Terms of Service

1 Acceptance of these terms

By downloading, installing, or using the Fociter mobile application (the "App"), you agree to these Terms of Service (the "Terms"). If you don't agree to any part, don't use the App. These Terms form a binding contract between you and Fociter.

If you use Fociter on behalf of an organization (family, team, etc.), you accept these Terms on its behalf and represent that you have authority to do so.

2 Who can use Fociter

To use the App you must:

• Be at least 13 years old (or your country's minimum digital consent age — 16 in most of the EU).
• If you are a minor under your country's law, have a parent's or legal guardian's consent.
• Not be barred from receiving the service under applicable law.
• Provide truthful account information and keep it up to date.

3 Your account

To access Fociter you create an account via email/password or Google Sign-In. You are responsible for:

• The security of your password and any activity in your account.
• Notifying us at support@fociter.com if you suspect unauthorized access.
• Ensuring the information you input (habits, transactions, goals) is lawful and doesn't infringe third-party rights.

We may suspend or terminate accounts that violate these Terms, with no refund of remaining subscription time.

4 Plus subscriptions

4.1 Plans and pricing

Fociter Plus is offered as a monthly or annual subscription. Current prices are shown in Google Play in your local currency before you confirm the purchase. Pricing may vary by country and may include taxes depending on your jurisdiction.

4.2 Auto-renewal

Subscriptions auto-renew at the end of each period (month or year) for the same amount unless you cancel at least 24 hours before the end of the current period. Google Play charges the payment method on file with your account. Google Play sends an email notification before each renewal (typically 24–48 hours before for annual subscriptions, per their policy). If you don't receive the notification, contact Google Play, not Fociter.

4.3 How to cancel

You can cancel anytime from your Google Play account: Google Play Store → Your account → Subscriptions → Fociter Plus → Cancel. You retain access to Plus until the end of the paid period. Cancellation stops future renewals — it does not generate a refund of remaining time.

4.4 Refunds

Refunds are handled by Google Play under their refund policy (auto-refund within the first 48 hours after purchase). After 48 hours, refunds are at Google's discretion. Fociter does not process refunds directly.

Exception for residents of the EU, UK, Switzerland, and Norway: if local law grants you a 14-day right of withdrawal for digital services, that right prevails over Google Play's refund policy. To exercise it, write to support@fociter.com within 14 days of purchase and we'll process the refund directly, unless you have already started using the premium service with your express consent (in which case you lose the right under Art. 16(m) of Directive 2011/83/EU).

4.5 Price changes

If we change the price of an active subscription, we'll notify you by email and/or push notification at least 30 days in advance. If you don't accept the new price, you can cancel before the next renewal at no extra cost.

5 Acceptable use

You agree not to use the App to:

• Engage in illegal, fraudulent, or deceptive activities (including money laundering or pyramid schemes disguised as savings circles).
• Harass, intimidate, or threaten other users (especially in shared groups).
• Upload defamatory, obscene, racist, or IP-infringing content.
• Reverse-engineer, decompile, hack, or attempt to bypass technical protections (rate limiting, App Check, security rules).
• Use bots, scripts, or unauthorized automation to create accounts or flood the system.
• Resell, redistribute, or sublicense access to the App or its features.
• Scrape, copy, or extract data belonging to other users.
• Engage in commercial data mining, automated scraping, or training of artificial intelligence models with content from the App or from other users.

Violating these rules may result in immediate suspension without refund, content removal, and/or reporting to relevant authorities.

6 Your content

Everything you input into Fociter (habits, goals, transactions, group names, messages, etc.) remains yours. You grant us a limited, non-exclusive, royalty-free license to store, process, and display your content solely to operate the App (sync across devices, show it to members of shared groups where you added it, generate your personal analytics).

This license terminates when you delete your content or your account. Details on how we do this in our data deletion guide.

6.1 Your name in shared groups and savings circles

When you participate in a shared group or savings circle (tanda), your username remains visible to the other members in that group's history, even if you delete your account. We mark your entry with an "Account deleted" label, but your name stays.

Why do we do this? For safety and trust among group members. In a tanda or savings group, the other participants need to know who contributed, who received a cycle, or who paid what — that traceability is what makes participating with real money viable. If your name disappeared, other members would lose critical context to reconcile payments and maintain group trust.

What IS deleted when you delete your account: your email, profile picture, habits, goals, personal transactions, settings, and any data that isn't part of the shared financial history. Your name only persists within the groups where you participated — not anywhere else.

7 Fociter intellectual property

The App, the "Fociter" logo, name, visual design (including our neumorphism style), source code, and all associated materials are owned by Fociter and protected by copyright and trademark laws. We do not grant you any rights over them beyond use of the App under these Terms.

8 Privacy

How we collect, use, and protect your data is described in our Privacy Policy, which forms part of these Terms. We comply with GDPR, LFPDPPP (Mexico), CCPA, and equivalent laws.

9 Third-party services

Fociter uses third-party services (Google Firebase, Google Play, RevenueCat, Sentry, Google AdMob — Free plan only) to function. Your use of these services through Fociter is subject to their own terms. We are not responsible for third-party content, practices, or policies.

10 Warranties and liability

The App is provided "as is" and "as available", without express or implied warranties. We do not guarantee that the App is bug-free, available 100% of the time, or that it will meet all your expectations.

Fociter is not financial advice. The analytics, insights, balances, and projections shown by the App are informational tools — not professional investment, savings, or tax advice. For important financial decisions, consult a professional.

Savings circles (tandas) are private agreements between you and the group members. Fociter only provides the software for tracking — we are not custodians of the money, do not guarantee payments, and do not mediate disputes. Legal and financial responsibility of the group remains 100% between members.

To the maximum extent permitted by applicable law, our total cumulative liability to you for any claim related to the App is limited to the amount you paid for the subscription in the 12 months prior to the event giving rise to the claim.

This limitation does NOT apply to (a) damages caused by Fociter's gross negligence or willful misconduct, (b) breaches of data protection laws where the law prohibits limiting them, or (c) any other liability that applicable law does not allow to be excluded or limited.

11 Indemnification

You agree to indemnify and hold Fociter (including our team, contractors, and partners) harmless from any claim, damage, cost, or reasonable expense (including legal fees) arising out of your misuse of the App, your violation of these Terms, or your violation of third-party rights. This indemnification obligation does not apply to claims arising solely from Fociter's gross negligence or willful misconduct.

12 Termination

You can stop using Fociter anytime — just uninstall the App. To delete your account and data, follow the deletion instructions.

We may suspend or terminate your access if you violate these Terms, if law requires it, or if we discontinue the service (we'd give at least 30 days' notice in the latter case). After termination, sections that by their nature should survive (intellectual property, limitation of liability, indemnification, governing law) remain in effect.

13 Changes to these Terms

We may update these Terms to reflect changes in the App, in the law, or in our practices. When we make material changes (affecting your substantive rights), we'll notify you at least 30 days in advance via email or in-app notification. Minor changes (wording clarity, typo fixes) take effect upon publication.

Your continued use of the App after the effective date means you accept the updated Terms. If you don't agree, you must stop using the App.

14 Governing law and jurisdiction

These Terms are governed by the laws of the United Mexican States, without application of conflict-of-laws principles. Any dispute that cannot be resolved in good faith shall be submitted to the competent courts of Mexico City.

If you live in the European Union, United Kingdom, or another jurisdiction whose laws grant you non-waivable consumer rights, those rights are not affected by this clause.

Consumers in Mexico may, at their option, file complaints with the Federal Consumer Protection Agency (PROFECO) for free mediation before or instead of initiating court action. This right is governed by Mexico's Federal Consumer Protection Law and cannot be waived contractually.

15 Severability

If any provision of these Terms is held invalid or unenforceable by a competent court, the remaining provisions remain in full force. The invalid provision will be interpreted in the manner closest to its original intent that is legally valid.

16 Entire agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Fociter regarding use of the App, and supersede any prior agreement (oral or written) on the same subject.

17 Force majeure

Fociter is not responsible for failures or delays caused by events beyond its reasonable control, including natural disasters, widespread internet or power outages, government actions, armed conflicts, pandemics, large-scale cyberattacks, or service interruptions from upstream providers (Google Cloud, Firebase, RevenueCat).

18 Contact

Questions, doubts, or complaints about these Terms? Write to support@fociter.com. We respond on business days.