Terms of Service — Tita

Effective Date: 2026/05/07

PLEASE READ CAREFULLY. BY USING TITA, YOU AGREE TO THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

Welcome to Tita. These Terms of Service ("Terms") govern your access to and use of the Tita app, website, and related services for tracking personal finances and assets (collectively, the "Services").

By creating an account or otherwise using the Services, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you have questions, contact us at support@tita.com.ar.

1. Changes to These Terms

We may update these Terms occasionally. When we make material changes, we'll notify you by email, in-app notice, or another reasonable method, and update the Effective Date above. If you don't agree to the updated Terms, you must stop using the Services. Continued use after changes take effect means you accept them.

2. Privacy

Your privacy matters. Please read our Privacy Policy for details on what information we collect and how we use it.

3. Eligibility and Accounts

You must be at least 18 years old, or have the consent of a parent or legal guardian, to use the Services. By using Tita, you represent that you have the legal capacity to enter into these Terms.

To use most features, you'll need to create an account. You agree to:

  • Provide accurate, complete, and current information.
  • Keep your password confidential and not share your account.
  • Notify us promptly if you suspect unauthorized use of your account.
  • Take responsibility for all activity on your account, including activity by anyone you share access with (such as a household member or financial advisor).

You may not impersonate another person, use a name you don't have the right to use, or transfer your account to anyone else without our written consent.

4. What Tita Is and Isn't

Tita is a personal finance and asset tracking tool. Tita is not a bank, broker-dealer, investment advisor, financial advisor, tax advisor, accountant, lawyer, credit reporting agency, lender, or insurance provider. Information shown in Tita is for informational and educational purposes only and is not professional advice.

You should consult qualified professionals for specific financial, tax, legal, or investment decisions. You are solely responsible for any decisions you make based on information shown in Tita.

Account balances, transactions, asset valuations, and projections shown in Tita may be delayed, incomplete, or inaccurate, and should not be relied on for transactional purposes (for example, to confirm a payment or trade). Always verify with the original financial institution.

5. Linking External Accounts

If you choose to link external financial accounts, you authorize Tita and its data providers (such as [Plaid, Belvi, Fintoc, or other aggregator]) to access information from those accounts on your behalf, and you confirm that you have the right to do so.

You may disconnect linked accounts at any time through the app. Disconnecting will stop new data from being imported but does not automatically delete data already imported (you can delete that separately).

You acknowledge that:

  • We are not endorsed by, affiliated with, or sponsored by any financial institution shown in Tita.
  • Data is fetched on your behalf and with your authorization, not on behalf of any institution.
  • Linked institutions may change their systems at any time, which may affect data availability.

6. Acceptable Use

You agree not to use the Services to:

  • Violate any law, regulation, or third-party right (including intellectual property and privacy rights).
  • Upload, post, or transmit content that is unlawful, harmful, deceptive, harassing, defamatory, or obscene.
  • Try to gain unauthorized access to any account, system, or data.
  • Scrape, crawl, or otherwise extract data from the Services through automated means.
  • Reverse engineer, decompile, disassemble, or attempt to extract the source code, models, or other underlying components of the Services.
  • Use the Services to build a competing product or to train an AI or machine learning model.
  • Interfere with or disrupt the Services (for example, by introducing malware or placing unreasonable load on our infrastructure).
  • Submit information you don't have the right to submit (you confirm that any data you upload — including data about other people in your household — is shared with proper authority).

We may suspend or terminate your account if we believe you've violated these rules.

7. Subscriptions, Pricing, and Payments

Adjust this section based on your actual pricing model. Delete it entirely if Tita is free.

Some features of Tita require a paid subscription ("Subscription"). Pricing, billing frequency, and features are described at sign-up and on our website.

  • Billing. Subscription fees are charged in advance to the payment method you provide and are non-refundable except where required by law (for example, Argentina's Ley de Defensa del Consumidor may grant specific refund rights).
  • Auto-renewal. Subscriptions automatically renew at the end of each billing period unless you cancel before renewal. You can cancel anytime through your account settings or your app store account.
  • Price changes. We may change pricing on notice; new prices apply to your next billing period after notice. If you don't accept a price change, you can cancel before it takes effect.
  • Free trials and promotions. Free trials must be cancelled before they end to avoid being charged. Promotions are subject to their specific terms.
  • Taxes. You are responsible for any taxes that apply to your use of the Services, except where we're required to collect them.

8. Intellectual Property

The Services and all content provided by Tita (including software, design, text, graphics, logos, and trademarks) are owned by Tita or our licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial use, subject to these Terms.

You may not copy, modify, distribute, sell, lease, or create derivative works from any part of the Services, except as expressly permitted by us or by law.

9. Your Content

You may submit data, notes, tags, photos, and other content to Tita ("Your Content"). You retain ownership of Your Content. By submitting it, you grant Tita a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, and process Your Content as needed to operate and improve the Services.

If you provide feedback, suggestions, or feature requests, you grant us the right to use them without restriction or compensation.

You are responsible for Your Content and represent that you have all necessary rights to submit it.

10. AI Features

Include this section only if Tita uses AI/LLM features. Otherwise delete it.

Tita may include features powered by artificial intelligence (for example, smart categorization, insights, or a financial assistant) ("AI Features"). You acknowledge that:

  • AI Features can be wrong, incomplete, or misleading. Output is generated probabilistically and should be verified before being relied on.
  • AI Features do not constitute financial, tax, legal, or other professional advice.
  • You will not use AI Features in attempts to manipulate, jailbreak, or extract underlying models, training data, or parameters.
  • You will not use Tita's AI output to train other AI or machine learning systems.

11. Third-Party Services

The Services may include links to or integrations with third-party services (banks, payment processors, data aggregators, app stores). We do not control these third parties and are not responsible for their content, terms, or practices. Your use of third-party services is governed by their own terms and policies.

12. Termination

You can stop using Tita and delete your account at any time through the app's settings or by contacting support@tita.com.ar.

We may suspend or terminate your access to the Services at our discretion, including if you violate these Terms or if continuing to provide the Services to you would expose us to legal or operational risk. Where reasonable, we'll give you notice and a chance to retrieve your data before termination.

Sections that by their nature should survive termination (for example, intellectual property, disclaimers, limitation of liability, indemnity, and governing law) will continue to apply.

13. Disclaimers

The Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, to the maximum extent permitted by law. We do not warrant that the Services will be uninterrupted, error-free, accurate, or secure, or that any defects will be corrected.

We make no warranties about the accuracy, completeness, or timeliness of any data shown in Tita, including data fetched from third-party institutions. Past performance does not guarantee future results.

Some jurisdictions don't allow the exclusion of certain warranties, so some of these limitations may not apply to you. Argentine consumers, in particular, retain rights under the Ley de Defensa del Consumidor that cannot be waived.

14. Limitation of Liability

To the maximum extent permitted by applicable law, Tita and its affiliates, officers, employees, and partners will not be liable for:

  • Any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or lost goodwill.
  • Any damages exceeding, in the aggregate, the greater of (a) USD 100 / ARS equivalent or (b) the amounts you paid us for the Services in the twelve months before the event giving rise to the claim.
  • Any matter beyond our reasonable control.

Some jurisdictions do not allow these limitations, so they may not fully apply to you. Nothing in these Terms limits liability for fraud, gross negligence, or willful misconduct, or any liability that cannot be limited under applicable law (including consumer-protection law).

15. Indemnification

To the extent permitted by law, you agree to indemnify and hold Tita harmless from any third-party claims, losses, or expenses (including reasonable legal fees) arising from (a) your use of the Services, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) content or data you submit.

16. Governing Law and Dispute Resolution

This is a critical section to discuss with a lawyer. The clause below assumes Argentina; if you're targeting US/EU markets, you may need different provisions.

These Terms are governed by the laws of Argentina, without regard to its conflict-of-laws rules. Any dispute arising from these Terms or the Services will be resolved exclusively by the competent courts of [Ciudad Autónoma de Buenos Aires / your chosen venue], except where mandatory consumer-protection law gives consumers the right to sue in their place of residence.

You and Tita each waive any right to a jury trial and to participate in a class action, except where such waivers are prohibited by law.

17. App Store Terms

If you download Tita from the Apple App Store or Google Play Store, you also agree to those stores' terms. You acknowledge that:

  • These Terms are between you and Tita, not the app store.
  • The app store is not responsible for the Services or for any claims relating to them.
  • Tita, not the app store, is responsible for support and warranty obligations relating to the app.
  • You will use the app only on devices you own or control, and in compliance with the app store's usage rules.
  • The app store and its affiliates are third-party beneficiaries of these Terms and may enforce them against you.

18. Export Controls

You agree to comply with all applicable export and sanctions laws when using the Services. You confirm that you are not located in, and will not use the Services from, a jurisdiction subject to comprehensive sanctions, and that you are not on any government list of restricted parties.

19. Miscellaneous

  • Entire agreement. These Terms, together with the Privacy Policy and any other policies referenced, are the complete agreement between you and Tita.
  • Severability. If any provision is found unenforceable, the rest remains in effect.
  • No waiver. Our failure to enforce a right doesn't waive it.
  • Assignment. You may not assign these Terms without our consent. We may assign them, for example in connection with a merger or acquisition.
  • No agency. Nothing in these Terms creates a partnership, employment, or agency relationship.
  • Notices. We may provide notices through the app, by email, or by posting on our website.

20. Contact

Questions, complaints, or notices? Reach us at:

  • Email: support@tita.com.ar
  • Website: https://tita.com.ar