mask identity, violate intellectual property or compromise Flutue's security;
resale, sublicensing, commercial access sharing or exploitation of the service without written authorization.

10. User content and responsibility for entered data

You retain ownership of the data, financial records, attachments, audio, images and other content you enter. To enable the service, you grant Flutue a limited, non-exclusive, royalty-free license necessary to store, process, sync, display, protect, transmit and analyze that content and generate the features related to your use.

You declare you have the right, authorization or legitimate basis to enter the content and that it does not violate third-party rights. Flutue may remove, block or restrict content when there is legal, technical, security risk, valid authority order or breach of these Terms.

11. License of use, intellectual property and restrictions

Flutue grants you a personal, limited, revocable, non-exclusive, non-transferable and non-sublicensable license to use the app and website in accordance with these Terms.

Brands, names, layout, interface, texts, images, flows, software, databases, models, documentation, visual elements, code and domains belong to Flutue or its licensors and are protected by law.

Without prior written authorization, it is prohibited to:

copy, modify, distribute, sell, rent, sublicense, assign or commercially exploit the service;
decompile, disassemble, reverse engineer or attempt to extract source code, models, internal rules or trade secrets;
remove intellectual property notices, brands, credits or protection mechanisms;
create a competing product using improper access, scraping, systematic extraction or confidential Flutue information.

12. Plans, pricing, free trial and payments

Flutue offers a free plan and paid plans with additional features — currently Flu Plus, Flu Pro and Flu Pro+, on monthly and annual basis. Values, features, quotas (for example, OCR and audio), limitations and conditions are informed before contracting, in the app store itself.

There may be a free trial period (for example, 14 days). At the end of the trial, unless cancelled within the period, the subscription is converted to a paid charge for the chosen plan.
Purchases are processed by Google Play or the App Store, also following the rules, terms and policies of those platforms.
Paid features may be suspended for payment failure, cancellation, fraud, abuse, account closure or relevant technical unavailability.
We may correct material errors in price, offer or description, respecting consumer rights and transparency.

13. Auto-renewal, withdrawal right and refunds

Subscriptions are automatically renewed by the app store until you cancel. Cancellation can be done at any time in your account settings in the respective store.
Cancellation prevents future charges, but paid access generally remains active until the end of the already-contracted period, according to store rules.
Right of withdrawal: where applicable, you may cancel within 7 days of contracting.
Since billing is intermediated by the store, cancellation and refund requests may need to be made directly in the Google Play or App Store environment, according to each platform's rules, without prejudice to Flutue's official support channels.

14. Notifications, communications and official channels

We may send communications by email, push, in-app notices, site messages or other informed channels, including security, support, contractual changes, billing, incidents, features and legal obligations.

You must keep contact channels up to date.
Transactional and security messages may be necessary for service execution.
Promotional communications depend on adequate legal basis and may be unsubscribed when applicable.

15. Availability, maintenance and product evolution

Flutue is provided according to technical availability, with reasonable efforts for continuity, security and evolution. We do not guarantee uninterrupted availability, complete absence of errors, permanent compatibility with all devices, or indefinite maintenance of all features.

Unavailability, delays, limitations or changes may occur due to maintenance, updates, internet failures, app stores, cloud, APIs, suppliers, force majeure events, anti-fraud measures, legal requirements or product decisions.

16. Third-party services and integrations

Flutue depends on third-party services, such as cloud and infrastructure providers (Google/Firebase), authentication, AI operators (including models accessed through intermediaries and Google models), maps (Google), behavioral analytics (e.g., Microsoft Clarity), messaging and app stores/payments (Google Play and Apple). These third parties have their own terms and policies.

Flutue does not fully control availability, changes, policies, charges, failures or decisions of these third parties, without prejudice to Flutue's legal duties applicable in its relationship with you.

17. Account suspension, limitation and termination

You may stop using the service and request account deletion through available channels (deletion observes the grace period described in the Privacy Policy).
We may suspend, limit or terminate access in case of violation of these Terms, abuse, fraud, security risk, legal order, default, incompatible use or compromise of service integrity.
When legally possible and technically reasonable, communication with minimum justification will be provided.
Termination may not immediately eliminate all data when there is legal obligation, security need, fraud prevention, auditing or exercise of legal rights.
After termination, use licenses cease, without prejudice to clauses that by nature must remain valid.

18. Security and responsible use

We adopt technical and administrative measures compatible with the risk, including encryption of financial values and encryption in transit, but no system is absolutely immune to incidents. You must use Flutue responsibly, keep the operating system updated, protect credentials, avoid unsecured networks and not share access.

Suspected vulnerabilities or failures must be reported through official channels, without exploitation, improper disclosure, access to third-party data or service disruption.

19. Disclaimers and limitations of liability

To the maximum extent permitted by law and without waiving non-derogable consumer rights, Flutue is not liable for indirect damages, lost profits, loss of chance, loss of business, data loss due to user's exclusive fault, decisions taken solely based on automated suggestions, conflicts between Couple Account members, third-party failures, internet unavailability, app stores or cloud providers, or use contrary to these Terms.

In any case, any Flutue liability will be analyzed according to causal link, proof of damage, fault when required, user conduct, applicable legal duties and limits allowed by applicable law.

20. Indemnification for misuse

You shall indemnify Flutue for losses, costs, judgments, expenses, reasonable fees and damages arising from misuse, fraud, violation of these Terms, violation of third-party rights (including improper data sharing in the Couple Account), illegal content, unauthorized access caused by your conduct or non-compliance with the law, respecting due process and mandatory consumer rights.

21. Changes to these Terms

We may update these Terms for legal, regulatory, technical, commercial, operational, security reasons, product changes or clarity improvements. The current version will be available on this page, with update date.

Material changes will be communicated through reasonable channels, such as app, site, email, push or product notice.
When required by law, we will collect new acceptance or specific consent.
If you disagree with an essential change, you must discontinue use and, if desired, request account closure.
Continued use after the new version takes effect constitutes agreement, respecting applicable legal rights.

22. Applicable law and jurisdiction

These Terms are governed by the laws of the Federative Republic of Brazil. Before any formal action, we recommend contact through official channels for an administrative solution attempt. The jurisdiction of Curitiba/PR is elected for disputes arising from these Terms, with express reservation for legally mandatory jurisdictions and the consumer's domicile when applicable.

23. Official channels

Support: suporte@flutueapp.com.br
Privacy and data subject rights: contato@flutueapp.com.br
Controller/operator: Flutue, individual responsible for Flutue

24. Feedback channel and user participation

Flutue provides, within the application, a special Feedback menu through which any user may send suggestions, criticisms, compliments and other contributions related to the product and user experience.

Submitting feedback is voluntary and optional, and does not constitute an obligation on the user's part.
The Flutue team will analyze received messages and may respond within up to 15 (fifteen) calendar days from the date of receipt.
Flutue is not obligated to respond to all feedback messages received. It is exclusively up to Flutue's support and product team to select which contributions will be responded to, based on technical criteria, operational feasibility and relevance to product evolution.
Feedback content may be considered by the team for product improvement, new feature development and user experience enhancement, without generating any copyright, proprietary or remuneration rights for the sender.
Feedback messages do not replace official support channels for urgent matters related to account, payments or rights provided under applicable law.

25. Main legal references

Lei 13.709/2018 (LGPD — Brazilian Data Protection Law), including arts. 6, 7, 8, 9, 14, 18, 20, 33–37, 41 and 46–49.
Lei 12.965/2014 (Brazilian Internet Civil Rights Framework), especially arts. 7, 10, 11 and 15.
Decreto 8.771/2016 (regulation of the Internet Civil Rights Framework).
Lei 8.078/1990 (Brazilian Consumer Defense Code), especially arts. 6, 30, 31, 35, 49 and 51.
Lei 10.406/2002 (Brazilian Civil Code), especially arts. 113, 187, 421, 421-A, 422, 393 and 927.
Decreto 7.962/2013 (e-commerce regulation), when applicable.
Lei 8.069/1990 (Brazilian Child and Adolescent Statute), regarding the prohibition of use by minors.