Terms and Conditions

By creating an account or using Mi Control de Finanzas Personales ("the app") you accept these Terms and Conditions. If you do not agree, do not use the app.

The app is a tool for tracking and organizing your personal finances: accounts, cards, transactions, budgets and reports.

The app is not a bank, a financial institution, a financial advisor or a payment intermediary. We do not move your money, we do not have access to your bank passwords, and we do not provide investment advice. The information the app shows depends on the data you enter or authorize it to sync, and it may contain errors or delays.

You must be at least 18 years old to create an account. You are responsible for keeping your password secure and for all activity on your account.

The information you record (accounts, cards, amounts) must be information you have the right to share; do not use the app to record third parties' financial data without their consent, except within a shared family plan that you manage yourself.

You must not use the app for illegal activities, to attempt to access other users' accounts without authorization, or to interfere with the operation of the service.

The "Sync SMS" (only in the Android app downloaded directly from our website) and "Notification capture" (Android only) features are optional and require your explicit authorization. You can turn them off at any time from within the app. The handling of this data is governed by the Privacy Policy.

Notification capture only works if you grant the app "Notification access" in Android settings, and it only reads notifications from the apps you select (for example, your bank's or a store's app). You can remove that permission at any time from Android settings. Alerts that include an amount, or that confirm a transfer or payment without saying how much, are processed on our server to create a transaction, a pending item to confirm or a missing-amount reminder.

When the same charge arrives through more than one channel (SMS or notification), the app discards the repeated alert if it is certain it is the same transaction; otherwise it marks it as "Possible duplicate" so you can decide. Even so, review automatically captured transactions: they may contain reading errors.

Notification capture depends on your phone: some manufacturers (for example, Xiaomi, Huawei or Samsung) stop background apps to save battery. We do not guarantee that every alert will be captured; if one is missing, you can add it manually.

If you connect Google Calendar, the app creates a separate calendar in your account with reminders for subscription charges and card payments. You can disconnect it at any time from "Settings"; when you do, that calendar is deleted.

The app has a free plan and a Premium plan with additional features. Premium costs $107 MXN per month or $1,037 MXN per year when you subscribe on the web; if you subscribe through Google Play, the price is the one Google Play shows in your country, taxes included. The final price is always the one shown at checkout. When you subscribe you get a 7-day free trial: if you cancel before the trial ends, you are not charged.

Payments are processed through Stripe (web) or Google Play (app installed from Google Play). We never see or store your card number.

The subscription renews automatically at the end of each period (monthly or yearly) until you cancel it. You can cancel at any time from "Settings → Manage subscription" (if you subscribed through Google Play, cancel it from Google Play; refunds follow Google's policies); cancellation takes effect at the end of the period you already paid for, and you keep Premium until then.

We may change prices or the features included in each plan. If a price change affects you, we will notify you before your next renewal so you can cancel if you do not agree.

The app, its design, code and brand belong to us. You retain ownership of the financial data you enter; you grant us permission only to store and process it in order to provide you the service.

The app is provided "as is", without guarantees that it is free of errors or interruptions. To the extent permitted by law, we are not responsible for financial decisions you make based on information shown by the app, nor for losses arising from sync errors, SMS or notifications, or failures of third-party services (Google, Stripe, Supabase, your bank).

You can stop using the app and request deletion of your account and data at any time by writing to soporte@controlfinanzaspersonales.com. We may suspend or cancel accounts that violate these terms.

We may update these terms from time to time. We will publish any changes on this same page with the corresponding update date.

These terms are governed by the laws of Mexico, without prejudice to the rights that the laws of your country of residence grant you as a consumer.

Questions about these terms? Write to us at soporte@controlfinanzaspersonales.com.