Terms of use

1. Acceptance and scope (Site vs App)

Part A (sections 1–2 and, where applicable, 8–12) covers the Site: studio information, waiting list, and related communications.

Part B (sections 3–12) covers the Yavara Product: download, use, Free/Pro or Premium features as shown in the App / Google Play, and billing via Google Play.

Google Play and Google have their own terms. For charging, renewal, cancellation, refunds, and subscription management on Android, Google Play’s terms and tools are the billing source of truth, without prejudice to mandatory consumer rights in the EU / Spain.

2. Website — Informational use and waiting list

The Site provides information about Quiova Labs and our products (including Yavara). Content is informational and may change without notice.

If you join a waiting list, you provide a contact email so we can notify you about early access or related updates, according to the consent you give in the form. You may unsubscribe by emailing quiovalabs@gmail.com.

You agree to use the Site lawfully and not abusively: do not interfere with its operation, attempt unauthorized access, or use content in ways that infringe third-party rights or applicable law. The Site may link to third-party resources; we do not control those sites.

3. Yavara — Service description and limitations

Yavara is a personal-finance app. You import statements (for example CSV, Excel, PDF, or photo). Yavara does not connect to your bank, does not ask for bank credentials, and is not an Open Banking or payment service.

Financial data processing happens locally on your device, as described in the Privacy policy. The App may include free and paid features (Free / Pro or Premium) during soft-launch; the features available at any time are those shown in-app and on Google Play. We do not invent or fix prices or feature catalogues here: refer to what is shown on Play / in the App.

Yavara does not provide regulated financial advice, investment advice, professional tax planning, or banking services. Categorisation, subscription detection, insights, potential-savings estimates, or other automation are indicative and may contain errors. You are responsible for your financial decisions and for verifying information against your statements and banks.

4. Accounts — No Quiova account; purchase identity via Google

The App does not require creating a Quiova Labs user account. We do not operate a separate Yavara login.

Premium purchases and subscriptions are tied to your Google / Google Play account. Purchase restore uses Google Play mechanisms (and, where applicable, our entitlements provider, e.g. RevenueCat), not a Quiova account.

5. Subscriptions, pricing, trial, renewal, and cancellation

Premium (or other paid offers) is purchased and managed through Google Play Billing. Quiova Labs does not process your card or store full payment details.

Prices, billing periods, free trials, auto-renewal, and specific commercial terms are those shown on Google Play and/or in-app at the time of purchase. They may vary by country, currency, and Play configuration.

Unless you cancel using Google Play’s tools, an auto-renewing subscription may renew at the end of each period under Google Play’s rules. To cancel or manage the subscription, use Google Play (e.g. Payments & subscriptions). Cancellation stops future renewals under Play’s rules; it does not necessarily mean a refund for a period already charged, except where Google Play or applicable law require otherwise.

Withdrawal, refund, and digital-content consumer rights in the EU / Spain (including possible loss of withdrawal after consent and immediate performance of digital content, where the law allows) depend on how the offer is configured on Play, the product type, and applicable law. Nothing in these Terms is intended to limit mandatory consumer rights. If you need help locating your subscription, email quiovalabs@gmail.com; operational billing is handled by Google Play.

6. App licence and intellectual property

We grant you a limited, non-exclusive, non-transferable, revocable licence to install and use the App on devices you own or control, in accordance with these Terms and Google Play’s terms.

Trademarks, logos, text, design, code, and other Site and App content belong to Quiova Labs or its licensors. You obtain no exploitation rights beyond what is needed to browse the Site or use the App under these Terms. You may not copy, modify, decompile (except as mandatory law allows), redistribute, or commercially exploit the App or its content without permission.

7. User content

You are responsible for the statements and other content you import or generate in the App. That financial data is processed and stored on your device as described in the Privacy policy.

The App may offer an optional contribution to improve bank/format support: only if you confirm after a preview, and on the terms described in the Privacy policy (synthetic template; not the real statement). Participation is voluntary; the App works without it.

You warrant that you have the right to use the files you import and that you will not use the App to infringe third-party rights or applicable law.

8. Acceptable use

You agree not to:

• Use the App or Site unlawfully, fraudulently, or abusively.
• Attempt to bypass technical measures, access unauthorised systems, or interfere with security or availability.
• Reverse-engineer the App beyond what mandatory law allows.
• Use the App if you are under 16 (the product is not directed to children under 16).
• Resell, rent, or sublicense Premium access without authorisation.

9. Availability “as is” and limitation of liability

During soft-launch, the App and Site may evolve, include bugs, Free/Pro limitations, and feature changes. We aim to improve the product, but we do not guarantee uninterrupted availability, error-free operation, compatibility with all bank statements, or that insights or categorisations are accurate or complete.

To the maximum extent permitted by applicable law, the Site and App are provided “as is” and “as available”. Quiova Labs is not liable for indirect damages, lost profits, data loss (including loss of local data after uninstall or device failure), or losses arising from financial decisions made based on the App.

Nothing in these Terms excludes or limits liability for willful misconduct, for death or personal injury caused by negligence where the law does not allow it, or for any mandatory EU / Spanish consumer rights that cannot be waived.

10. Privacy

Personal data processing is described in our Privacy policy: https://quiovalabs.com/en/privacy/ (Spanish version: https://quiovalabs.com/es/privacy/).

In summary consistent with that policy: financial data is processed on-device; in-app analytics only with consent in Settings → Privacy; purchases go through Google Play; template contribution is opt-in. These Terms do not replace or contradict the Privacy policy.

11. Governing law and jurisdiction

These Terms are governed by Spanish law. Unless mandatory rules provide otherwise (in particular consumer rights that determine another forum or more favourable law), the parties submit to the courts of Barcelona, Spain.

If you are a consumer resident in another EEA Member State, you may benefit from mandatory rules of your country of residence and, where applicable, the courts of your domicile.

12. Contact and changes

Contact: quiovalabs@gmail.com. Quiova Labs, Barcelona, Spain.

We may change these Terms by posting an updated version at https://quiovalabs.com/en/terms/ (and the Spanish version) with a new update date. For material changes affecting App use, we may provide reasonable notice (e.g. on the Site or in-app). Continued use after changes take effect constitutes acceptance of the revised Terms to the extent permitted by law; if you disagree, stop using the Site and/or App and, if applicable, cancel your subscription in Google Play.

Contact

quiovalabs@gmail.com

Privacy · Back to Quiova Labs