Terms of Use
These terms govern the use of Saldin, offered by PEDRO HENRIQUE CAMPOS DIAS PHCD, CNPJ 42.201.188/0001-86, based in Brasília (DF), Brazil. By creating an account or using Saldin, you agree to them and to the Privacy Policy. The Portuguese version prevails.
The service
Saldin is an app for organizing personal and small-business finances: you record or import accounts, cards, bills, transactions, budgets and goals, and the app calculates balances, bills and reports from that data.
- Saldin does not move money, does not access your bank accounts and is not a financial institution.
- Saldin does not provide financial, accounting, tax or investment advice. The figures it shows come from what you recorded or imported; check them before making decisions.
Your account
- You must be 18 or older and provide truthful information.
- You are responsible for protecting access to your account: your password, passkeys, and the Apple or Google accounts you sign in with.
- API keys and connected apps you authorize act on your behalf, within the personas and permissions you choose, until you revoke them.
- If you suspect unauthorized access, write to contato@saldin.app.br.
Plans and subscription
- The Free plan costs nothing and limits personas, accounts and cards. Saldin Pro removes those limits and enables the assistant and AI search, API keys and access by AI agents (MCP).
- Pro is a monthly or annual subscription sold through the App Store. The price is shown in the app before you buy, and Apple charges your Apple Account when you confirm.
- The subscription renews automatically at the end of each period, for the same length, unless you cancel at least 24 hours before it ends. Cancel in your Apple Account's subscription settings, or in Saldin under Settings, Account, Plan. After you cancel, Pro stays on until the end of the period already paid.
- Refunds for App Store purchases are requested from Apple at reportaproblem.apple.com, without prejudice to your rights under Brazil's Consumer Protection Code.
- The subscription belongs to your Saldin account: it applies wherever you sign in with that account.
- When Pro ends, everything you recorded stays visible and editable. You just cannot create personas, accounts or cards beyond the Free limits, and the assistant, AI search, API keys and access by AI agents stop.
- If the price changes, Apple tells you before the renewal, under its own rules.
Your data
The financial data you record is yours. We use it only to provide the service, as the Privacy Policy describes. You can export it at any time as CSV, Excel, OFX and PDF.
Artificial intelligence
Saldin Pro's assistant, AI search and analyses use models from third-party providers, as the Privacy Policy describes. Answers and analyses can contain mistakes: check the amounts in the transactions they point to before you decide. The assistant only reads your data and changes a transaction only when you approve the change it proposes. You can turn artificial intelligence, or just the analyses, off in the app's settings at any time.
When you connect Saldin to ChatGPT, Claude or another agent, that agent can read or change data within the personas and permissions you approved. The agent service may retain messages and results under its terms and your account settings. Revoking the connection in Saldin prevents new access, but does not erase anything already retained by the agent service.
Deleting your account
You can delete your account in the app at any time. You have 14 days to change your mind, after which your data is permanently erased. Deleting the account does not cancel an App Store subscription, and Saldin cannot cancel it for you, so the app asks you to cancel the subscription before deleting the account.
Acceptable use
Do not use Saldin for illegal activities, do not try to access other people's data, do not interfere with the service, and do not exceed the API's usage limits through automation. We may suspend an account that breaks these terms, telling you whenever possible.
Availability
We work to keep the service available and your data safe, but we do not guarantee uninterrupted operation. The app keeps working offline with the copy of your data on your iPhone. We may change or retire features; relevant changes to what Pro offers will be announced in advance.
Liability
To the extent the law allows, we are not responsible for decisions made based on the figures in the app or for results of data recorded or imported incorrectly. Nothing in these terms limits your rights as a consumer.
App license
The iPhone app is licensed under Apple's standard End User License Agreement, supplemented by these terms.
Changes to these terms
When these terms change, we will update this page and the date at the top. Relevant changes will be announced in the app or by email before they take effect.
Law and jurisdiction
These terms are governed by Brazilian law. The courts of your place of residence have jurisdiction.
Contact
Write to contato@saldin.app.br.