Terms and conditions of use

1. Acceptance

These terms govern the use of the waitlist, the presale, the justapp.cloud website and the Just mobile app (together, the “Service”). By signing up, buying or using the Service you accept these terms and the Personal data processing policy. If you don’t agree, don’t use the Service.

2. Who provides the Service

Just is a brand of SOFTWARE TECNOLOGIA E INNOVACION S.A.S. (“Just” or “we”), a Colombian company with tax ID (NIT) 901.836.959, domiciled in Cali, Colombia.

• Address: Calle 46 # 11-33, Cali, Colombia
• Email: hola@trackva.com.co

3. Requirements

You must be over 18 and legally able to enter into contracts. The information you give us must be truthful and up to date. You are responsible for the security of your account and your device.

4. Waitlist

1. Signing up is free and doesn’t oblige you to buy anything.
2. Signing up gives you priority access to the presale and to launch information. Your spot on the list is informational and may change.
3. If you share your invite link, you can move up the list for every person who signs up with it. This doesn’t earn cash prizes. We will cancel spots obtained with fake emails, automated sign-ups or any other fraud.
4. You can leave the list at any time by writing to hola@trackva.com.co or with the link we will include in every email.

5. Presale and founder price

1. What you buy. The founder price is an annual subscription to the Household plan, with every feature marked “At launch”, for US$20 per year, taxes included. The first year starts on the day the app becomes available in your store (App Store or Google Play), not on the day you pay.
2. Lifetime price. You keep the founder price at every annual renewal as long as your subscription stays active without interruption. If you cancel it or let it lapse, you lose the founder price and, if you come back, you pay the current price.
3. Who can buy. Only people on the waitlist, with the personal link we send them, while spots last (100 at most) and within the announced period. The purchase is completed on Google Play or the App Store, depending on your phone.
4. Estimated date. We estimate launching on December 15, 2026. If the app isn’t available by January 30, 2027, you are entitled to a refund of 100% of what you paid, with no deductions: we process it with you through the store where you paid.
5. Included features. The website marks each feature as “At launch” or “Coming soon”. The founder price guarantees the features marked “At launch”. Those marked “Coming soon” are development plans: we don’t guarantee a date and, when they arrive, we don’t charge for them separately as long as you keep the founder price.
6. Right of withdrawal. Since this is an online purchase, you can withdraw within five (5) business days after payment, under article 47 of Colombian Law 1480 of 2011. Since the store receives the payment, the refund goes through it: request it on Google Play (from your order history) or from Apple (at reportaproblem.apple.com). If the store doesn’t approve it, write to us at hola@trackva.com.co and we’ll sort it out with you.
7. Refunds and payment reversal. Outside the withdrawal period, refunds follow Google Play and App Store policies. None of this limits your right to ask your bank for a payment reversal in the cases of article 51 of Law 1480 of 2011.
8. Payments. Payments are processed by Google (Google Play) and Apple (App Store), depending on your phone, under their own terms. We don’t receive or store your card numbers.

6. What Just is and isn’t

1. Just is a tool to record, organize and analyze your personal and household finances.
2. We are not a financial institution. We don’t take deposits, make payments or transfers, or grant credit, and we don’t have access to your bank accounts.
3. We don’t give financial advice. The “card of the day” recommendation is calculated from the statement dates, payment dates and credit limits you enter. It is informational: always check your bank’s terms (rates, installments, dates) before deciding.
4. The figures in the app depend on the information you enter or approve. They don’t replace your bank statements.

7. Automatic capture

1. On Android, the app can read notifications from the banking apps you authorize. On iPhone, it can record Apple Pay purchases through a Shortcuts automation that you set up.
2. You grant and revoke that permission yourself in your phone’s settings. Without it, the app works with manual, chat or voice entry.
3. Capture may fail or duplicate transactions, for example if a bank changes the format of its messages or if a merchant doesn’t report the purchase to Apple Pay. That’s why detected transactions go to an inbox for you to review.

8. Artificial intelligence

1. We use artificial intelligence models to interpret what you type or dictate, classify transactions, suggest categories and answer questions about your finances.
2. AI can make mistakes. Review entries and answers before making decisions based on them.
3. We don’t allow our AI providers to use your data to train their models.

9. Shared household

1. You can create a household or join one by invitation. Everything you mark as “household” (transactions, cards, budgets) is visible to all its members. Everything you mark as “personal” is visible only to you.
2. Whoever creates the household is its administrator and can invite and remove members.
3. If you leave a household, what you recorded as “household” stays in it. Your personal data remains yours alone.
4. Only invite people who accept these terms. Don’t record other people’s data without their permission.

10. Subscription, renewal and cancellation

1. After the trial period, the app requires a paid subscription. The current price is shown in the app before you are charged.
2. Subscriptions bought in the app are charged and renewed through the App Store or Google Play, under their rules. You cancel them from the store settings, at least 24 hours before renewal.
3. If we change the price, we’ll notify you at least 30 days in advance. If you have the founder price, your price doesn’t change as long as your subscription stays active.

11. Acceptable use

You may not use the Service for illegal activities, to record other people’s data without authorization, to try to access other people’s accounts or data, to reverse engineer it, to overload the system or to resell the Service without a written agreement.

12. Intellectual property

The app, the brand, the design and the code belong to SOFTWARE TECNOLOGIA E INNOVACION S.A.S. or its licensors. We grant you a personal, non-exclusive and non-transferable license to use the app while you have an account. Your data is yours: we don’t acquire ownership of it.

13. Availability and changes to the Service

We work to keep the Service available and working well, but there may be interruptions due to maintenance, third-party failures (stores, banks, cloud providers) or causes beyond our control. We may improve, change or remove features; if we remove an essential feature you paid for, we’ll offer you an alternative or a proportional refund.

14. Liability

1. We are liable under Colombian law, in particular Law 1480 of 2011. Nothing in these terms limits the rights that law gives you as a consumer.
2. We are not liable for financial decisions you make based on the app, for differences with your bank statements, for charges from your bank, or for failures of your device, the stores or the banking apps.

15. Termination

You can close your account whenever you want from Settings. When you do, we delete your data as described in the Personal data processing policy. We may suspend or close accounts that breach these terms, with prior notice except in cases of fraud or security risk.

16. Requests, complaints and claims

Write to us at hola@trackva.com.co. We reply within fifteen (15) business days at most. If you’re not satisfied, you can go to Colombia’s Superintendence of Industry and Commerce (www.sic.gov.co).

17. Governing law

These terms are governed by the laws of the Republic of Colombia.

18. Changes to these terms

If we change these terms, we’ll notify you by email or in the app at least 15 days before the change takes effect. If you keep using the Service after that date, you accept the new terms.