Legal document
Terms and Conditions
Last updated: November 5, 2026
1. Acceptance of the terms
By creating an account, accessing or using Cuadre, you accept these Terms and Conditions. Cuadre is operated by JinKun Chen, with Ecuadorian national ID number 0151233681, domiciled in Guayaquil, Ecuador.
2. Description of the service
Cuadre is a personal finance tracking and organization app. It lets you manually record income, expenses, accounts, categories and budget settings.
3. What Cuadre is not
- It is not a financial, banking or trust institution, nor a custodian of money.
- It is not a digital wallet or payment service.
- It is not a financial, accounting, tax, legal or investment advisor.
- It is not a bank-connection service or a credit-assessment tool.
Any decision you make based on the information shown in Cuadre is your responsibility.
4. Eligibility
You must be at least 18 years old and have the legal capacity to accept these Terms.
5. User account
You are responsible for keeping your credentials confidential, using a valid email, keeping it up to date and notifying us of any unauthorized use.
6. Accuracy of information
Balances, summaries, budgets and calculations depend on the data you enter manually. If the information is incorrect, incomplete or out of date, the results may be incorrect.
7. Subscription and payments
- Payments are processed through the Apple App Store and In-App Purchase.
- Cuadre does not receive or store full card details.
- Subscriptions may renew automatically.
- You can cancel renewal from your Apple ID settings.
- Refunds are requested directly from Apple.
- Deleting your Cuadre account does not automatically cancel your Apple subscription.
8. Acceptable use
You must not use the App for illegal activities, gain unauthorized access to other users' systems or data, interfere with security, reverse engineer, use abusive scraping or enter unlawful content.
9. Intellectual property
The name, brand, design, interface, code, text and visual system of Cuadre belong to JinKun Chen or its licensors. The financial and personal data you enter is yours.
10. Privacy
The processing of personal data is governed by Cuadre's Privacy Policy.
11. Availability and changes
We aim to keep Cuadre available, but we do not guarantee continuous availability, the absence of errors or permanent compatibility with all devices, operating systems or providers.
11 bis. Artificial intelligence features
Some features (recording from a message or by voice, automatically classifying Apple Pay purchases, suggesting emojis for your categories and the AI assistant) use artificial intelligence to suggest an amount, merchant, category and date, or to answer questions about your finances. It is a suggestion: you must review and confirm it, and you are responsible for the data you save. The assistant's answers are for guidance only, may contain errors and do not constitute financial, accounting, tax or investment advice. The assistant is a Premium feature with a limited number of queries (credits) per month, only answers about your finances within Cuadre and may decline questions unrelated to that purpose. The category of an Apple Pay purchase may be assigned automatically and you can correct it at any time. We may apply fair-use limits to these features and pause them for technical or cost reasons. Premium features (including Siri and Shortcuts, messages, voice, tags, goals, summary and export) require an active subscription.
12. Future features
Cuadre may add features such as analytics, notifications, CSV export, attachments, widgets or new integrations. If a feature changes how data is processed, we will update the applicable documents.
13. Disclaimer of liability
The App is offered "as is" and "as available". We do not guarantee exact calculations in every case, the absence of errors or an improvement in your financial situation.
14. Limitation of liability
To the maximum extent permitted by law, Cuadre and its operator will not be liable for indirect, incidental, special, punitive or consequential damages, loss of data, loss of income, loss of opportunities or financial decisions made by the user.
15. Account deletion
You can delete your account directly from the App, under Settings → Delete account. You can also ask for help by writing to soporte@cuadrefinanzas.com. Account deletion does not automatically cancel subscriptions managed by Apple.
16. Termination
We may suspend or terminate your access if you breach these Terms, if your use puts the service at risk, or if we are required to do so for legal or security reasons.
17. Changes
We may update these Terms. Material changes will be notified within the App, by email or by another reasonable means.
18. Governing law and jurisdiction
These Terms are governed by the laws of Ecuador. Any dispute will be submitted to the competent courts of Guayaquil, Ecuador, without prejudice to non-waivable consumer rights.
19. Contact
Operator: JinKun Chen
National ID: 0151233681
Address: Guayaquil, Ecuador
Email: soporte@cuadrefinanzas.com