Terms of Use

PlanoQuita is a personal financial organization app that assists with planning and paying off debts. The service includes: debt registration and organization, automated financial diagnosis, suggested payoff strategies (Smallest Balance First, Highest Interest First and Urgency First), payment tracking, and weekly check-ins. PlanoQuita DOES NOT constitute professional financial, accounting or legal advice. It DOES NOT perform banking operations, loans, or financial transactions. It is NOT liable for financial decisions made by the user based on information provided by the application.

To use PlanoQuita, you must create an account by providing truthful, complete and up-to-date information, including name, date of birth, email and password. You are solely responsible for keeping your credentials confidential and for all activities performed in your account. In case of unauthorized use or suspected security breach, you must notify PlanoQuita immediately.

PlanoQuita is intended exclusively for individuals aged 18 years or older, with full civil capacity to enter into contracts under the Brazilian Civil Code. By creating an account, you declare, under penalty of law, that you are 18 years of age or older and that the information provided in the registration, including your date of birth, is truthful. Age is checked solely on the basis of that declaration, at the moment of registration: we have no way to verify your age by any other means. If we receive a report or any indication that the account belongs to a person under 18 years of age, we investigate and, once the situation is confirmed, we block access and delete the personal data, subject to legal retention obligations. Parents, legal guardians, or third parties who identify improper use by a minor may request deletion through privacidade@planoquita.com.br.

You agree to use the application only for personal and lawful purposes, in accordance with these Terms and applicable Brazilian legislation. The following is expressly prohibited: attempting to access restricted areas of the system; reverse engineering, decompiling or modifying the application; using bots, scrapers or automated tools; interfering with the operation or security of the application; using data from other users without authorization; reproducing, distributing or commercializing content of the application.

All content of PlanoQuita, including but not limited to text, graphics, logos, icons, images, calculation algorithms, source code and software, is the exclusive property of PlanoQuita or its licensors and is protected by Brazilian intellectual property laws (Law No. 9,610/1998 and Law No. 9,609/1998). Use of the application does not grant the user any ownership rights over the content or technology used.

PlanoQuita is a financial organization and planning tool. The diagnoses, plans and timeframes presented by the application are estimates calculated from the data you yourself provide. They are not a guarantee of result, they are not a promise of payoff within a set timeframe, and they do not constitute financial, accounting or legal advice. The decision to pay, renegotiate or prioritize a debt is always yours.

IMPORTANT, PLEASE READ CAREFULLY. To the extent permitted by Brazilian law, PlanoQuita is not liable for: financial losses arising from decisions you made based on the application's estimates; calculation inaccuracy caused by incorrect, outdated or incomplete data provided by you; the conduct of third parties, including creditors, banks, debt collection firms and public bodies; charges, fines or interest imposed by those third parties.

This limitation does not exclude PlanoQuita's liability for defects in the service itself, for security failures in safeguarding your data, or for damage caused by our willful misconduct or negligence. Nothing in these Terms waives the rights granted to you by the Brazilian Consumer Protection Code (CDC, Law No. 8,078/1990), which are non-waivable and prevail over any provision to the contrary. If you identify a calculation error or a failure in the application, write to oi@planoquita.com.br: we will investigate and respond.

PlanoQuita is offered as described in these Terms and on the application's page in the app store. We work to keep the service available, correct and secure, but we cannot guarantee uninterrupted operation: the application depends on an internet connection, on your device, on the operating system and on third-party services we do not control. Scheduled maintenance and emergency interruptions may occur.

What the application calculates depends entirely on what you provide. Balance, installment, interest rate and due date are entered by you and are not verified with the creditor. Wrong data produces a wrong plan. Check your contracts and statements before deciding.

Part of the text that explains your diagnosis and your plan is generated by artificial intelligence from your figures. That text translates the calculation into plain language, it does not replace the calculation itself, and it does not replace guidance from a professional. The plan also ages: if you stop recording your payments, it stops reflecting your real situation, and the application starts flagging the plan as outdated.

The legal warranty set forth in Articles 24 and 26 of the Brazilian Consumer Protection Code applies in full and is not waived by any provision of these Terms.

PlanoQuita reserves the right to modify these Terms of Use at any time. Changes will be communicated via in-app notification or by email at least 15 (fifteen) days before they take effect. Continued use of the application after the effective date of the changes constitutes acceptance of the new terms. If you do not agree with the changes, you may close your account before they take effect.

You may cancel your account and stop using PlanoQuita at any time through the Profile > Delete Account section in the app, at no cost and without having to give a reason. After deletion, your data will be handled as described in the Privacy Policy.

PlanoQuita may suspend or terminate your account in the event of: breach of these Terms of Use; fraudulent or illegal use, or use that compromises the security of the service; a court order or an order from a competent authority. Suspension may be immediate when necessary to contain fraud, a security risk, or to comply with a court order.

We will notify you at your registered email address, stating the reason, except where such notice is prohibited by law or by court order. You may contest the decision by writing to oi@planoquita.com.br: we will review the request and, if the suspension was unwarranted, we will restore your access. Suspension does not prevent you from exercising your data subject rights set out in the Privacy Policy, including the request to delete your data.

In accordance with Article 49 of the Brazilian Consumer Protection Code (CDC, Law No. 8,078/1990), you may withdraw from the service within 7 (seven) calendar days of contracting, without need for justification. To exercise this right, contact us at oi@planoquita.com.br or use the Profile > Delete Account option in the app. After withdrawal, your data will be handled according to the Privacy Policy.

These Terms of Use are governed by the laws of the Federative Republic of Brazil, in particular the Consumer Protection Code (Código de Defesa do Consumidor, CDC, Law No. 8,078/1990), the Brazilian Civil Rights Framework for the Internet (Marco Civil da Internet, Law No. 12,965/2014) and the Brazilian General Data Protection Law (Lei Geral de Proteção de Dados, LGPD, Law No. 13,709/2018). To resolve any disputes arising from these Terms, the competent forum (Foro) shall be the one of the user's domicile, as provided in Article 101, I of the Consumer Protection Code.

In compliance with Article 31 of the Consumer Protection Code and Article 9, III of the LGPD:

Corporate name: Christopher Dopona Lopes (sole proprietor) Trade name: PlanoQuita CNPJ: 33.555.347/0001-50 Registered office: Schroeder, SC, Brazil General email: oi@planoquita.com.br Privacy: privacidade@planoquita.com.br Data Protection Officer (DPO): dpo@planoquita.com.br