Terms of Service

Last updated: April 26, 2026

These Terms of Service ("Terms") govern your use of Bravio. By creating an account, you agree to these Terms. Please read them carefully.

1. The service

Bravio ("we", "us") is a personal finance tool. The service helps you track expenses, income, net worth, budgets, and savings rates. It includes AI-powered import of bank statements and payroll receipts.

Bravio is not a bank, broker, financial advisor, accountant, or tax advisor. We are a measurement and visualization tool, nothing more.

2. Your account

To use Bravio, you must:

• Be at least 18 years old.
• Provide accurate registration information.
• Keep your password confidential and secure.
• Notify us promptly at contacto@bravio.mx if you suspect unauthorized access to your account.

You are responsible for all activity on your account. One person, one account — accounts are not transferable.

3. Pricing and billing

Bravio is a subscription service. Current pricing:

• Monthly: $199 MXN per month
• Annual: $1,499 MXN per year (saves ~37% versus monthly)

All prices are in Mexican Pesos (MXN) and exclude applicable taxes (IVA where applicable).

Free trial

New accounts include a 30-day free trial. You will not be charged during the trial. If you do not cancel before the trial ends, your selected plan begins automatically.

Renewal

Subscriptions renew automatically at the end of each billing period (monthly or annual) unless you cancel. The renewal charge is the same as the initial charge unless we have notified you of a price change.

Cancellation

You can cancel anytime in Settings → Account → Subscription, or by emailing contacto@bravio.mx. Cancellations take effect at the end of the current billing period; you keep access until then.

Refunds

We offer pro-rated refunds on annual subscriptions if you cancel within the first 30 days after a renewal. Monthly subscriptions are non-refundable but can be canceled to stop future charges.

Price changes

We may change pricing. We will notify existing subscribers by email at least 30 days before any price change takes effect. If you do not agree to the new price, you may cancel before it takes effect.

4. AI features and accuracy

Bravio uses third-party AI models to parse bank statements and payroll receipts. AI parsing is not perfect:

• Categorizations may be wrong. You can edit any transaction.
• Amounts and dates may be misread, especially on poorly scanned documents.
• You are responsible for reviewing parsed data before relying on it.

Always review AI-parsed transactions for accuracy. We are not liable for decisions you make based on incorrectly parsed data.

5. Not financial or tax advice

6. Acceptable use

You agree not to:

• Use the service for illegal purposes or in violation of any law.
• Reverse-engineer, decompile, or extract source code from the service.
• Scrape, crawl, or use automated tools to collect data from the service.
• Interfere with or disrupt the service or its infrastructure.
• Resell, sublicense, or redistribute access to the service.
• Upload malicious files or attempt to compromise other users' accounts.
• Use the service to launder money, evade taxes, or commit fraud.

We may suspend or terminate accounts that violate these rules.

7. Your data

You retain all rights to the data you upload to Bravio. By using the service, you grant us a limited license to store, process, and display your data solely to provide the service to you. We do not sell your data. See our Privacy Policy for details.

8. Service availability

We aim for high uptime but do not guarantee uninterrupted service. We may perform maintenance, deploy updates, or experience outages. We are not liable for losses resulting from service interruptions.

9. Termination

You can terminate your account anytime in Settings → Account → Delete account. We may terminate or suspend your account if you violate these Terms, fail to pay subscription fees, or engage in conduct that harms the service or other users.

Upon termination, your access ends. We delete your data per our Privacy Policy.

10. Disclaimers and limitation of liability

The service is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, our total liability for any claim arising from or related to the service is limited to the amount you paid us in the 12 months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages, including loss of data, loss of profits, or loss of business.

Nothing in these Terms limits liability that cannot be limited under Mexican law (such as for fraud, willful misconduct, or gross negligence).

11. Indemnification

You agree to indemnify and hold harmless Bravio and its officers, employees, and agents from any claims, damages, or expenses (including reasonable legal fees) arising from your violation of these Terms or your misuse of the service.

12. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will notify you by email and post a notice in the app at least 15 days before the changes take effect. Continued use of the service after changes take effect constitutes acceptance.

13. Governing law and disputes

These Terms are governed by the laws of Mexico. Any dispute arising from or related to these Terms or the service will be resolved by the competent courts of Mexico City, Mexico, and you and we expressly waive any other jurisdiction that may correspond by reason of present or future domicile.

14. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full effect.

15. Contact

For questions about these Terms:

By creating an account or using Bravio, you acknowledge that you have read, understood, and agreed to these Terms of Service.