Terms and Conditions of Use

1. Who provides the service

Kyokai Technologies, located at Jacoman 8618 A, colonia Valle del Rubí, C.P. 22630, Tijuana, Baja California, Mexico.

• General email and complaints: info@financial-cc.com
• Technical support: soporte@financial-cc.com
• Website: https://financial-cc.com

2. Who may use it

Financial CC is intended for people aged 18 and over with legal capacity to contract. Each person uses their own account; someone who joins a household by invitation creates their own account and accepts these terms themselves.

3. What the service is

Financial CC is a personal finance app: it records accounts, cards, debts, transactions, budget, goals, investments, payroll and property, and reads statements you upload. It does not move money, has no access to your bank accounts and is not a financial institution.

The price shown beside the payment button is the total you pay; there are no extra charges.

• Standard: free, with the core features and the limits shown under Plan & billing.
• Premium: MXN 129 per month, VAT (IVA) included. Unlimited capacity, reports, insights and forecast.
• Premium Household: MXN 199 per month, VAT (IVA) included. Premium for everyone in the household with one payment.

4. Your account and your household

• Keep your sign-in details secret. If you suspect unauthorized use, write to us at once.
• If you join a household, its members can see your personal and shared records, as the Privacy Policy explains.
• You are responsible for the information you enter or import being yours, or for having permission to use it.

5. Buying Premium on the web

• Payment is by card through Stripe, our payment processor. We do not store your full card details.
• Recurring charge: when you subscribe you expressly authorize an automatic charge every month for the plan's price. The first charge is made on the day you confirm payment, and the following ones on the same date each month, until you cancel. We ask for that authorization separately, with its amount and date, before opening the payment page.
• Renewal notice: we email you at least 5 calendar days before each renewal so you can cancel it without penalty.
• Tax receipt: if you need an invoice (CFDI), email info@financial-cc.com with your tax details within the same month as the charge.

6. Purchases on iPhone

If you buy Premium in the iPhone app, Apple handles the charge, renewal, cancellation and refunds under its own terms. Manage or cancel that subscription in your Apple account settings. Deleting your Financial CC account does not cancel an Apple subscription.

7. Cancellation

You can cancel at any time, immediately and without penalty, under Settings → Plan & billing → Manage subscription & payments → Cancel subscription, then confirm. Once cancelled, no further charge is made and you keep Premium until the end of the period already paid; your account then moves to Standard and your data is kept.

8. Refunds

• If it is your first subscription, you can ask for a full refund of your first charge within the following 5 business days by writing to info@financial-cc.com. We refund it to the same payment method.
• Otherwise, periods already paid are not refunded pro rata, unless the law provides otherwise or the service was not provided for reasons attributable to us, in which case we compensate you under the Federal Consumer Protection Law.
• Refunds for purchases made on iPhone are handled by Apple.

9. Changes to the price or these terms

We will notify you by email and in the app at least 30 calendar days before a change to the price or to these terms applies to you. If you disagree, you can cancel before that date without penalty. A change never applies to a period you have already paid for.

10. Acceptable use

You may not: try to access other people's accounts or data; breach or probe the service's security without authorization; use it for unlawful activity; upload files with malicious code; or resell the service.

11. Your data and your documents

Your data is yours. You grant us only the permission needed to store and process it in order to provide the service. The processing of your personal data is governed by the Privacy Policy (https://financial-cc.com/privacidad).

12. The information is for guidance

• Financial CC organizes and calculates with the information you provide. It is not financial, investment, tax or legal advice, and it makes no personalized recommendations to buy or sell securities.
• Statement reading is automatic and may contain errors. If anything differs, your bank's or issuer's statement prevails. Check the information before making decisions with it. The app lets you correct what it reads and report a bank it cannot read.

13. Service availability

We work to keep the service continuously available, but it may be interrupted by maintenance or by failures of providers such as hosting, Apple, Stripe or your connection. Where possible, we announce maintenance in advance.

14. Liability

We are responsible for complying with these terms under Mexican law. Nothing in these terms limits your rights under the Federal Consumer Protection Law.

15. Suspension and termination

• You can delete your account whenever you like under Profile → Delete my account. If you have a Stripe subscription, it is cancelled before the deletion completes.
• We may suspend an account that breaches section 10, telling you why, unless giving notice first would put the security of the service or of other people at risk.

16. Intellectual property

The app, its design and its brand belong to Kyokai Technologies. These terms grant you no rights to them beyond using the service.

17. Complaints and clarifications

Write to info@financial-cc.com. We answer Monday to Friday, 9:00 to 18:00 (Pacific time), within 5 business days at most. You may also go to Mexico's Federal Consumer Protection Agency (PROFECO), including its online service Concilianet.

18. Governing law

These terms are governed by the laws of the United Mexican States, in particular the Federal Consumer Protection Law and the Commerce Code. Nothing in them limits PROFECO's authority or your right to go to the competent courts under the law.