Terms of Service

Last updated: June 29, 2026

This document is pending legal review. It is a faithful translation of Calen's Portuguese-language Terms of Use, produced ahead of the U.S. pilot so the App Store review and early users have an English reference. It has not yet been reviewed by a lawyer qualified in U.S. law, and several clauses below are written around Brazilian law (LGPD, the Brazilian Consumer Protection Code, a São Paulo forum) that will need to be revisited for international users — each is marked [LEGAL REVIEW] inline. Nothing below has been rewritten to invent a U.S.-law equivalent; that decision is left to counsel.

1. Introduction and acceptance

Calen is a personal finance organization platform operated by VINICIUS FREIRE BISPO SERVIÇOS ADMINISTRATIVOS LTDA ("Calen", "we"). These Terms of Use govern access to and use of Calen's mobile apps, web app, and website, in accordance with the Consumer Protection Code (Law No. 8,078/1990) and the General Data Protection Law (Law No. 13,709/2018 — "LGPD").

By creating an account or using Calen, you state that you have read, understood, and agree to these Terms and to our Privacy Policy, which is an integral part of this document. If you do not agree, do not use the service.

2. Definitions

• Platform: the Calen apps for iOS and Android, the web app, and the usecalen.com.br website.
• Open Finance: the standardized financial data-sharing system between authorized institutions, regulated by the Central Bank of Brazil.
• Pluggy: the Brazilian Open Finance connectivity provider, our partner responsible for the secure connection to your financial institutions.
• Stores: the App Store (Apple) and Google Play (Google), through which the mobile apps are distributed and subscriptions are purchased.
• RevenueCat: an in-app subscription management platform used by Calen to verify and activate subscriptions purchased through the Stores.
• Subscription: a paid plan (Personal, Plus, or Pro), billed monthly or annually, that grants access to the Platform.
• Calen Assistant: an AI assistant integrated into the Platform, based on language models (LLMs), that answers questions about your financial data.
• Financial Data: information about your accounts, transactions, balances, card statements, investments, and goals.

3. What Calen does — and what it isn't

Calen offers, among other features:

• Syncing accounts, cards, statements, and investments via Open Finance, and manual entry of transactions;
• Automatic and manual transaction categorization, with custom rules;
• Spending analysis, cash-flow projection, goals, and financial profiles (e.g., personal, couple, work);
• An AI assistant to query your data in natural language.

Calen is not a financial institution and never moves money under any circumstance. Every financial transaction happens exclusively through your bank's own channels. Calen also does not provide financial, investment, or tax advice — the analyses, projections, categorizations, and assistant answers are purely informational, may contain inaccuracies, and do not constitute professional recommendations. Data shown is obtained from financial institutions through third parties and may be delayed or inconsistent; confirm information with your institution before making important decisions.

4. Eligibility and registration

• You must be at least 18 years old and have full legal capacity.
• The service is intended for residents of Brazil.
• Registration is done with an email and password. You are responsible for keeping your credentials confidential and for all activity on your account, and must notify us immediately if you suspect unauthorized access.
• You agree to provide truthful information and keep it up to date.

5. Open Finance

The connection to financial institutions is made through Pluggy, in read-only mode: Calen does not carry out transactions, transfers, or any movement on your behalf. Your banking credentials are processed by Pluggy, under Central Bank rules — they never pass through Calen's servers and are not stored by us. You can revoke authorization at any time by disconnecting the institution within the Platform (Connections) or through your bank's own channels.

6. Plans and subscriptions

Access to Calen is through a paid subscription, in the Personal, Plus, and Pro plans (monthly or annual billing), which differ in limits such as the number of Open Finance connections and financial profiles. Current features and prices are shown on the plans screen in the app before purchase.

• Subscriptions are purchased exclusively through the Stores (App Store or Google Play). Payment is processed by Apple or Google, depending on the platform used — Calen does not receive or store your card data.
• Calen uses RevenueCat only to confirm the purchase and activate plan benefits.
• Displayed prices follow the respective Store's pricing table for Brazil.
• Price changes will be communicated at least 30 days in advance and do not affect a period already paid for.

7. Free trial, renewal, and cancellation

• Free trial: when eligible, you get a 7-day free trial when starting a subscription. Eligibility is determined by the Store (generally, one introductory offer per user). At the end of the trial, the chosen plan is billed automatically unless canceled at least 24 hours in advance.
• Automatic renewal: the subscription renews automatically at the end of each period (monthly or annual) until canceled.
• Cancellation: manage or cancel through the App Store or Google Play subscriptions area, depending on the platform used, up to 24 hours before renewal. Cancellation stops future charges, and access remains active until the end of the period already paid for.
• Canceling the subscription does not delete your account or your data — see Section 14 for account closure.

8. Refunds and right of withdrawal

Since payment is processed by Apple or Google, refund requests are reviewed and processed by the respective Store. On iOS, use reportaproblem.apple.com, and on Android use the Google Play refund center, subject to Store policy and applicable law.

Article 49 of the Consumer Protection Code guarantees a right of withdrawal within 7 (seven) calendar days of the purchase, with a full refund — this right cannot be waived by contract. If a request made to the Store within the legal deadline is not honored, write to contato@usecalen.com.br with the subject "Arrependimento CDC" and we will guide you through exercising this right.

9. AI Assistant

The Calen Assistant uses language models provided by Anthropic (United States). When you ask a question, the assistant may query your financial data (transactions, balances, categories, goals) to formulate the answer. Answers are generated by artificial intelligence, may contain errors or inaccuracies, and do not constitute financial advice. Conversation history is stored by Calen and can be deleted by you at any time. Under Article 20 of the LGPD, you can request a review of automated decisions — details in the Privacy Policy.

10. Availability and maintenance

We work to keep the Platform continuously available, but interruptions may occur due to scheduled maintenance, security updates, failures in integrations with partner financial institutions, or force majeure events. We do not guarantee uninterrupted availability.

11. Acceptable use

You agree not to use Calen for:

• Illegal or fraudulent activities, or activities inconsistent with Brazilian financial regulation;
• Trying to access third-party accounts, Calen's internal systems, or financial institutions' systems;
• Overloading our servers, exploiting vulnerabilities, or reverse-engineering the Platform;
• Sharing your account with third parties.

12. Intellectual property

Calen — including its brand, design, code, and content — is the property of the operator or its licensors, protected by intellectual property law. You receive a personal, limited, revocable, and non-transferable license to use it, valid while your account is active. Copying, modifying, distributing, or creating derivative works without express authorization is prohibited.

13. Limitation of liability

The Platform is provided "as is." To the extent permitted by law, we are not liable for financial decisions made based on the information shown, for inaccuracies in data originating from financial institutions or partners, for temporary unavailability of the service, or for indirect damages. Our total liability is limited to the amount you paid in the 12 months prior to the event.

Note: these limitations do not apply to cases of willful misconduct, gross negligence, violation of personal data protection duties, or other cases where the CDC or the LGPD prohibit excluding or limiting liability.

14. Account closure

• By you: at any time, in Profile → "Permanently delete account" inside the app, or by following the instructions at usecalen.com.br/en/delete-account. Your data is removed within 90 days; billing records may be retained for up to 5 years for tax obligations.
• Important: deleting your account does not automatically cancel your Apple subscription — also cancel it in Settings › Subscriptions to stop future charges.
• By Calen: we may suspend or terminate accounts in case of violation of these Terms, fraud, or an attempt to compromise the security of the service.

15. Final provisions

• Data protection: the handling of your data is governed by the Privacy Policy. You can exercise your LGPD rights (access, correction, deletion, portability, review of automated decisions) through the channels indicated there.
• Security incidents: in the event of an incident with material risk to your data, we will notify the ANPD (Brazil's data protection authority) and affected data subjects within 3 business days, per ANPD Resolution CD/ANPD No. 15/2024.
• Changes: material changes to these Terms will be communicated at least 15 days in advance, by email or notice on the Platform. Continued use after the effective date constitutes acceptance.
• Governing law and forum: these Terms are governed by Brazilian law. The forum of the judicial district of São Paulo/SP is elected, with waiver of any other.
• Severability: the invalidity of one provision does not affect the others.
• Contact: contato@usecalen.com.br.