1. Acceptance of Terms
By accessing or using the NoteBalanceClaro application and website (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms constitute a legally binding agreement between you and OLR SOFTWARE SL (NIF B60658994), a Limited Liability Company registered in Barcelona, Spain ("Company", "we", "us", or "our").
2. Description of Service
NoteBalanceClaro is a budgeting and personal finance management tool that helps users track expenses, categorize spending, and manage budgets. The Service is provided on a freemium model:
- Free Tier: Core budgeting features available at no cost
- Pro Tier: Advanced features available through paid upgrade
We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice.
3. User Accounts and Registration
3.1 Account Creation
To use certain features, you must create an account. You agree to:
- Provide accurate, current, and complete information
- Maintain and update your information to keep it accurate
- Maintain the security of your password and account
- Notify us immediately of any unauthorized use of your account
3.2 Account Eligibility
You must be at least 16 years old to create an account. By creating an account, you represent that you meet this age requirement and have the legal capacity to enter into this agreement.
3.3 Account Responsibility
You are responsible for all activity that occurs under your account. We are not liable for any loss or damage arising from unauthorized use of your account.
4. Acceptable Use Policy
You agree NOT to use the Service to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others, including intellectual property rights
- Upload or transmit viruses, malware, or other malicious code
- Attempt to gain unauthorized access to the Service or related systems
- Use automated scripts, bots, or scrapers without our permission
- Interfere with or disrupt the Service or servers
- Impersonate any person or entity or misrepresent your affiliation
- Collect or harvest personal information from other users
- Use the Service for any commercial purpose without our written consent
Violation of this policy may result in immediate account suspension or termination.
5. Pricing and Payment Terms
5.1 Free Tier
The core features of NoteBalanceClaro are provided free of charge. We reserve the right to modify or discontinue free features at any time, with reasonable notice.
5.2 Pro Tier (Paid Upgrades)
Pro features are available through:
- One-time payments: Purchase specific features permanently
- Subscription plans: Monthly or annual recurring billing (if applicable)
All prices are listed in Euros (€) unless otherwise stated and include applicable VAT.
5.3 Payment Processing
Payments are processed by third-party payment providers (e.g., Stripe, PayPal). By making a purchase, you agree to their respective terms of service. We do not store your full credit card information.
5.4 Refund Policy
- One-time purchases: 14-day money-back guarantee (as required by EU consumer law)
- Subscriptions: Refunds are processed on a case-by-case basis within the first 7 days
- To request a refund, contact [email protected]
5.5 Cancellation
You may cancel subscriptions at any time. Cancellations take effect at the end of the current billing period. No refunds are provided for partial subscription periods unless required by law.
6. Intellectual Property Rights
6.1 Our Rights
The Service, including all content, features, functionality, software, text, graphics, logos, and trademarks, is owned by OLR SOFTWARE SL and protected by copyright, trademark, and other intellectual property laws.
6.2 Your Rights
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. This license does not include any right to:
- Resell or commercially exploit the Service
- Modify, reverse engineer, or create derivative works
- Copy, reproduce, or distribute the Service or its content
6.3 User Content
You retain ownership of all financial data and content you input into the Service ("User Content"). By using the Service, you grant us a license to store, process, and display your User Content solely to provide the Service to you. We will not share or sell your User Content to third parties (see our Privacy Policy).
7. Disclaimers and Limitations of Liability
7.1 "AS IS" Service
THE SERVICE 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.
7.2 No Financial Advice
IMPORTANT: NoteBalanceClaro is a budgeting tool only. It does NOT provide financial, investment, tax, or legal advice. You are solely responsible for your financial decisions. We are not liable for any financial losses, investment decisions, or outcomes resulting from your use of the Service.
7.3 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OLR SOFTWARE SL SHALL NOT BE LIABLE FOR:
- Any indirect, incidental, consequential, or punitive damages
- Loss of profits, revenue, data, or business opportunities
- Service interruptions, errors, or data loss
- Actions or omissions of third-party service providers
OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR €100, WHICHEVER IS GREATER.
7.4 EU Consumer Rights
Nothing in these Terms limits your rights under EU consumer protection laws, including rights to refunds, repairs, or replacements for defective digital content.
8. Data Privacy and GDPR Compliance
Your use of the Service is governed by our Privacy Policy, which describes how we collect, use, and protect your personal data in compliance with the EU General Data Protection Regulation (GDPR). By using the Service, you consent to our data practices as described in the Privacy Policy.
9. Termination
9.1 Termination by You
You may terminate your account at any time by contacting us at [email protected] or using the account deletion feature in the app.
9.2 Termination by Us
We may suspend or terminate your account immediately, without notice, if you:
- Violate these Terms or our Acceptable Use Policy
- Engage in fraudulent or illegal activity
- Fail to pay fees owed for Pro features
- Pose a security or legal risk to us or other users
9.3 Effect of Termination
Upon termination:
- Your access to the Service will be revoked
- Your data may be deleted after 30 days (unless required by law to retain longer)
- You may request a copy of your data before deletion (GDPR right to data portability)
10. Indemnification
You agree to indemnify, defend, and hold harmless OLR SOFTWARE SL, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your use of the Service
- Your violation of these Terms
- Your violation of any rights of another party
- Your User Content
11. Dispute Resolution and Governing Law
11.1 Governing Law
These Terms are governed by the laws of Spain and the European Union, without regard to conflict of law principles.
11.2 Jurisdiction
Any disputes arising from these Terms or the Service shall be resolved in the courts of Barcelona, Spain. However, EU consumers may also bring claims in the courts of their country of residence.
11.3 Alternative Dispute Resolution
Before initiating legal proceedings, we encourage you to contact us at [email protected] to attempt an amicable resolution. EU consumers may also use the European Commission's Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr.
12. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will notify you by:
- Posting the updated Terms on this page with a new "Last Updated" date
- Sending an email to registered users
- Displaying a prominent notice in the app
Continued use of the Service after changes constitutes acceptance of the updated Terms. If you do not agree to the new Terms, you must stop using the Service and may request account deletion.
13. 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. Entire Agreement
These Terms, together with our Privacy Policy and any additional agreements you enter into with us, constitute the entire agreement between you and OLR SOFTWARE SL regarding the Service.
15. Contact Information
If you have questions or concerns about these Terms, please contact us:
OLR SOFTWARE SL
Email: [email protected]
Address: Barcelona, Spain
NIF: B60658994