Last updated: September 17, 2026

1. Acceptance of Terms

By downloading, installing, or using Favo Finance ("App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree, do not use the App.

These Terms constitute a legal agreement between you and FAVO FINANCAS LTDA ("Company," "we," "us," or "our"), a Brazilian company operating Favo Finance in the United States market.

2. Description of Service

Favo Finance is a personal finance management app that helps individuals and couples track expenses, manage budgets, and visualize financial data.

Important: Favo Finance is a productivity tool only. It does not provide financial advice, investment recommendations, or any regulated financial services. All financial decisions you make based on data in the App are solely your responsibility. We are not a bank, broker, financial advisor, or credit service.

3. User Accounts

• You must be at least 18 years old to create an account.

• You are responsible for maintaining the confidentiality of your login credentials.

• You are responsible for all activity that occurs under your account.

• Notify us immediately at [email protected] if you suspect unauthorized access.

• We reserve the right to suspend or terminate accounts that violate these Terms.

4. Subscriptions and Payments

4.1 Free and Paid Features

Favo Finance offers both free features and premium paid features, including Couples Mode. Paid features require an active subscription.