Terms of Use — BAYBO
Last updated: August 13, 2026
These Terms of Use explain how BAYBO works, the limits of the service, and the rules that apply to paid features, AI credits, and subscriptions on iOS, Android, and web.
By using BAYBO, you agree to these Terms of Use and to our Privacy Policy.
1. Who operates BAYBO
BAYBO is operated by:
- Legal name: TORPHI CONTISE TRATAMENTO DE DADOS LTDA
- Brazilian company registration: 05.526.201/0001-40
- Address: Alameda dos Guatás, 468, Apt 102, Planalto Paulista, São Paulo/SP, ZIP 04053-041, Brazil
- Contact: marco@baybo.app
2. What BAYBO does
BAYBO is an app for tracking personal wealth in a simple way. It helps you register accounts, contributions and balances, calculate your total portfolio, and compare your evolution with references such as Bitcoin, CDI and the US dollar.
BAYBO displays indicators, charts and explanations based on the data you enter or connect.
3. What BAYBO does not do
BAYBO is not a brokerage, bank, financial advisor, investment advisor, accounting service or tax filing service.
BAYBO does not execute orders, buy, sell, transfer money, move funds from your bank account or custody assets.
The information shown in the app is for personal organization and tracking. It should not be interpreted as individual investment advice, a promise of return, an offer of financial products or tax advice.
4. Account, data and user responsibility
You are responsible for providing accurate data and reviewing the information shown by the app.
Indicators and charts may be incorrect if the data you enter is incomplete, outdated or wrong.
You must keep your account secure and must not share your password with third parties.
5. Minimum age
BAYBO is not directed at people under 18.
By creating an account or using the service, you represent that you are at least 18 years old or have valid authorization from a legal guardian.
6. Read-only integrations
When BAYBO connects to external services, such as a crypto account or another financial integration, the purpose is to read information and display your numbers in the app.
BAYBO should not receive permissions to withdraw, transfer, buy or sell assets. If an integration offers these permissions, you must keep them disabled.
7. Artificial intelligence features
BAYBO may offer artificial intelligence features, such as Baybo Assistant, balance reading from images and spreadsheet analysis.
These features help explain, organize or interpret the data you provide. They may be wrong, fail to understand data, produce incomplete answers or depend on outdated information.
AI responses are not investment advice, financial advice, tax advice or a guarantee of results. You should review any answer before making decisions.
8. AI credits
Some AI features consume AI credits.
AI credits are a digital benefit used inside BAYBO. They are not money, are not currency, and cannot be withdrawn, transferred, resold or exchanged for cash.
AI credits purchased or granted through in-app purchases do not expire while your account exists. They may be removed if the account is deleted, if the purchase is refunded, revoked, charged back, considered fraudulent by the store, or if there is a legal obligation.
The credit balance is shown in the app, for example on the Support BAYBO screen and in Baybo Assistant.
9. One-time purchases of AI credits
BAYBO may offer one-time purchases of AI credits inside the app.
These purchases are consumable and one-time. After the store confirms the purchase, BAYBO validates the transaction on the server and adds the credits to your balance.
One-time purchases are not subscriptions. They do not have recurring cancellation, automatic renewal or subscription management.
Payment is processed by the operating system store, such as the App Store or Google Play. BAYBO does not receive or store credit card data. The rules of the store responsible for the purchase may also apply to payment, taxes, confirmation, refunds and billing support.
10. Monthly support subscriptions
BAYBO may offer auto-renewable monthly support subscriptions that grant AI credits after each cycle confirmed by the store.
The subscription is optional. It is not required to use the main portfolio tracking features.
Before confirming a subscription, the app or the store shows the plan name, cycle duration, billed amount, billing frequency, and the AI credits or benefits included in that cycle.
Monthly subscriptions automatically renew every month until cancelled in the store responsible for billing.
While the subscription is active and a renewal is confirmed by the store, BAYBO validates the renewal on the server and adds the credits for that cycle.
The price, period, renewal, cancellation and any refunds are managed by the store where the subscription was purchased, such as the App Store or Google Play. The rules of the store responsible for the purchase may also apply to payment, taxes, renewal, cancellation, grace period, pause, account hold, payment recovery, refunds and billing support.
If the store does not confirm a renewal because of a payment failure, billing issue, grace period, pause, account hold or any similar state, BAYBO may stop granting new credits until the store confirms a valid purchase or renewal. Access and credits already delivered remain subject to the state reported by the store and to these Terms.
If you cancel the subscription, it may remain valid until the end of the already paid period, according to the store rules.
Uninstalling the app does not automatically cancel an active subscription. If you delete your BAYBO account, this also does not automatically cancel an active App Store or Google Play subscription. Cancellation must be done in the store that processes the billing.
We may change prices, plans or subscription benefits for new purchases or, when allowed by the store, for existing subscriptions. This may happen because of changes in taxes, exchange rates, store costs, infrastructure costs, AI feature costs, benefit changes or the need to keep the service sustainable. Any price increase for an existing subscription will be handled according to the rules of the responsible store, including advance notice, consent or cancellation rights when required.
11. Subscription plan changes
When the store allows it, you may change your subscription level.
The moment when the change takes effect, the amount charged, any prorated credits and the next renewal date are defined by the store. BAYBO displays the state reported by the store and grants credits only after a valid purchase or renewal is confirmed.
To avoid duplicate billing, benefit conflicts or misuse, BAYBO may prevent a new subscription in one store when it identifies that the same account already has an active subscription, valid period, grace period, pause, account hold or scheduled plan change in another store. In these cases, the app should guide the user to manage the subscription through the store where it was purchased.
12. Refunds, chargebacks and unrecognized purchases
Refund requests must be made through the store responsible for the purchase, such as the App Store or Google Play.
If a purchase is refunded, revoked, charged back or considered fraudulent by the store, BAYBO may record that state and limit further credit delivery related to that transaction.
13. Acceptable use
You agree not to use BAYBO to:
- bypass billing, receipts, store validation or credit limits;
- access another person's account without authorization;
- submit illegal or offensive data, or data that violates third-party rights;
- exploit technical failures, automate abuse or harm the stability of the service.
We may limit or suspend access in case of abuse, fraud, security risk or violation of these Terms.
14. Privacy
Personal data processing is explained in the Privacy Policy.
The Privacy Policy describes what data we collect, how we use it, who we share it with, how long we keep it and how you can exercise your rights.
15. Account deletion
You can request account deletion.
Deleting your account removes your BAYBO data as described in the Privacy Policy, but it does not automatically cancel active App Store or Google Play subscriptions.
16. Availability and service changes
We work to keep BAYBO available, but the service may experience interruptions, delays, errors or temporary unavailability.
We may change, remove or improve features, as long as this respects rights already acquired through confirmed purchases and applicable store rules.
17. Changes to these Terms
We may update these Terms to reflect changes in the product, legislation, stores or paid features.
When there is a relevant change, we will update the date at the top and may notify you inside the app or through another reasonable channel.
18. Governing law
These Terms are governed by the laws of the Federative Republic of Brazil.
The courts of São Paulo/SP, Brazil, are elected to resolve disputes, without prejudice to any mandatory venue provided by law.
19. Apple EULA
On iOS, where applicable, use of the app may also be subject to Apple's standard EULA.
20. Contact
For questions about these Terms, contact: