Backpacker Spender

Backpacker Spender is a travel expense tracking application developed by Moggy Digital ("we"). It allows you to record expenses in several currencies, track budgets, split expenses with travel companions and read receipts with artificial intelligence, working offline as well. Contact: contato@moggydigital.com.br.

• The app works without registration, with data stored only on your device. Signing in is optional and may be done with Google or with Apple; it enables cloud synchronization, use on several devices and shared trips.
• The service is intended for persons over 13 years of age. Use by adolescents must comply with applicable law and with the supervision of their guardians.
• You are responsible for keeping secure the Google or Apple account used to sign in and for the activities carried out with it in the application.

• The application offers a free plan, with the essential expense tracking features, and paid subscription plans, which unlock additional features. The composition of each plan, the length of the period and the price in effect are shown in the application itself, on the purchase screen, before confirmation.
• The purchase and the billing are processed by the store the application was obtained from (Google Play or the App Store), according to the device on which the subscription is taken out. We do not receive, store or process your payment data; the store sends us only the purchase confirmation needed to unlock the plan's features.
• The subscription is automatically renewed, for the same period and at the price in effect, until you cancel it. Cancellation stops future renewals, and paid access remains until the end of the period already paid for. Uninstalling the application does not cancel the subscription.
• App Store: the renewal is charged to your Apple account within the 24 hours prior to the end of the current period. To avoid being charged, cancellation must be made at least 24 hours before the end of the current period. Subscriptions are managed and cancelled, after purchase, in your Apple ID account settings (Settings > your name > Subscriptions).
• Google Play: management and cancellation are done in the store itself (Google Play > Payments and subscriptions > Subscriptions). Cancellation takes effect from the end of the period already paid for.
• Where a free trial period is offered, any unused portion of that period is forfeited at the moment you purchase a paid subscription, where that rule applies in the store.
• Refunds are reviewed and processed by the store that processed the purchase, according to its policy; requests must be addressed to that store. We have no access to the billing and do not process refunds directly. This does not set aside rights guaranteed by mandatory rules of public policy, such as the right of withdrawal provided for in the Brazilian Consumer Protection Code.
• The subscription is managed by the store where it was taken out and cannot be transferred to another store.
• We may adjust prices and the composition of the plans. Price changes to current subscriptions follow the prior notice and consent rules of the applicable store, and you may cancel before they take effect.
• Features that depend on cloud services (such as reading receipts with artificial intelligence) have usage limits per plan, indicated in the application itself, and may be adjusted to preserve the stability of the service.

• When you take part in a shared trip, the data of that trip (expenses, who paid, balances and settlements) becomes visible to the other participants, as described in the Privacy Policy.
• Balances and settlement suggestions are informational calculations for the group's organization. The application does not process payments between users, does not intermediate transfers and is not a financial institution or a payment method.
• Responsibility for the amounts recorded and for the settlements agreed upon lies exclusively with the participants of the trip.

• Automatic receipt reading uses artificial intelligence and may contain errors or omissions. Always review the suggested amount, currency and description before saving an expense.
• The exchange rates shown are obtained from public sources, may be outdated and do not necessarily reflect the rates applied by banks and card issuers. They are informational in nature.
• The application is a personal organization tool and does not constitute financial, accounting or tax advice.

The trips, expenses, notes and images you record are yours. You grant us a limited license to store, process and transmit that content only to the extent necessary to operate the service, such as synchronizing your devices, displaying the trip to the invited participants and processing the receipt reading you request. We do not use your content for advertising and do not sell it.

The following are prohibited, among others:

• using the service for unlawful activities or activities that violate the rights of third parties;
• attempting to circumvent usage limits, security mechanisms, integrity verification or subscription controls;
• accessing our servers by unauthorized automated means, overloading the infrastructure or interfering with the use of the service by other people;
• decompiling, tampering with or redistributing the application outside the official channels, except as permitted by law.

We may suspend or terminate accounts involved in a breach of these terms, with notice where required by law.

We work to keep the service stable, but it is provided without any guarantee of continuous availability. Features may be added, changed or discontinued, and older versions of the application may require an update in order to keep synchronizing with the cloud. Offline use of your local data does not depend on our servers.

The application, the Backpacker Spender brand, the design and the code are owned by Moggy Digital or by its licensors. These terms do not transfer to you any intellectual property right beyond the personal and non-transferable license to use the application.

To the maximum extent permitted by applicable law, and without setting aside rights granted to you by the Brazilian Consumer Protection Code or any other rule of public policy, we are not liable for indirect damages, loss of profits, loss of data caused by factors outside our reasonable control, financial decisions made on the basis of the information displayed by the application, or amounts agreed upon between participants of shared trips.

We recommend keeping the application up to date and, for important data, using the backup feature available in the settings.

The processing of personal data is described in the Privacy Policy, which forms part of these terms.

You may stop using the application at any time and delete your account directly in the app settings, which removes the data synchronized to the cloud as set out in the Privacy Policy.

These terms may be updated to reflect changes in the application or in the law. The date of the last update appears at the top of the page; material changes will be communicated through the application or through this website. Continued use after the update means agreement with the new version.

These terms are governed by Brazilian law. The courts of your domicile are elected for consumer relations in Brazil and, in all other cases, the courts of the judicial district of São Paulo/SP, without prejudice to the mandatory rules of your country of residence.

This section applies only to the application obtained from Apple's App Store and prevails over the other sections to the extent of any conflict with them.

• Parties: these terms are entered into between you and Moggy Digital, and not with Apple Inc. ("Apple"). Moggy Digital is solely responsible for the application and its content.
• Scope of the license: the license granted is personal, non-transferable and limited to the use of the application on any Apple-branded product that you own or control, in accordance with the Usage Rules set out in the App Store Terms of Service, including access by other accounts linked to you through Family Sharing or volume purchasing.
• Maintenance and support: Moggy Digital is solely responsible for the maintenance and support of the application. Apple has no obligation whatsoever to furnish any maintenance or support services.
• Warranty: in the event the application fails to conform to any applicable warranty, you may notify Apple, which may refund the purchase price. To the maximum extent permitted by law, Apple will have no other warranty obligation whatsoever, and any claim, loss, liability, damage, cost or expense arising from a failure to conform to any warranty is the sole responsibility of Moggy Digital.
• Product claims: Moggy Digital, and not Apple, is responsible for addressing your claims or those of third parties relating to the application or to your possession and use of it, including product liability, non-compliance with legal or regulatory requirements and claims based on consumer protection or privacy rules.
• Intellectual property rights: in the event of a third-party claim that the application or your possession and use of it infringes intellectual property rights, Moggy Digital, and not Apple, will be solely responsible for the investigation, defense, settlement and discharge of the claim.
• Legal compliance: you represent that you are not located in a country subject to a United States Government embargo or designated by it as a country supporting terrorism, and that you are not listed on any United States Government list of prohibited or restricted parties.
• Contact: questions, complaints and support requests must be addressed to Moggy Digital at the e-mail address contato@moggydigital.com.br.
• Third-party terms: you must comply with the terms of third-party agreements applicable to your use of the application, such as those of your wireless data plan.
• Third-party beneficiary: Apple and its subsidiaries are third-party beneficiaries of these terms and, upon your acceptance of them, you acknowledge that Apple will have the right to enforce them against you in that capacity.