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Terms of Service

Last updated: 22 September 2026 · Version: 2026-09-22

These terms govern your use of FLIO. By creating an account you agree to them. Please read them, section 2 in particular.

The Portuguese version of these terms is the authoritative one. FLIO is operated by a Brazilian company under Brazilian law, and this translation is provided for convenience.

1. Who we are

FLIO is operated by:

DASHFY CONSULTORIA EM SISTEMAS DE INFORMACAO LTDA CNPJ 56.098.018/0001-22 Rua Rio de Janeiro, 243, Sala 802, Centro, Belo Horizonte/MG, CEP 30.160-040, Brazil Contact: privacidade@flio.com.br

How we handle your personal data is described in the Privacy Notice, which forms part of these terms.

2. What FLIO is, and what it is not

FLIO is a personal finance organisation tool. It imports your transactions, categorises them, projects scenarios and presents analysis of your own financial behaviour.

FLIO is not, and this matters:

  • Not a financial institution. We are not a bank, a broker or a payment institution. We never hold, move or transfer your money under any circumstances.
  • Not investment advice or a recommendation. The projections, goals, insights and suggestions are informational and generated automatically from your history. They are not personalised investment recommendations and do not replace a certified professional. Financial decisions are yours.
  • Not accounting or tax advice.
  • Not a guarantee of any outcome. Projections are estimates built on the past. The future may not behave like it.

3. Who can use it

You must be 18 or older and legally able to enter into a contract. FLIO is not intended for minors.

4. Your account

  • Your registration details must be truthful and kept up to date.
  • The account is personal. You are responsible for what happens in it.
  • You are responsible for keeping your password safe and, especially, for protecting your email: because we offer magic-link sign-in, whoever can read your inbox has a route into your account.
  • Tell us immediately if you suspect misuse.

5. Plans, free trial and payment

FLIO is a subscription service billed monthly. Current plans and prices are on the plans page. What differs between them is how your data gets in, not the analysis features.

Free trial: every plan starts with 7 free days, all features unlocked, one connected bank account and no credit card required at sign-up. Because no card is held, the trial does not convert into a charge: at the end of it you choose whether to subscribe. If you do not, access simply ends.

Subscription: once you subscribe, billing is monthly and recurring, renewing automatically until you cancel. Payment is processed by a specialist provider; your card details are given directly to them and are not stored by FLIO.

Price changes: if prices change we will give at least 30 days' notice, and the change applies only to subsequent cycles. You can cancel before it takes effect.

Early access (beta)

This section applies while FLIO is in early access, and stops applying when that period ends.

During this phase signing up joins a waiting list: your account is created immediately, but access to the app is opened by invitation from us, in batches. Nothing is charged while you wait and the account is kept as it is.

Everyone let in gets a free period longer than the normal trial, counted from the moment access opens rather than from signup, and stated in the email telling you it is open. We ask for no credit card during this phase.

While in early access FLIO is under active development: features may change, appear or be removed, and there may be instability. Your information stays protected by the Privacy Notice and by your LGPD rights, which apply the same in any phase.

When early access ends, the free trial described in section 5 applies normally again to new signups. Anyone already let in keeps the period they were given, until the date they were told.

6. Right of withdrawal

Under Article 49 of the Brazilian Consumer Protection Code (CDC), you may withdraw from the contract within 7 calendar days of subscribing, without giving a reason, with a full refund of what you paid in that period.

To exercise it, write to privacidade@flio.com.br. This right is separate from the free trial and is not affected by it.

7. Cancellation

You can cancel at any time, with no penalty and no minimum term. Access continues until the end of the cycle you have already paid for, and there is no further charge after that.

Cancelling does not delete your data. If you want it removed as well, use Delete my account in Settings → Data, or write to privacidade@flio.com.br. The two are independent, and you decide whether you want one, the other, or both.

8. Connecting your bank

When you connect a bank through Open Finance:

  • The connection is made by a regulated provider, inside your bank's own environment. Your password never passes through FLIO.
  • Access is read-only. FLIO cannot move, transfer or pay anything.
  • The authorisation is yours and can be revoked at any time, in Settings → Data or directly with your bank.
  • The data comes from your financial institution. We do not guarantee the accuracy or timeliness of what it sends us, and we are not responsible for outages on their side.

The same applies to OFX statements you upload: we work with what the file contains.

9. Acceptable use

You agree not to:

  • Use FLIO for any unlawful purpose.
  • Upload third-party data without authorisation, or connect accounts that are not yours.
  • Attempt to access other users' data, or to circumvent technical and security limits.
  • Automate access, scrape data or overload the infrastructure.
  • Resell, sublicense or redistribute the service.

We may suspend an account that breaches this section, preferably after notice, and immediately where there is a security risk to you or others.

10. Content and intellectual property

Your data is yours. The transactions, notes, goals and files you add remain yours. You grant us only the licence needed to operate the service: to store, process and display that content back to you.

The software, brand, interface and content produced by FLIO are ours and protected by law. Nothing in these terms transfers that ownership.

11. Availability and changes to the service

We work to keep FLIO available but do not promise uninterrupted operation: maintenance, third-party failures and incidents happen.

We may change, add to or discontinue features. If we remove something material from the plan you subscribe to, we will give notice and you may cancel at no cost.

12. Liability

We are liable for defects in the service under the Consumer Protection Code. Nothing in these terms removes or limits the rights the law gives you as a consumer.

That said, and to the extent the law permits, we are not responsible for:

  • Financial decisions you make based on FLIO's analysis (see section 2).
  • Incorrect, incomplete or delayed data provided by your financial institution, by the Open Finance provider, or by files you upload yourself.
  • Unavailability caused by third parties or by force majeure.
  • Use of your account by someone who obtained access to your email or password through your own carelessness.

13. Termination

You may close your account whenever you like. We may terminate or suspend yours in case of breach of these terms, fraud, or legal requirement, giving you notice whenever possible.

Once the account is closed, your data is handled as described in the Privacy Notice.

14. Changes to these terms

We may update these terms. The date and version at the top show what is in force. Material changes will be announced in advance and, where the law requires, we will ask you to accept them again. If you disagree, you can cancel before the change takes effect.

15. Governing law and jurisdiction

These terms are governed by Brazilian law.

The courts of your own domicile are competent to hear any dispute, under Article 101, I of the Consumer Protection Code. You should not have to litigate far from home over a contract you signed on the internet.

16. Contact

privacidade@flio.com.br

DASHFY CONSULTORIA EM SISTEMAS DE INFORMACAO LTDA · CNPJ 56.098.018/0001-22 Rua Rio de Janeiro, 243, Sala 802, Centro, Belo Horizonte/MG, CEP 30.160-040, Brazil

Document version: 2026-09-22