Terms of use
The rules for using Pulso, in plain words, and how the subscription works.
In short
- Pulso is a tool to log and organize your finances. It is not a bank and does not give financial advice.
- You get 7 days free. Then USD 0.99 a month or USD 9.90 a year, charged by Apple or Google.
- The subscription renews automatically and you can cancel it anytime from the store.
- If you stop paying, nothing is deleted: you can still view and export everything.
- Your data is yours and lives on your phone. Keep backups.
1. This agreement
These terms are the agreement between you and Zuhuan Software S.A.S. (Ecuadorian tax ID, RUC, in process), the Ecuadorian company that makes Pulso (“we”). By downloading or using Pulso you accept them. If you download it from the App Store, Apple's standard license agreement also applies (if these terms conflict with it, Apple's prevails as far as the App Store is concerned). If you download it from Google Play, Google Play's rules also apply.
How we handle your data is described in the privacy policy, which is part of these terms.
2. What Pulso is and isn't
- Pulso is an app to log your accounts, debts, money you're owed and transactions, and to see your net worth and reports. It does the math with what you enter or load.
- Pulso is not a bank: it doesn't move money, make payments or connect to your bank accounts.
- Pulso does not give financial, accounting, tax or legal advice. Indicators (such as your savings rate) are just arithmetic. Decisions about your money are yours.
- Results depend on what you log: check your balances against your bank's from time to time. You enter the exchange rates; Pulso doesn't look them up online.
3. The subscription
- Free trial: 7 days, once per person, managed by the store. If you cancel before it ends, you won't be charged.
- Plans: monthly at USD 0.99 or yearly at USD 9.90. These are US prices; in other countries, the store shows the price in your currency, with any applicable taxes, before you pay.
- Payment: charged by Apple or Google to your store account when you confirm the purchase or when the free trial ends.
- Automatic renewal: the subscription renews for the same period at the current price unless you cancel it at least 24 hours before the period ends. The renewal is charged within the 24 hours before the end of the period.
- Cancel: from your account settings in the store (iPhone: Settings › your name › Subscriptions; Android: Google Play › your profile picture › Payments & subscriptions). You keep full access until the end of the period you already paid for. Deleting the app does not cancel the subscription.
- Price changes: if the price changes, the store tells you in advance and, where the law or the store requires it, asks for your consent.
- Refunds: decided by the store under its rules (on iPhone, at reportaproblem.apple.com; on Android, from Google Play). We can't directly refund a charge made by the store, but we'll help if you write to us.
- Individual: the subscription is for one person. It can't be shared with your family.
4. Without an active subscription
After the free trial, or if your subscription ends, Pulso switches to view-only mode: you can open the app, look at your data and reports and export them, but you can't log new transactions. Nothing is deleted. If you subscribe again, you pick up where you left off.
5. Your data and your backups
What you log is yours. It is stored on your phone and, if you turn on backup, in your own cloud. Since we never receive your data, we can't recover it if you lose your phone without a backup: keep backup turned on or save copies from time to time.
6. Proper use
We grant you a personal, non-exclusive, non-transferable license to use Pulso on your phones. You may not copy, sell or redistribute the app, or try to take it apart to extract its code, except as the law allows. Pulso, its name, logo and design belong to Zuhuan Software S.A.S.
7. Warranty and liability
We work to make Pulso run well and calculate accurately, and we fix the errors we find. Even so, the app is provided “as is”, without warranties beyond those required by law. To the extent permitted by law, we are not liable for losses resulting from decisions made with the app's information, from incorrectly entered data or from losing data without a backup, and our total liability does not exceed what you paid for Pulso in the last 12 months. None of this limits the rights you have under the consumer protection law of your country.
8. Changes to the app and these terms
Pulso will change with new versions. If we change these terms in an important way, we will publish the new version here with its date and mention it in the update notes. If you keep using Pulso afterwards, you accept the new version.
9. Governing law
These terms are governed by the laws of Ecuador, without taking away the protection the law of your country gives you as a consumer.
10. Contact
Questions about these terms or your subscription: [email protected].