TERMS OF SERVICE – SNABBER

By accessing or using Snabber (website, web app, Android and iOS apps, Telegram bot, API and MCP server), the user declares that they have read, understood and agree to these Terms of Service ("Terms") and to the Privacy Policy, which is part of these Terms. If you do not agree, you must not use Snabber.

This is an English translation of the Portuguese version. In case of any conflict, the Portuguese version prevails.

1. Nature of the Service

Snabber is a personal and small-business financial organization and analysis app that lets the user record, import, view, categorize and analyze their finances, including through Open Finance integrations and the optional use of artificial intelligence.

Snabber:

• is not a financial or payment institution and does not move the user's funds
• does not provide financial, accounting, tax or investment advice
• does not guarantee financial results

The information provided is for informational purposes only. Any decision made based on Snabber is the sole responsibility of the user.

2. Eligibility

Snabber may only be used by people who are 18 or older and legally capable. By using Snabber, the user declares that they meet these requirements.

3. Account, Credentials and Access Security

The user is responsible for:

• providing true and up-to-date information
• keeping their password, access codes, API keys and private links (such as the calendar link) confidential
• protecting access to the registered e-mail, which allows account recovery and receives access codes, and to the Google or Apple accounts used for sign-in
• protecting the devices where Snabber is open
• all actions performed in their account
• notifying Snabber immediately of any suspected unauthorized access

Snabber is not liable for unauthorized access, leaks or damages resulting from the user's negligence, sharing of credentials, compromise of the registered e-mail or social sign-in accounts, use of weak passwords or compromised devices.

4. Acceptable Use

The user must not:

• use Snabber for illegal or fraudulent purposes
• attempt to access data of third parties or of workspaces they were not invited to
• reverse engineer, scrape or exploit vulnerabilities
• interfere with the security, infrastructure or availability of the service, including by circumventing API usage limits
• resell, sublicense or offer Snabber or its API to third parties as their own service without authorization
• use the service in a way that violates laws, regulations or third-party rights

Non-compliance may result in suspension or termination of the account and revocation of API keys, without prior notice when the severity justifies it.

5. Personal Data

The processing of personal data follows the Brazilian General Data Protection Law (LGPD) and is described in the Privacy Policy, which details the data collected, the purposes, the partners and external services used, international transfers and data subject rights.

6. Open Finance

6.1 Consent

Connections to financial institutions happen only with the user's explicit consent, through Pluggy, Snabber's Open Finance partner. Bank credentials are entered directly in Pluggy's environment and are not stored by Snabber.

6.2 Ending Synchronization

Synchronization can be ended at any time by the user, by the source financial institution, or automatically under Open Finance rules. After it ends, no new data is collected from that connection.

6.3 Limitations

Snabber does not control financial institutions or Pluggy, does not guarantee the availability, accuracy or timeliness of the data received, and is not responsible for failures of Open Finance, the banks or the connection provider.

7. Artificial Intelligence

When AI features are used (assistant, automatic categorization, reports, insights and automated agents), the financial data needed for the task is sent to the AI provider engaged by Snabber, as described in the Privacy Policy. E-mail, password and CPF are not sent.

The user acknowledges that:

• results generated by AI and automated algorithms may contain errors and inaccuracies
• Snabber does not guarantee the accuracy of these results
• decisions made based on these results are the user's responsibility

8. Shared Workspaces and Advisors

The user may invite other people to their workspaces, with different access profiles (administrator, member, read-only or advisor). Invited people can see the financial data of that workspace according to the profile granted.

• The inviting user is responsible for choosing who they share their data with and which access level they grant, and for removing access that is no longer needed.
• Anyone who receives access to another person's workspace agrees to use the data only for the purpose they were invited for, to keep it confidential, and not to copy, disclose or reuse it outside Snabber without the data owner's authorization.
• Advisors (accountants, planners and other professionals) are personally responsible for professional confidentiality and for how they use the data they access.

Snabber is not responsible for how members and advisors invited by the user use the shared data.

9. API, MCP Server and Third-Party Applications

Snabber offers an API and an MCP server that let the user connect external applications, such as AI assistants and automation tools, to their data.

• API keys and authorizations are personal and must be treated as passwords.
• When generating a key or authorizing an application, the user chooses which workspaces and permissions it receives and is responsible for that choice.
• Data delivered to external applications is processed by them under their own terms and policies. Snabber does not control and is not responsible for how third-party applications authorized by the user use that data.
• Snabber may apply usage limits, change or discontinue endpoints, and revoke keys used in an abusive or insecure way.

10. Notification Channels

By enabling the Telegram bot, summary e-mails, push notifications or a subscription to the Snabber calendar in another app, the user authorizes the delivery of financial information through those channels and is responsible for controlling who has access to them.

11. Third-Party Services

Snabber uses third-party services, such as Open Finance, artificial intelligence, hosting, e-mail and payment processors, listed in the Privacy Policy. Use of these services is also subject to each provider's terms and policies. Snabber is not responsible for interruptions caused by external services or for acts of these third parties, except for liability provided by law.

12. Payments, Plans and Subscriptions

• some features require a paid subscription; free trial periods may be offered
• payments are processed by third parties (Stripe on the web and Apple for purchases made in the iOS app), and Snabber does not store card data
• subscriptions made through Apple are managed and canceled in the Apple ID settings, under Apple's rules
• the payment processor may decline or hold amounts under its own terms
• price changes will be communicated in advance

The user may exercise the right of withdrawal and other rights provided by the Brazilian Consumer Protection Code.

13. Information Security

Snabber adopts reasonable technical and organizational measures, described in the Privacy Policy, including encryption in transit, encryption of transaction descriptions and amounts, and access control. However, no system is absolutely secure, and Snabber cannot guarantee complete protection against attacks, failures or unauthorized access.

14. Indemnification

The user agrees to indemnify Snabber, its partners, employees and business partners for claims, losses, damages, fines or expenses arising from:

• misuse of Snabber
• violation of these Terms
• violation of laws or third-party rights, including those of people whose data the user shared or accessed through Snabber

15. Limitation of Liability

To the maximum extent permitted by law:

• Snabber will not be liable for indirect or incidental damages, lost profits, or financial losses resulting from the user's decisions
• Snabber will not be liable for damages caused by the user's own acts, by people and applications the user authorized, or by third parties outside Snabber's control
• Snabber's total liability will be limited to the amount paid by the user in the last 12 months

These limitations do not apply to cases of willful misconduct or gross negligence by Snabber, nor to situations in which applicable law, such as the Brazilian Consumer Protection Code and the LGPD, does not allow the limitation or exclusion of liability.

16. Suspension and Termination of the Service

Snabber may suspend or terminate accounts that violate these Terms, modify or discontinue features, and shut down the service in whole or in part. Whenever possible and required by law, the user will be notified in advance.

17. Account and Data Deletion

The user can delete their account in the app or request deletion of their personal data. Deletion follows the Privacy Policy and respects legal retention periods and regulatory obligations.

18. Changes to the Terms

Snabber may change these Terms. Relevant changes will be communicated in the app or by e-mail, and the date of the last update is shown at the top of the document. Continued use of the service after the changes means acceptance of the current version.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federative Republic of Brazil. The courts of the user's place of residence have jurisdiction, unless mandatory law provides otherwise.

20. Contact

Questions or requests: snabbershop@gmail.com. Privacy and data protection matters: see the Data Protection Officer listed in the Privacy Policy.