1. Acceptance and service description
By installing or using ConCualPago, you agree to these terms. The app is an informational tool that compares user-configured dates to estimate the time available until payment for a credit card purchase.
2. Nature of the estimates
The estimate assumes that the entered closing and payment days are correct and applies calendar rules. A merchant or card issuer may post a transaction on a different date, especially near the closing date. Your bank’s statements, agreements, rates, fees, and conditions always prevail.
3. User responsibility
You are responsible for verifying and keeping your information current, reviewing information from your bank, and deciding whether to make a purchase. Do not use the app as the sole basis for taking on debt, avoiding payments, calculating interest, or making significant financial decisions.
4. Permitted use
You may use ConCualPago for lawful personal purposes. You may not attempt to alter, interfere with, abuse, or use the app in a way that violates third-party rights or applicable law.
5. Intellectual property
The app, visual identity, text, and components are protected by applicable intellectual property laws. These terms do not transfer ownership of them.
6. Availability and changes
We aim to keep the app functional but do not guarantee uninterrupted availability or complete absence of errors. Features may be fixed, changed, or removed to improve security, compatibility, or usefulness. Updates may require a compatible Android version.
7. Limitation of liability
To the extent permitted by law, the developer is not responsible for purchase decisions, fees, interest, late payments, or losses resulting from incorrect data, posting-date changes, bank conditions, or exclusive reliance on an estimate. Nothing in these terms limits non-waivable consumer rights.
8. Privacy
Data handling is described in the Privacy Policy.
9. Governing law
These terms are governed by the laws of Costa Rica, without limiting mandatory consumer protections in your place of residence.
10. Contact
For questions, email [email protected].