These terms govern the use of Cuaderno de Deudas (the "App"). By creating an account or using the App you accept these terms and the Privacy Policy. If you do not agree, do not use the App.
1. Owner and acceptance
These terms are entered into with Antonio Sánchez, natural person, located in Peru (the "Owner"). The tax ID will be published when Pro plan charges begin. If you use the App on behalf of a business, you represent that you have authority to bind it to these terms.
2. Where it is available
The App is offered in Spanish-speaking countries in the Americas and in the United States. The Google Play listing shows the enabled countries. If your country is not listed, you should not download it from outside the store.
Nothing in these terms limits mandatory rights granted by your country's law, including consumer and data protection rights. If a clause conflicts with local law, local law prevails.
3. What the App is (and is not)
The App is a record-keeping and organization tool for credit sales, loans, payments and customers for small businesses.
The App is not:
- A financial institution, bank, credit union or cooperative.
- A credit-granting service. The Owner does not lend money.
- A collection service. The App does not collect, call or write to debtors.
- A credit scoring or risk assessment service.
- Legal, accounting, tax or financial advice.
- A payment method. Payments are recorded, not processed.
You are solely responsible for the business decisions you make, the credit you grant, the rates or interest you agree and their collection. The App does not guarantee that a customer will pay.
4. Account and security
- You must be over 18 and have legal capacity.
- You must provide a valid email and keep it updated.
- You are responsible for the confidentiality of your password and your account activity.
- You can enable PIN and biometrics to lock the App on your device.
- You must notify us immediately if you suspect unauthorized access.
- An account is personal or belongs to a business; do not share it with third parties outside the business.
5. Plans, payments and renewal
5.1 Free beta
The App is in a free beta for a limited time. There is no fixed number of users or published charging date: the Owner will decide when to move to a subscription and will notify users in the App and on the Google Play listing at least 30 days in advance.
Accounts created during the beta do not acquire a permanent right to free service unless expressly stated in writing. When the beta ends, accounts may subscribe to the Pro plan under the conditions shown before payment.
5.2 Free plan
The free plan has the limits shown in the App. We may adjust them with reasonable advance notice.
5.3 Pro plan
If charged:
- The price, period and currency are shown before confirming the purchase.
- Payment is processed with Google Play Billing and is subject to Google Play's conditions.
- The subscription renews automatically unless you cancel before the end of the period, from Google Play → Subscriptions.
- Cancellation stops renewal; you keep access until the end of the paid period.
- Refunds are governed by Google Play's policy and the rights granted by law.
- If we change the price, we will notify you at least 30 days in advance and you can cancel before the change.
5.4 Taxes
Prices may or may not include taxes depending on the country. While the App is free, no receipts are issued for subscriptions. When charges begin, receipts required by applicable regulations will be issued.
6. Acceptable use
You may use the App to keep a record of your credit sales and customers.
You may not:
- Use the App to harass, threaten, extort or publicly expose a debtor.
- Write to family members, neighbors, employers or other third parties to collect.
- Send mass messages or messages outside reasonable hours.
- Record people's data without a legal basis to do so.
- Record sensitive data (health, religion, politics, sexual orientation, biometric data) of your customers.
- Impersonate another person or business.
- Upload illegal, defamatory, obscene content or content that violates third-party rights.
- Attempt to access other accounts' data, bypass access rules or reverse engineer the App.
- Extract data automatically, resell the service or use it to build a competing product.
- Use the App for usury, money laundering or terrorist financing.
Respectful collection. Peruvian law sanctions abusive collection methods (Consumer Protection and Defense Code, article 62). The App only opens WhatsApp with a message you review and send. You are responsible for its content, timing and frequency. We recommend identifying the business, explaining the debt and offering a way to stop receiving messages.
7. Your customers' data
When you record your customers' data:
- You represent that you have a legal basis to process it (consent, performance of the commercial relationship or another basis provided by law).
- You agree to inform them what data you record and why.
- You agree to keep the data accurate and up to date.
- You agree to handle their access, rectification, deletion and objection rights.
- You understand that the Owner acts as a processor of that data and only processes it to provide the service.
Per-customer deletion. You can delete a customer without closing your account. The App will delete their name, phone, photo, credit limit, credit sales, payments and notes from the database and your devices. It will keep only an identifier without personal data so the deletion propagates to the other phones. If the customer has an outstanding debt, the App does not allow deletion: you must first settle or offset it. This prevents losing a real debt record.
8. Your content
You retain ownership of the data and files you enter ("Content").
You grant us a limited, non-exclusive and revocable license to host, sync, copy and display the Content only to operate the App for you. This license ends when you delete the Content or your account, except for copies we must retain by law or in backups until they rotate.
We do not use your Content to train artificial intelligence models or for advertising.
9. Intellectual property
The App, its design, code, brand and texts belong to the Owner or its licensors. You may not copy, modify or distribute them without permission.
The included open-source fonts and libraries are governed by their own licenses. You can request the list of components at [email protected].
10. Availability and changes
- The App works offline and syncs when there is a network. Sync may be delayed or fail for reasons beyond the Owner's control.
- We do not guarantee uninterrupted availability or freedom from errors.
- We may improve, change or remove features. If the change is material, we will notify you with reasonable advance notice.
- If we decide to close the service, we will notify you at least 60 days in advance so you can export your notebook to CSV.
11. Backups and data loss
The App keeps a local copy and syncs with the server. Even so, you must export your notebook periodically (Settings → Export CSV). We are not responsible for losses caused by device damage, data deletion, uninstalling without syncing or third-party failures.
12. Suspension and termination
We may suspend or close your account if:
- You breach these terms or the law.
- You use the App for harassment, fraud or abusive collection.
- You put the security or operation of the service at risk.
- A competent authority requires it.
Where reasonable, we will notify you and give you time to export your data. You can close your account at any time from Settings.
13. Warranties and liability
The App is provided "as is" and "as available". To the extent permitted by law, we do not warrant merchantability, fitness for a particular purpose, accuracy of calculations or commercial results.
Amounts, balances and reports depend on the data you enter. Review your records before making decisions or claiming a payment.
To the extent permitted by law, the Owner is not liable for indirect, incidental, special or consequential damages, or for lost profits, lost customers or data loss resulting from misuse. The Owner's total liability for claims related to the App will not exceed the amount paid by the user in the previous 12 months.
Nothing in this section limits consumer rights granted by your country's law, or liability for willful misconduct or gross negligence.
14. Indemnity
You agree to hold the Owner harmless from third-party claims (including your customers) arising from:
- Data you record without a legal basis.
- The content of messages you send.
- Misuse of the App.
- Breach of these terms or the law.
15. Governing law and claims
These terms are governed by the laws of the Republic of Peru. However, if you use the App as a consumer in another country, you keep the mandatory rights of your country, including consumer and data protection rights.
If you are a consumer in Peru, you can file a complaint with INDECOPI. In other countries you can contact the local consumer authority. Nothing here limits your right to go to court.
Before suing, please write to [email protected] so we can try to resolve the issue in good faith.
16. Changes to the terms
We may update these terms. We will publish the new version with its date and notify you in the App or by email if the change is material, with at least 30 days' notice where possible. If you do not accept the change, you can stop using the App and close your account.