Cifrova Personal · Terms of Service
These terms are the agreement between you and Marquez Consulting Unipessoal Lda, NIF 516048538, Rua Ilha de Santiago, Lote A46C, 8200-317 Albufeira, Portugal ("we", "us"), for the use of Cifrova Personal (the "Service"). By creating a household or using the Service you accept them. If you use the Service on behalf of someone else in your household, you confirm they agree too.
1. What the Service is
Cifrova Personal is a home budgeting service. It reads bank movements you connect through a licensed open-banking provider, files them into categories, keeps budgets, goals, loans and a net worth view, and sends you summaries by email. Parts of it use artificial intelligence (Claude, by Anthropic) to suggest categories, write summaries and, with the Advisor add-on, answer questions about your own numbers.
The Service is a tool for keeping track of your money. It is not financial, investment, tax or legal advice, and nothing it shows or writes is a recommendation to buy, sell or hold anything. Prices of listed and crypto assets come from public sources and may be delayed or wrong. Check anything that matters with a qualified professional before acting on it.
2. Your account and your household
- You must be at least 18 and able to enter a contract. Sign-in is by email link or Google when configured; keep your email account secure, as anyone with access to it can sign in as you.
- A household is the space where the data lives. Its owner can invite members, choose the plan, export and delete the household. Members see the same data.
- You are responsible for the accuracy of what you enter and for keeping your bank consents current. We cannot see or change anything at your bank; the connection is read-only.
3. Bank connections
Bank data reaches the Service through Fintable, an open-banking aggregator operating under the PSD2 framework, with your explicit consent given to Fintable. Consents last up to 90 days and you renew them in Fintable. We do not hold your bank credentials. Coverage depends on the aggregator and on your bank; if a bank is not supported, you can import statements by file instead. Availability of the feed is not something we control, and an interruption at the aggregator or the bank is not a fault of the Service.
Included bank connections for new customers are still being prepared. Until the partner arrangement is available, Fintable requires its own account and plan.
4. Plans and payment
- Free plan. New households receive a permanent free plan with one selected account, basic budgeting, all movements for that account, support and the affordability calculator. No card is needed. Goals, Your Path and Cifrova-funded AI require a paid plan. Existing trials keep their original end date and then move to free access.
- Personal plan. A subscription billed monthly or yearly through Stripe. It renews automatically at the price shown at checkout until you cancel from Plan and billing. Cancelling stops the next charge; paid features remain available until the end of the period already paid, then the household moves to the free plan.
- Lifetime plan. A single payment of 199 € gives one household lifetime access to the Personal plan, with no monthly or annual renewal. This limited offer is personal to one household and cannot be transferred. The Advisor is not included and remains an optional subscription. Any existing annual founders subscription retains the terms agreed at its purchase.
- Advisor add-on. A subscription on top of a paid Personal or Lifetime plan, with a monthly limit of questions shown on the billing page. Unused questions do not carry over.
- Prices and VAT. Prices are in euros. VAT is added or included as shown at checkout, depending on your country. We may change prices with 30 days' notice by email; the new price applies from your next renewal, and you can cancel before it.
- Payment provider. Payments are processed by Stripe; we do not see or store card numbers.
5. Thirty-day guarantee, withdrawal and refunds
Thirty-day money-back guarantee. Any first payment, including the one-time Lifetime purchase, is refunded in full if you ask within 30 days of it, no reason needed. A full refund of the Lifetime purchase ends the access granted by that purchase. Write to info@cifrova.com from the email of your account; the refund goes back the way it was paid within 10 working days. This goes beyond the 14-day right of withdrawal EU consumers have by law, which you keep in any case; because the Service starts at once, you agree that it begins during the withdrawal period. After the 30 days, renewals are not refunded except where the law requires it or the Service was unavailable for a significant part of the period paid; cancelling stops the next charge and the Service runs to the end of the period paid.
6. Acceptable use
Do not use the Service to break the law, to access data that is not yours, to probe or overload it, to resell it, or to feed the AI features with content meant to deceive. Do not connect accounts you are not entitled to see. We may suspend a household that does any of this, after telling you where we can.
7. Your data
Your data belongs to you. We process it to run the Service, as described in the Privacy Policy, which is part of these terms. You can export everything as files at any time from Settings, and delete the household, which erases its data as described there. We do not sell your data and we do not use your bank data to train AI models.
8. Availability and changes
We aim to keep the Service running at all times but do not promise it will be uninterrupted or error-free. We may change or retire features; if a change removes something essential to a paid plan, you may cancel and receive a proportional refund of the unused period. We back up data daily; keep your own exports for anything you cannot afford to lose.
9. Intellectual property
The Service, its code, design and texts are ours or licensed to us. You get a personal, non-transferable right to use it under these terms. Category names, budgets and notes you create are yours.
10. Liability
To the extent the law allows, we are not liable for indirect or consequential losses, for decisions you take based on what the Service shows, for the acts of your bank, the aggregator, the AI provider or the payment provider, or for losses caused by your own credentials being used by someone else. Our total liability for any claim in a year is limited to the amount you paid us in the twelve months before the claim, or 100 € if you paid nothing. Nothing in these terms limits liability that cannot be limited under Portuguese or EU consumer law.
11. Ending the agreement
You can stop at any time by cancelling the plan and deleting the household. We can end the agreement for a serious breach of these terms, or if we stop operating the Service, in which case we give at least 60 days' notice by email, refund any unused prepaid period, and keep your export available during the notice.
12. Complaints, law and disputes
Write to info@cifrova.com first; we answer within 10 working days. Consumers in Portugal may use the Livro de Reclamações Eletrónico and the arbitration centres listed at consumidor.gov.pt; consumers elsewhere in the EU can consult the European Commission's directory of dispute resolution bodies. These terms are governed by Portuguese law. Disputes go to the courts of Portugal, without prejudice to the rights consumers have under the law of their own country of residence.
13. Changes to these terms
We may update these terms. For material changes we email the household's owner at least 30 days before they apply; if you do not agree, cancel before that date. The version and date at the top tell you which terms apply.