Terms & Conditions
Last updated: 1 August 2026
1. Agreement
These Terms & Conditions (“Terms”) govern your use of the PayJuntos mobile application (“the App”). By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.
The App is provided by Renato Jobal (“we”, “us”). This agreement is between you and us. It is not an agreement with Apple or Google, who are not responsible for the App or its content.
2. What PayJuntos is
PayJuntos is a personal tool that helps you record and split shared expenses and see running balances between the people you track. It is a convenience and organization tool only.
3. Not financial, accounting, tax, or legal advice
Balances, splits, settlements, and currency conversions shown in the App are calculated from the information you enter and are provided for your personal convenience. They are not financial, accounting, tax, or legal advice, and are not a binding record of any debt or obligation between you and anyone else. You are solely responsible for verifying amounts and for any decisions, payments, or agreements you make. We are not a party to, and are not responsible for, any dispute between you and other people over shared expenses.
4. Licence
We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the App on devices you own or control, for your personal, non-commercial use, subject to these Terms and the app store's terms.
5. Your data
You are responsible for the data you enter. In this version, your data is stored locally on your device and is not backed up to any server; uninstalling the App deletes it. How the App handles data is described in our Privacy Policy, which forms part of these Terms.
6. Acceptable use
You agree not to: use the App for any unlawful purpose; reverse-engineer, decompile, or tamper with the App except as permitted by law; or use it in a way that could damage or impair the App or others' use of it.
7. Third-party data (exchange rates)
The App fetches currency exchange rates from a third-party service (Frankfurter, sourced from the European Central Bank). These rates are provided “as is”; we do not guarantee their accuracy, timeliness, or availability, and you should not rely on them for anything beyond casual conversion.
8. Intellectual property
The App, its name, logo, design, and content (other than the data you enter) are owned by us and protected by intellectual-property laws. These Terms do not transfer any of those rights to you.
9. “As is” — no warranty
The App is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including fitness for a particular purpose, accuracy, or non-infringement, to the fullest extent permitted by law. We do not warrant that the App will be uninterrupted, error-free, or that calculations will be free of mistakes.
10. Limitation of liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential damages, or for any loss of data, money, or goodwill, arising out of or relating to your use of (or inability to use) the App — including reliance on any balance, split, or conversion it displays.
11. Changes
We may update the App and these Terms from time to time. Material changes to the Terms will be reflected here with a new “last updated” date; continuing to use the App after a change means you accept the updated Terms.
12. Termination
You may stop using the App at any time by uninstalling it. We may suspend or end the App or your access to it if you breach these Terms or where required by law.
13. Governing law
These Terms are governed by the laws of Ecuador, without regard to conflict of law rules.
14. Apple / Google note
Where required by the app stores: the licence for the App is between you and us, not the store; the store has no obligation to provide support or handle claims relating to the App; and, for iOS, Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them.
15. Contact
Questions about these Terms: renatojobal@gmail.com