Terms and Conditions of Use

Welcome to Pagaê

These Terms and Conditions of Use (“Terms”) govern access to and use of the Pagaê mobile application (“Application”), a digital platform dedicated to managing, splitting, and simplifying shared expenses.

The Application is owned, maintained, and operated by Viibe App GmbH, a legal entity incorporated under the laws of Switzerland, headquartered at Industrieplatz 5, 8212 Neuhausen am Rheinfall, Switzerland (“Company”).

By creating an account or using the Application, you (“User”) affirm that you have read, understood, and fully accept these Terms. If you do not agree with any provision contained herein, you must not use the Application.

1. Object of the Application

1.1. Pagaê is a convenience tool that allows Users to record expenses, create groups, calculate balances, and optimize or simplify common debt transactions.

1.2. Exemption from Financial Activity: Pagaê is not a financial institution, bank, or regulated digital wallet. The Application only provides mathematical simplification calculations and shortcuts for Users to settle payments externally through their own means, such as Pix, Twint, Revolut, or bank transfers. The Company does not hold, move, process, or retain any User funds.

2. Eligibility and registration

2.1. To use Pagaê’s features, the User must have full civil capacity in accordance with the legislation of their country of residence, being 18 years of age or older, or legally emancipated, as applicable.

2.2. The User agrees to provide accurate, current, and true registration information, assuming full civil and criminal liability for any falsehood or misuse of third-party data.

2.3. The access account is personal and non-transferable. The User is solely responsible for maintaining the confidentiality of their access credentials and for all activities performed under their account.

3. Gratuity of service

3.1. Currently, Pagaê is made available completely free of charge to Users for all of its active features.

3.2. The Company reserves the right to modify its business model, introduce additional paid features, or implement subscription tools in the future, subject to clear advance notice and amendment of these Terms.

4. Limitation of liability

4.1. Non-payment between Users: As a tool for mere calculation and recording, Viibe App GmbH is not responsible for the actual payment of debts registered in the Application. The risk of non-payment, default, or financial disputes between Users within their groups is the sole responsibility of the participants themselves.

4.2. Input Errors: The accuracy of the balances presented by the algorithm depends exclusively on the veracity and precision of the numerical data and currencies manually entered by the Users. The Company is not responsible for damages resulting from incorrect or duplicate entries made by Users.

4.3. Service Availability: The Company will make its best efforts to keep the Application functional and accessible, including support for offline features and cloud synchronization. However, it does not guarantee uninterrupted access in the event of telecommunications technical failures, scheduled maintenance, or force majeure events.

5. Privacy and data protection

5.1. Viibe App GmbH is committed to the privacy of its global Users. The processing of data required for the operation of the account and groups complies with the General Data Protection Law (LGPD) for users in Brazil, the General Data Protection Regulation (GDPR) for users in the European Union, and the Federal Act on Data Protection (FADP) for users in Switzerland.

5.2. The detailed rules regarding which data is collected, how it is stored, the legal bases for processing, and the procedures for Users to exercise their rights of access, deletion, or portability are fully described in Pagaê’s Privacy Policy, a separate and independent document from these Terms.

6. Intellectual property

6.1. All intellectual property rights related to the Pagaê Application, including the debt-simplification algorithm, source code, trademarks, logos, interface designs, texts, and graphics, belong exclusively to Viibe App GmbH.

6.2. Reverse engineering, copying, distributing, modifying, or unauthorized commercial exploitation of any component of the Application is expressly prohibited.

7. Modifications to the Terms

7.1. The Company reserves the right to modify these Terms at any time to reflect updates to the Application, technical improvements, or legal changes.

7.2. In the event of substantial changes that impact the obligations or rights of Users, a prominent notice will be displayed within the Application or sent by email at least 15 (fifteen) days in advance. Continued use of the platform after the changes take effect will constitute acceptance of the new Terms.

8. Governing law and jurisdiction

8.1. For Users in Brazil: These Terms shall be governed by and construed in accordance with the laws of the Federative Republic of Brazil, including the Consumer Defense Code and the Brazilian Civil Rights Framework for the Internet, and the Forum of the User’s domicile is elected to resolve consumer disputes.

8.2. For Users in the European Union and Switzerland: The mandatory legal consumer protection provisions of the country in which the User has their habitual residence shall apply. For any legal disputes that do not involve non-waivable consumer rights, the exclusive venue shall be the courts of the Company’s headquarters in Schaffhausen, Switzerland.