Acceptance and eligibility
These Terms govern the use of Pixio's apps, website and services, provided by BYMAV LTDA (CNPJ 65.003.381/0001-08). By creating an account or using the service, you declare that you have read and accept these Terms and the Privacy Policy.
To create an account, you must have the legal capacity to enter into contracts and provide true and up-to-date information. If you do not agree with these Terms, you must not use Pixio.
Service exclusively for people over 18
By creating an account or using Pixio, you declare and warrant that you are at least 18 years old. If we identify an account used by a minor, we may suspend or terminate access and delete or anonymize the personal data, except for records that must be kept due to a legal obligation, for security or for the regular exercise of rights.
For purposes of the Children's Online Privacy Protection Act (COPPA), the service is not directed to children under 13 and we do not knowingly collect personal data directly from them. Suspected accounts or use by a minor should be reported to help@pixio.cloud.
Family and couple plan
The family or couple plan brings together only people aged 18 or older, each with their own account and login. The person who creates the family (the owner) may only invite an adult and declares this when inviting; the invitation is valid only if the person accepts it. Pixio does not register children or other minors as members or dependents, and using the plan to give access to a minor is prohibited.
The subscription belongs to the owner, who purchases it on the App Store and manages it. The other members use the plan's features while the family is active; if the owner's subscription ceases to be valid, members stop seeing the shared data until the plan returns.
What other members can see (accounts, spending, goals and net worth) follows the family's visibility rules. Each member may leave at any time, and the owner may remove members and change the invitation; access ends immediately.
What Pixio offers
Pixio is a personal finance organization and intelligence platform. Depending on the plan and the availability of each feature, the service may include:
- consolidation of accounts, cards, credit and investments;
- categorization and search of transactions;
- budgets, goals, alerts, net worth and reports;
- reading of receipts and information entered by you;
- an artificial intelligence assistant, by text, voice or WhatsApp, to explain and organize information (you are talking to an AI, not a person);
- a family or couple plan, between adults, when purchased.
Features may vary by platform, connected institution, plan, region or launch phase. Changes that significantly reduce a paid service will be communicated in an appropriate manner.
Investments, markets and artificial intelligence
Positions, quotes, returns, portfolio composition, comparisons, projections, explanations and answers generated by artificial intelligence are for informational and educational purposes. They do not constitute an offer, a solicitation, a promise of return or a recommendation to buy, sell or hold any asset.
- All investing involves risk and may result in partial or total loss.
- Past performance does not guarantee future results.
- Market and institution data may be delayed, unavailable or erroneous.
- AI answers are probabilistic and may be incorrect or incomplete.
Before making a decision, check the information with the responsible institution and, when you need an individualized recommendation, consult a duly qualified professional. A notice does not replace Pixio's duty to present information diligently and does not limit rights guaranteed by law.
Open Finance connections
Pixio uses a technology provider to start and maintain connections authorized by you. Consent takes place in the financial institution's flow and defines the data, purpose and duration of the sharing.
You may revoke the authorization through the available channels. Revocation ends new syncs, but may not immediately delete data already received where there is a legal obligation, a security need or the regular exercise of rights, as set out in the Privacy Policy.
Your account and security
You agree to:
- keep your registration details correct and up to date;
- protect your device and the credentials used to access Pixio;
- not share your account or allow access by an unauthorized person;
- notify Pixio if you suspect unauthorized access or fraud;
- review permissions granted to family members or third parties.
We may request additional verification, limit a session or temporarily suspend access when there is reasonable indication of fraud, account compromise or risk to other people. Whenever possible, we will tell you the reason and how to regain access.
Plans, billing and cancellation
Paid features, price, billing period, trial period and renewal conditions are shown on the plans screen before you subscribe. The subscription is billed by Apple (App Store) to the payment method on your Apple account; Pixio does not receive your card details.
- The subscription renews automatically at the end of each period until you cancel.
- To cancel or change plans, open iPhone Settings › your name › Subscriptions › Pixio. Cancellation stops future renewal and keeps access until the end of the period already paid, unless the law or a more favorable condition shown in the product provides otherwise.
- Deleting your Pixio account does not cancel the subscription: cancel with Apple first, so you are not charged again.
- For purchases made away from a commercial establishment, such as in the app, you may withdraw within 7 days (Consumer Protection Code, art. 49). Since billing is handled by Apple, the refund request is made to Apple, at reportaproblem.apple.com.
- Other refunds follow applicable law and Apple's rules, without removing consumer rights.
Referral and rewards program
The referral program lets you invite friends and family to Pixio and earn rewards, such as exclusive in-app content or a free period of the paid plan. The available rewards and what is required to earn each one appear on the app's referral screen. Participation follows these Terms and the conditions shown on that screen.
- A referral only counts when made through your invitation code or link.
- The reward is released after the referred person creates an account and completes the required actions. Some rewards require them to subscribe to a paid plan and get past the first charge.
- The program's rewards belong to the person who refers. Any benefit for the invited person is stated in the invitation itself.
- The free period of the paid plan may be delivered as an App Store offer code, redeemed on your Apple account and subject to Apple's rules.
Who counts as a referral. Only a person who is new to Pixio, who has never had an account, and who is 18 or older counts. We check each referral before releasing the reward.
Proper use of the program. Abusing or manipulating the program is prohibited, for example by creating fake or duplicate accounts, referring yourself, using automation or bots, sending spam or acting in bad faith. Send the invitation only to people who agree to receive it. If we identify abuse, we may refuse the referral, withhold or cancel rewards and reverse those already delivered, in addition to the measures provided for in Permitted use. We will inform you of the decision, and you may contest it at help@pixio.cloud.
Your data. To verify referrals and prevent fraud, we record the link between your account and the referred person's account and the progress of their registration and subscription. The person who refers does not receive access to the referred person's financial data. Processing follows the Privacy Policy and the LGPD.
Changes and termination. We may change, suspend or end the program and change the rewards or what is required to earn them. Changes take effect upon publication in the app and do not remove rewards already earned, except in case of abuse.
No cash value. Rewards may not be sold, exchanged for money or transferred to another account. If a reward gives rise to a tax for you, payment is your responsibility, in accordance with the law.
Permitted use and prohibited conduct
You may not use Pixio to:
- commit fraud, money laundering or any unlawful activity;
- access an account, family, data or system without authorization;
- circumvent security controls, usage limits or billing;
- introduce malicious code, or overload or interfere with the service;
- copy, resell or exploit the service beyond the permissions of these Terms;
- upload content that violates the rights, privacy or property of third parties.
We may limit or suspend use to investigate a violation, protect users or comply with a legal order. The measure must be proportionate to the risk and does not exclude the means of contestation available.
Availability and data quality
We work to keep Pixio secure and available, but financial integrations, providers, networks and app stores may be temporarily unavailable. Maintenance, incidents, force majeure or third-party changes may also interrupt part of the service.
Imported information may be delayed, duplicated, miscategorized or differ from the source. You can correct certain data in Pixio, but you must confirm critical amounts directly with the originating institution.
Intellectual property and your content
Pixio's software, visual identity, trademarks, texts, interfaces and other elements are protected by applicable law. These Terms grant only a personal, limited, revocable, non-exclusive and non-transferable license to use the service.
You remain the owner of the content you enter. By submitting it, you authorize Pixio to store, process, technically reproduce and display that content only to the extent necessary to provide, protect and improve the service in accordance with these Terms and the Privacy Policy.
Trademarks, names and logos of financial institutions, brokerages and companies displayed in Pixio belong to their owners and serve only to identify them; they do not indicate partnership or endorsement. If you are a copyright or trademark holder and believe something in Pixio infringes your rights, follow the procedure on the Copyright page.
Account termination
You may delete your account in the app (Settings › Account details › Delete account) or request deletion at help@pixio.cloud. Data deletion follows the criteria of the Privacy Policy and may preserve records required by law or necessary for the defense of rights. The Apple subscription continues until you cancel it in iPhone Settings.
Pixio may terminate an account for serious or repeated violation of these Terms, fraud, security risk, legal order or discontinuation of the service. When the situation allows, we will give notice and a reasonable opportunity to export data and to contest the decision.
Liability and consumer rights
Each party is responsible for its acts within the limits of applicable law. Nothing in these Terms excludes or reduces liability that cannot be excluded by law, including the warranties and rights provided for in the Consumer Protection Code.
Pixio is not liable for a decision made solely by you based on information that should have been verified at the source, nor for an act, failure or unavailability of a third party beyond its reasonable control. This rule does not apply where the damage results from a defect in the service itself, a security failure attributable to Pixio, willful misconduct, negligence or any other case of liability provided for by law.
Privacy and data protection
The processing of personal data is explained in the Privacy Policy, which forms part of these Terms. It details the data, purposes, legal bases, processors, transfers, retention and how to exercise your rights under the LGPD.
If there is a conflict between these Terms and the Policy regarding data processing, the more specific rule of the Privacy Policy prevails, without prejudice to applicable law.
Changes, governing law and contact
We may update these Terms due to legal, regulatory, technical or product changes. The current version and its date are published on this page. Significant changes will be communicated prominently before they take effect where the law or the nature of the change so requires.
Brazilian law applies. Any disputes will be handled in the competent forum under the law, preserving the consumer's right to use the forum of their place of residence where applicable.
Provider: BYMAV LTDA · CNPJ 65.003.381/0001-08.
Address: information on file.
Contact, support and privacy: help@pixio.cloud.