Terms of Use

Welcome to Smart Allowance (Mesada Inteligente)! These Terms of Use govern access to and use of our platform. By creating an account and using our services, you fully agree to these terms.

IMPORTANT: Read this document carefully before using the platform. If you do not agree with any part of these terms, do not use our services.

1. Definitions

For the purposes of these Terms of Use:

• Platform: The Smart Allowance service, accessible via the web and mobile devices.
• User or You: An individual over 18 years of age who creates and maintains an account on the platform.
• Parent/Guardian: A father, mother, or legal guardian who registers children and adolescents on the platform.
• Child or Adolescent: A person under 18 years of age registered by their legal guardian.
• Services: All features offered by the platform, including task creation, gamification, points tracking, and rewards.
• Content: Text, images, photos, data, and other information entered by users on the platform.

2. About Smart Allowance

Smart Allowance is a digital platform offered under the Software as a Service (SaaS) model, designed for organizing family chores, gamification, points tracking, rewards, and allowance management, with an educational focus.

The platform allows parents and guardians to:

• Create custom tasks for their children.
• Track progress and approve completed tasks.
• Award points and manage rewards.
• Use gamification to encourage responsibility and financial education.

IMPORTANT: Smart Allowance is an educational tool and does not offer financial services or handle real money, nor does it replace professional advice from educators, psychologists, or financial advisors.

3. Acceptance of the Terms

By creating an account, you represent that:

• You are over 18 years of age and have the legal capacity to enter into contracts.
• You have read, understood, and fully agree to these Terms of Use.
• You have read and agree to our Privacy Policy.
• You take responsibility for the use of the platform and for the data you register.

4. Registration and Account

4.1. Account Creation

To use the platform, you must create an account by providing true, accurate, and up-to-date information, including your name, email address, and password.

4.2. Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials (email and password).
• All activity carried out through your account.
• Immediately notifying Smart Allowance of any unauthorized use or security breach.

4.3. Registration of Children and Adolescents

Only legal guardians may register children and adolescents on the platform. Registration requires specific and prominent consent as required by the Brazilian General Data Protection Law (LGPD).

5. Appropriate Use of the Platform

5.1. User Obligations

By using the platform, you agree to:

• Provide true information and keep it up to date.
• Use the platform exclusively for lawful purposes and in accordance with these Terms.
• Respect Smart Allowance's intellectual property rights.
• Not share login credentials with third parties.
• Immediately report any technical or security issues.

5.2. Prohibited Use

The following is strictly prohibited:

• Using the platform for illegal or unauthorized activities.
• Violating intellectual property rights, privacy rights, or any other rights of third parties.
• Attempting to access restricted areas of the platform or related systems without authorization.
• Sending viruses, malware, or any malicious code.
• Reverse engineering, decompiling, or disassembling any part of the platform.
• Using the platform to harass, threaten, or harm other users.
• Publishing content that is offensive, discriminatory, pornographic, or that violates children's rights.
• Using bots, scripts, or automated tools to access the platform.
• Copying, reproducing, or distributing platform content without authorization.

6. Subscription and Payment

6.1. Free Trial Period

We offer a 40-day free trial period for new users. During this period, you have full access to all platform features.

6.2. Premium Plan

After the trial period ends, your subscription will automatically convert to the premium plan, and renews on its own. It is offered on a monthly or yearly basis, and the price varies by country. The App Store or Google Play always shows the exact amount in your own currency, along with the billing period, before you confirm the purchase — that is the price that applies to you.

If the price changes, the store notifies you and asks for your agreement before charging the new amount on a renewal, as its own rules require.

6.3. Payment Processing

Subscriptions are sold and processed by the App Store or Google Play. Apple or Google is the merchant of record, charges the payment method on your store account and holds those details; we never receive them and never store credit card data.

6.4. Automatic Renewal

Your subscription renews automatically at the end of each period — monthly or yearly, whichever you chose — unless you cancel at least 24 hours before the renewal date. The charge goes to the payment method held by whoever sold you the subscription: the App Store or Google Play.

6.5. Cancellation

You may cancel at any time, and where you cancel depends on where you bought:

• App Store: iPhone or iPad Settings → your name → Subscriptions → Smart Allowance.
• Google Play: Play Store app → profile icon → Payments & subscriptions → Subscriptions → Smart Allowance.

We cannot cancel a store subscription for you — only the store can. Cancellation takes effect at the end of the current billing period, and you keep access until that date.

IMPORTANT: Cancellations made during the free trial period prevent any future charges.

6.6. Refunds

We do not offer refunds for subscriptions already paid, except where the law where you live requires it:

• European Economic Area and United Kingdom: the 14-day right of withdrawal for distance contracts (Directive 2011/83/EU, and the equivalent UK rules). If you ask us to start the service during that period, you may owe the proportion already used.

Purchases made through the App Store or Google Play follow the refund rules of each store, and are requested there rather than with us.

7. Intellectual Property

All platform content, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the exclusive property of Smart Allowance or its licensors and is protected by Brazilian and international copyright and intellectual property laws.

7.1. License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the platform for personal, non-commercial purposes, subject to these Terms of Use.

7.2. User Content

You retain ownership of the content you upload to the platform (evidence photos, notes, etc.). By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, and process that content solely for the purpose of providing the services.

8. Changes to the Platform

Smart Allowance may, at any time, make improvements, updates, fixes, and adjustments to the Platform, including modifying, updating, adding, or discontinuing features, in order to enhance the User experience and/or meet technical, operational, legal, or security requirements.

• We may perform scheduled or emergency technical maintenance, which may cause temporary unavailability.
• New features or services may be added and rolled out progressively.
• Features may be changed or discontinued, provided such changes do not disproportionately harm the User or defeat the essential purpose of the Platform.
• Changes to prices and commercial terms will be communicated at least 30 (thirty) days in advance.

Whenever relevant changes materially affect the use of the Platform, we will make reasonable efforts to inform the User in advance, via the website, the registered email address, or an in-platform notice.

9. Privacy and Data Protection

The processing of personal data is governed by our Privacy Policy, which is an integral part of these Terms of Use.

By using the platform, you agree to the collection, use, and storage of data as described in the Privacy Policy, in full compliance with the Brazilian General Data Protection Law (LGPD — Law No. 13,709/2018).

10. Limitations of Liability

10.1. "As Is" Service

The platform is provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

10.2. Educational Use

Smart Allowance is an educational and family organization tool. We do not replace professional advice from educators, psychologists, financial advisors, or other professionals.

10.3. Responsibility for Decisions

We are not responsible for:

• Decisions made based on the use of the platform.
• Family conflicts or behavioral issues related to the use of the rewards system.
• Educational outcomes or changes in children's behavior.
• Indirect, incidental, special, or consequential damages.
• Data loss due to technical issues (we perform regular backups, but we recommend that you keep your own records).

10.4. Availability

Although we strive to keep the platform available 24/7, we do not guarantee uninterrupted or error-free operation. Scheduled and emergency maintenance may cause temporary unavailability.

10.5. Cap on Liability

Our total liability to you, regardless of the cause of action, will not exceed the amount you paid over the last 12 months of subscription.

11. Termination

11.1. Termination by You

You may close your account at any time through the platform settings or by contacting us at contact@smartallowance.app.

11.2. Termination by Us

We reserve the right to suspend or terminate your account immediately, without prior notice, if:

• You violate any provision of these Terms of Use.
• Fraud or illegal activity is suspected.
• Your account remains inactive for more than 12 months.
• Payment is in default.
• You use the platform in an abusive manner or in a way that harms other users.

11.3. Consequences of Termination

After your account is terminated:

• Your access to the platform will be immediately revoked.
• All data may be deleted after 30 days, in accordance with our Privacy Policy.
• Subscription charges will cease after the current billing period.
• You will not be entitled to a pro-rated refund (except in cases covered by the right of withdrawal).

12. Changes to these Terms of Use

We may update these Terms of Use from time to time. Significant changes will be communicated by email or through an in-platform notification at least 10 days in advance.

Continued use of the platform after the changes take effect constitutes your acceptance of the new terms. If you do not agree with the changes, you must close your account before the effective date.

We recommend reviewing these Terms regularly. The date of the last update is indicated at the top of this page.

13. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the Federative Republic of Brazil, in particular:

• The Brazilian General Data Protection Law (LGPD — Lei Geral de Proteção de Dados, Law No. 13,709/2018)
• The Brazilian Internet Civil Framework (Marco Civil da Internet, Law No. 12,965/2014)
• The Brazilian Consumer Protection Code (Código de Defesa do Consumidor, Law No. 8,078/1990)
• The Brazilian Child and Adolescent Statute (Estatuto da Criança e do Adolescente, Law No. 8,069/1990)
• The Brazilian Civil Code (Código Civil, Law No. 10,406/2002)

The courts of the judicial district of São Paulo, SP, Brazil, are hereby elected to settle any disputes arising from these Terms, without prejudice to the User's/Consumer's right to file suit in the courts of their own domicile, where applicable.

14. General Provisions

14.1. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Smart Allowance.

14.2. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14.3. No Waiver

Failure to enforce any provision of these Terms does not constitute a waiver of the right to enforce it at a later time.

14.4. Assignment

You may not assign or transfer your rights and obligations under these Terms without our prior written consent. We may assign our rights to any affiliate, subsidiary, or successor.

14.5. Relationship

Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and Smart Allowance.

15. Contact

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Last updated: August 22, 2026
Version 1.0