Terms and Conditions
Welcome to Arvo. These Terms and Conditions govern your access to and use of the Arvo mobile application ("App") and associated services. By creating an account or using our App, you agree to be bound by these Terms. If you do not agree, you should not use Arvo.
1. What is Arvo?
Arvo is a personal finance management tool that allows users to plan their financial year, record past and future transactions, import bank statements, create custom categories and monitor their balance and savings potential. The App was designed to provide you with financial organization and peace of mind.
2. Account Access and Registration
Minimum Age: To use Arvo, the user must be at least 18 years old or have reached the legal age of majority in their jurisdiction.
Accuracy of Information: The user undertakes to provide truthful and up-to-date information during registration.
Security: You are entirely responsible for maintaining the confidentiality of your login credentials (email and password) and for all activities that occur in your account.
3. Nature of the Service and Financial Disclaimer
Arvo is not a financial advisor: The App provides tools to help the user manage their own money, calculate balances and forecast expenses.
No information or notification displayed in the App constitutes financial, investment, legal or tax advice.
Responsibility for decisions: All financial decisions made based on the information organized in the App are the sole responsibility of the user.
4. Data Import and Bank Statements
Consent: By using the bank statement import feature, the user authorizes Arvo to process and categorize such data exclusively for the purpose of providing the service.
Read-Only Access: Arvo only reads and organizes the imported data. Our App has no authorization, nor the technological capability, to make transfers, payments or move funds on your behalf.
Privacy: The processing of your financial data is governed by our Privacy Policy.
5. Rules of Use
By using Arvo, the user agrees not to:
Use the App for illegal, fraudulent or unauthorized purposes.
Attempt to circumvent any security measure or attempt to access the application's source code.
Share or commercialize your account with third parties.
6. Intellectual Property
All rights, title and interest relating to Arvo (including design, logos, text, graphics and software) are the exclusive property of Arvo or its licensors. The user receives only a limited, non-exclusive and non-transferable license to use the App for personal purposes.
7. Limitation of Liability
Arvo is provided "as is". We strive to keep the App error-free and secure, but we do not guarantee that the service will be uninterrupted or free of faults.
Arvo shall not be liable for any financial losses, indirect damages or lost profits resulting from the use of or inability to use the App (for example, due to a failure in a reminder or an error in a calculation entered).
8. Cancellation and Account Termination
By the User: You may close your account and delete your data at any time through the App's settings.
By Arvo: We reserve the right to suspend or terminate your account if you violate these Terms, with reasonable prior notice.
9. Changes to these Terms
We may update these Terms occasionally. If we make material changes, we will notify the user through the App or by email before they take effect. Continued use of the App after such changes constitutes your acceptance.
10. Applicable Law and Dispute Resolution
These Terms are governed by Portuguese Law. For the resolution of any dispute arising from the use of Arvo, the courts of the Porto district shall have jurisdiction, with express waiver of any others.
Effective date: 11/03/2026