Terms of Use

Last updated: November 2026

This translation is provided for convenience. In case of any discrepancy, the Spanish version prevails.

Welcome to Pru-dentia. These Terms of Use form a binding legal agreement between you (the "User") and Multisoftware ("the Company", "we", "us" or "our") governing access to and use of the Pru-dentia mobile applications (Android, iOS) and web portal (together, the "Service"). These Terms are also the application's end user license agreement (EULA).

The Service may be offered in different countries; the availability of features and plans may vary by territory. Use from any country is subject to the laws applicable there. These Terms do not limit consumer rights that cannot be waived under the laws of your place of residence.

Important: By creating an account, accessing or using Pru-dentia, you confirm that you have read and accept these Terms and that you were able to consult our Privacy Policy. The processing of data is governed by that policy. If applicable law requires an additional notice or authorization, it will be provided or obtained separately before processing; these Terms do not replace it. If you do not agree with the Terms, you must refrain from using the Service.

1. Description of the Service and No Financial Advice

Pru-dentia is a software platform designed exclusively for the personal and collaborative recording, calculation, organization and tracking of income, expenses, budgets, wallets and financial accounts.

Financial disclaimer: Pru-dentia is NOT a bank, financial institution or regulated investment entity. The information, summaries, charts, categorizations and assistance generated by the platform are strictly for informational and organizational purposes. Pru-dentia does not provide financial, accounting, tax or legal advice. Any financial or economic decision you make is your sole and entire responsibility.

2. User Accounts and Security

To use the Service you must register and sign in through authorized identity providers (Google Sign-In or Apple Sign-In). You are responsible for:

Keeping your credentials and access on your devices secure and confidential.
All activities or operations carried out from your account.
Notifying us immediately if you detect any unauthorized access to or use of your account.

3. Subscriptions, Payments and Billing (Pru-dentia Pro)

Pru-dentia offers free basic features and access to advanced features through paid subscription plans (Pru-dentia Pro).

Payment processing: On the web version, the subscription is sold and charged by Polar, our authorized reseller (merchant of record), which appears as the seller on your receipt and calculates, collects and remits applicable taxes. On mobile devices, purchases are processed through the official distribution platforms (Google Play Billing for Android and Apple StoreKit / App Store for iOS). Pru-dentia does not store banking information or credit card numbers on its servers.
Automatic renewal: Subscriptions are charged in advance on monthly or annual cycles and renew automatically at the end of each period unless cancelled before the renewal date.
Cancellation: You can cancel your subscription at any time from your account settings (on the web through the Polar customer portal, or on your mobile device through Google Play or Apple ID subscription management). Cancelling turns off future automatic renewal and you keep access to Pro benefits until the end of the current billing period.
No-refund policy: Unless mandatory applicable law provides otherwise, subscription charges already incurred are non-refundable and no retroactive credits are granted for partial periods of use.

4. Artificial Intelligence, Voice Dictation and Messaging Channel Features

The Service includes natural language processing and voice dictation tools powered by artificial intelligence (including Google Gemini APIs), as well as an optional messaging channel for logging transactions (WhatsApp, by Meta Platforms, Inc.):

These tools are intended to make it easier to extract and transcribe financial transactions from spoken or written commands.
Processing takes place ephemerally and securely in cloud functions (Cloud Functions). Your audio and text data are not sold or used to train public AI models.
You acknowledge that artificial intelligence models may produce approximate interpretations or inaccuracies. It is your responsibility to check amounts, categories and dates before confirming any entry in your balance.
The Pru-dentia Pro AI assistant is subject to a reasonable-use policy per account, which may be adjusted to ensure the quality of the service. If you reach that usage in a period, the assistant resumes in the next one without affecting your subscription or the rest of the app's features.
Third-party messaging channels: By linking your number to the official Pru-dentia bot on WhatsApp, you authorize the receipt and analysis of the messages, audio and images you send to that account for the sole purpose of recording transactions in your profile. The availability, connectivity and policies of WhatsApp are the responsibility of its operator (Meta Platforms, Inc.) and are governed by its own terms. You can unlink your number at any time from the app settings.

5. Technical Metrics and Use of the Service

To operate, protect and improve features, when you use the Service while signed in we record usage signals such as app opens and widget, form, camera, dictation or recurrence events; platform (iOS, Android or web), version, day, general origin of the transaction and the state of three preferences: direct dictation, direct recurrences and display of the original currency. The dashboard also computes global counts of active recurrences and current Pro subscriptions from their states.

The records use a pseudonymized identifier derived from the account's internal ID: it does not directly include your email, name, amounts, descriptions, audio, transcriptions, images or free text, but it allows activity from the same account to be linked. They are used internally for aggregated statistics, with restricted access; they are not sold or used for behavioral advertising. They are kept for up to 400 days, plus the daily purge interval (up to one additional day), and are deleted when the account deletion is processed. They are not part of the ledger and do not modify your financial records. See the Privacy Policy for details of the processing and your rights.

6. Intellectual Property and License of Use

All intellectual property rights, trademarks, logos, interface design, source code and software associated with Pru-dentia are the exclusive property of Multisoftware and its licensors.

You are granted a limited, revocable, non-exclusive and non-transferable license to use the application on your personal devices in accordance with these Terms. You may not reproduce, decompile, reverse engineer or redistribute any part of the software without prior written consent.

7. Acceptable Use

The User agrees not to:

Use the Service for illegal or fraudulent purposes.
Attempt to breach the security, authentication or integrity of our databases and infrastructure.
Interfere with other users' regular use of the Service or intentionally overload the servers or API quotas.

8. Limitation of Liability

To the fullest extent permitted by applicable law, the Service is provided "as is" and "as available", without express or implied warranties of any kind, including fitness for a particular purpose, uninterrupted availability or absence of errors.

In no event shall Multisoftware, its officers, employees or affiliates be liable for indirect or incidental damages, lost profits, loss of data or economic losses arising from the use of or inability to use the Service.

9. Termination and Account Deletion

You may terminate this agreement at any time by permanently deleting your account from Settings → Account → Delete account in the app, which will purge your associated data in accordance with our Privacy Policy.

We reserve the right to suspend or cancel access to accounts that commit serious violations of these Terms of Use or engage in fraudulent conduct.

10. Governing Law and Jurisdiction

Unless a mandatory applicable rule provides otherwise, these Terms are governed by the laws of the State of Delaware, United States of America. Nothing in this choice excludes or reduces the mandatory consumer or privacy protections you are entitled to in your country of residence, including the jurisdiction of the courts those rules establish.

11. Changes to the Terms

We may update these Terms of Use from time to time. Any material change will be notified by updating the date at the top and, where appropriate, through a notice in the app or by email. Continued use of the Service after the changes take effect constitutes your acceptance of them.

Contact

For legal enquiries, clarifications or support regarding these Terms of Use, you can write to: prudentia.app@gmail.com