Terms of Use - FlashBill

Last updated: August 5, 2026

Document version: 2026-08-05

These Terms of Use are a contract between you and JESUS ALBERTO DUERTO PRADO, an individual with business activity trading as "JDev Studio", with address in Alcaldia Venustiano Carranza, C.P. 15750, Mexico City, Mexico, owner of the mobile app, the web platform and the site flashbill.app. Below, "we" or "FlashBill" for the service, and "you" for the person using it.

By pressing the sign-in button, creating an account or using FlashBill, you state that you have read these Terms and our Privacy Notice, that you understand them and that you agree to be bound by them. If you disagree with any part, do not use FlashBill. Please pay particular attention to sections 9, 13, 14 and 15, which limit our liability and determine how a dispute is resolved.

1. What FlashBill is and what it is not

FlashBill is a personal finance organization tool. It lets you manually record income, expenses, accounts, cards, budgets and person-to-person loans, attach receipts, view reports and receive reminders you set yourself.

FlashBill is not a financial institution, a bank, an electronic payment funds institution, a fintech institution, a brokerage, an investment adviser, or an accounting, tax or law firm. We are not regulated by Mexico's National Banking and Securities Commission or any equivalent financial authority, because we do not carry out any activity that would require it.

FlashBill does not connect to your bank accounts, does not move money, does not process payments between people, does not extend credit, does not collect debts, does not report to credit bureaus and does not take part in any way in the loans you record.

All the information you see in the app comes from what you entered. Calculations, charts and projections are arithmetic operations on that data, are provided for information only and do not constitute financial, tax, accounting or legal advice. Decisions you make based on them are yours.

2. Who can use FlashBill

You must be at least thirteen years old. If you are under eighteen, you must use FlashBill with the knowledge and supervision of a parent or guardian, who accepts these Terms on your behalf and takes responsibility for your use. If the minimum age to consent to online data processing in your country is higher, that age applies.

You must also have legal capacity to enter into a contract and must not be barred from receiving the service under the laws applicable to you, including the sanctions and export control lists referred to in section 16.

One person, one account. You may not create accounts by automated means, or assign, sell or lend yours.

3. Your account

Access to FlashBill is through Google Sign-In, Apple Sign-In or, if you enable it, a passkey tied to your device's fingerprint or face recognition. We do not use passwords of our own.

You are responsible for keeping control of the email account, Apple ID and devices you use to sign in, and for all activity carried out from your account. Tell us immediately if you detect unauthorized access. Inside the app you can view and close sessions open on other devices.

We may limit the number of devices signed in at the same time depending on your plan, and we will tell you about that limit inside the app before it affects you.

4. License to use

We grant you a personal, limited, revocable, non-exclusive, non-transferable and non-sublicensable license to install and use FlashBill on devices you own or control, solely for your personal, non-commercial use, subject to these Terms and to the rules of the store you downloaded it from.

No other ownership is transferred to you. Anything not expressly granted is reserved.

5. Acceptable use

You agree not to: use FlashBill for unlawful activities, including money laundering, fraud, usury or lending at illegal interest rates; record third-party information without their consent; harass, threaten or improperly pursue payment from another user through the shared loan or invitation features; send bulk or unsolicited invitations; attempt to access accounts, data or systems that are not yours; circumvent usage limits, purchase verification, anti-fraud measures or device controls; reverse engineer, decompile, extract the source code or create derivative works, except to the extent applicable law expressly allows it and does not permit waiver; use bots, crawlers or automated data extraction; resell, redistribute or offer FlashBill as your own service; or deliberately overload the infrastructure.

You also agree not to use FlashBill if an authority has prohibited you from doing so or if your use would infringe the law of your country.

6. Your content and your data

The content you record - entries, notes, images, names - remains yours. We acquire no ownership over it.

You grant us only the technical license needed to host, encrypt, back up and sync it across your devices and display it to you, and - only if you expressly instruct it - to show the entries of a loan to the person you share it with. That license ends when you delete the content or your account. We do not use your content for advertising, do not transfer it and do not train models with it.

You state that you have the right to record the information you enter, including third-party data, and that your content does not infringe anyone's rights or the law.

7. End-to-end encryption and recovery PIN

The sensitive fields in your records are encrypted on your device before being uploaded. The key lives in your device's secure keychain and we do not know it.

So that switching phones does not cost you your history, when your account is encrypted the app generates an eight-digit PIN, stores a copy of the key wrapped with that PIN on our servers, and emails it to you once. We keep no copy of the PIN; it only passes through our servers at the moment of sending, and the email is deleted from our queue on delivery. You can replace it with one of your own from the profile screen, and that one is never sent anywhere.

This means we cannot read that data, and also that we cannot recover it for you. If you lose your device and lose both your PIN and the email holding it, the encrypted information will be permanently unrecoverable, for you and for us. There is no rescue procedure and no back door, by design.

You are responsible for keeping that email or your PIN somewhere safe and for maintaining your own exported backups if those records matter to you. If you lose access, the app offers to delete the encrypted data so you can use your account from scratch: that is final and recovers nothing. By accepting these Terms you acknowledge that you understand and accept this consequence of encryption.

8. Person-to-person loans and shared features

The loans section is a notebook. It exists so you can keep track of money you lent or borrowed. We do not create, endorse, certify or guarantee any debt.

FlashBill is not a party to any agreement between you and the person you record a loan with. We do not verify the accuracy of amounts, we are not an arbiter of any discrepancy, we do not handle collections and we accept no liability whatsoever for default, late payment, interest, security or any conflict arising between the parties. Any claim is settled exclusively between you.

If you use the share-a-loan or invite-a-contact feature, you decide what information is shown and to whom. By inviting someone you state that you have their consent to use their email address for that purpose. Either party may revoke the link at any time; once revoked, the other party stops seeing new entries, although they keep those already recorded in their own history.

A record created in FlashBill does not replace a contract, promissory note, receipt or any other document with legal effect, and must not be used as one.

9. FlashBill Premium: subscription, billing and auto-renewal

FlashBill can be used free of charge. Some additional features require a paid subscription called FlashBill Premium.

Available plans: FlashBill Premium Individual, monthly or annual. The plan title, its exact length, the price in your local currency and the features it includes are clearly shown on the plans screen inside the app before you confirm any purchase. Prices may vary by country and already include any taxes the store collects.

Billing: payment is charged to your App Store or Google Play account when you confirm the purchase. JDev Studio does not receive, see or store your card or payment method details.

Auto-renewal: the subscription renews automatically for equal periods at the price then in effect, unless you cancel at least twenty-four hours before the end of the current period. The renewal charge is applied within the twenty-four hours before the end of the current period.

How to cancel: on iPhone or iPad, Settings, your name, Subscriptions. On Android, Google Play, your profile, Payments and subscriptions. You can also reach those screens from the Premium section in the app. Cancelling stops future renewals and keeps your Premium access until the end of the period already paid for.

Refunds: they are processed exclusively by Apple or Google under their own policies, not by us, because we are not the ones charging you. Cancelling mid-period does not generate a pro-rata refund, unless the store or the law of your country provides otherwise. None of this limits any withdrawal or refund rights granted to you by the consumer legislation of your country of residence.

Free trial: if a plan offers a free trial, any unused portion is forfeited when you subscribe to a subscription of the same type, in line with the store's rules.

Price changes: if we change the price, we will notify you as far in advance as the relevant store requires and the new price will only apply from your next renewal. The store will ask you to confirm before charging you a higher amount; if you do not confirm, the subscription does not renew.

Restore purchases: if you change device or reinstall the app, use "Restore purchases" on the plans screen. A subscription bought in one store can only be restored in that same store: a purchase made in the App Store does not carry over to Google Play, or the other way round.

Changes to Premium features: we may add, change or remove features. If we remove a core feature of the plan you paid for, you may cancel and ask the store for whatever pro-rata refund applies under its policies.

Deleting your account does not cancel your subscription. Cancel it in the store first.

10. Intellectual property

FlashBill, its name, logo, design, interface, texts, code and databases are the property of JDev Studio or its licensors and are protected by applicable intellectual and industrial property law. These Terms transfer no ownership right to you.

If you send us suggestions, ideas or feedback about the product, we may use them freely and without compensation, and this gives you no right over the features that result from them.

11. Third-party services

FlashBill runs on Apple, Google and Firebase services. Your use of those services is also governed by their respective providers' terms. We are not liable for interruptions, changes or failures attributable to them, without prejudice to our own obligations to you.

12. Availability, changes and beta versions

We aim to keep FlashBill available at all times, but we do not guarantee uninterrupted or error-free operation. We may carry out maintenance, update the app and modify, suspend or discontinue features.

If we decided to discontinue FlashBill entirely, we would give you at least ninety calendar days' notice, keep data export available during that period and stop charging renewals after the notice.

Some features may be offered marked as beta or in testing. They are provided as is, may change or disappear, and should not be used for information you cannot afford to lose.

We may require you to update to a recent version of the app to keep using the service, when the older version is no longer secure or compatible.

13. Warranties

To the maximum extent permitted by applicable law, FlashBill is provided "as is" and "as available", without express or implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, continuous availability or absence of errors.

We do not warrant that the calculations, reminders or projections are suitable for your particular situation, or that the app will prevent a charge, a debt or a loss.

Some jurisdictions do not allow the exclusion of certain warranties; in that case the exclusions above apply only to the extent the law permits and you keep any non-waivable statutory warranties you have as a consumer.

14. Limitation of liability

To the maximum extent permitted by applicable law, JDev Studio will not be liable for: financial, tax or personal decisions you make based on information in the app; data loss resulting from the loss of your device or your recovery code, as described in section 7; breaches, disputes or damages between you and another person regarding a recorded loan; interruptions, failures or losses attributable to Apple, Google, your Internet provider or your device; or for indirect, incidental, special, punitive, moral or consequential damages, including lost profits and lost opportunity.

Where liability cannot be excluded, it will be limited, in the aggregate and for all claims combined, to the greater of: the amount you paid for FlashBill Premium in the twelve months before the event giving rise to it, or the equivalent in your currency of fifty United States dollars.

Nothing in these Terms excludes or limits liability for willful misconduct, fraud, gross negligence, death or personal injury, or any other liability that applicable law does not allow to be excluded. If you are a consumer, this section does not affect your non-waivable rights under Mexico's Federal Consumer Protection Law or the equivalent legislation of your country.

15. Governing law and dispute resolution

A. General rule

These Terms are governed by the laws of the United Mexican States, without regard to their conflict-of-law rules.

Before going to formal proceedings, write to us at revocacion@jdevstudio.mx describing the problem. We undertake to respond and try to reach a good-faith solution within thirty calendar days. Most matters are resolved this way.

If you are a consumer resident in Mexico, you may go to the Federal Consumer Protection Agency (PROFECO) or to the competent courts of Mexico City. If you are a consumer resident in another country, you may sue in the courts of your domicile where your law allows it: we do not ask you to waive that right. In any other case, jurisdiction lies with the competent courts of Mexico City.

B. Additional provision for residents of the United States of America

If you reside in the United States of America, any dispute not resolved under the previous paragraph will be submitted to individual, binding arbitration, administered by the American Arbitration Association under its Consumer Arbitration Rules, in the county of your domicile or by videoconference, and governed by the Federal Arbitration Act. The arbitrator will decide individual claims only: you and we waive the right to bring class, collective or representative actions, and the right to a jury trial.

Claims that may be brought in small claims court and actions to protect intellectual property rights are excluded from arbitration.

How to opt out: you may opt out of this arbitration clause by emailing revocacion@jdevstudio.mx with the subject "Arbitration opt-out", your name and your account email, within thirty calendar days of your first acceptance of these Terms. Opting out does not affect your use of FlashBill or the rest of this contract in any way.

16. Provisions required by the app stores

A. Apple

These Terms are entered into between you and JDev Studio, not with Apple Inc. Apple is not responsible for FlashBill or its content.

On iOS, iPadOS, macOS and other Apple platforms, the license in section 4 is limited to non-transferable use on Apple-branded devices that you own or control, as permitted by the Usage Rules in the App Store Terms of Service, including sharing the app with members of your Family Sharing group where applicable.

Apple has no obligation whatsoever to furnish maintenance or support services for FlashBill. Support is provided solely by JDev Studio at revocacion@jdevstudio.mx.

If FlashBill fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any. To the maximum extent permitted by law, Apple will have no other warranty obligation; any claim arising from failure to conform to a warranty is the responsibility of JDev Studio.

JDev Studio, and not Apple, is responsible for addressing any claim by you or a third party relating to FlashBill: product liability, failure to conform to legal or regulatory requirements, and consumer protection or privacy claims.

If a third party claims that FlashBill infringes its intellectual property rights, JDev Studio, and not Apple, will be responsible for the investigation, defense, settlement and discharge of that claim.

You represent that you are not located in a country subject to a United States Government embargo or designated as a terrorist supporting country, and that you are not listed on any United States Government list of prohibited or restricted parties.

Apple and its subsidiaries are third-party beneficiaries of this section and, by accepting these Terms, you acknowledge that Apple will have the right to enforce it against you as a third-party beneficiary.

B. Google Play

If you obtained FlashBill on Google Play, your use is also subject to the Google Play Terms of Service. Google is not a party to this contract and is not responsible for FlashBill. Purchases, refunds and cancellations are governed by Google Play's policies.

17. Suspension and termination

You may terminate this contract at any time by deleting your account in Profile, Help and support, Delete all data, Delete account, or at https://flashbill.app/delete-account. Remember to cancel your subscription in the store first.

We may suspend or terminate your access if you breach these Terms seriously or repeatedly, if your use endangers the security of the service or of other people, or if an authority or an app store requires it. Unless the severity of the case or the law prevents it, we will notify you first, explain the reason and give you a chance to fix the situation and export your data.

If we suspend your account for reasons not attributable to you and you had an active Premium subscription, we will help you obtain from the store whatever pro-rata refund applies.

Sections 6, 7, 10, 13, 14, 15, 16 and 18 survive termination.

18. Final provisions

Changes to these Terms: we may update them. Minor changes take effect when the current version is published inside the app and at https://flashbill.app/termsofuse. Material changes - price, scope of the license, limitations of liability or dispute resolution - will be notified at least thirty calendar days in advance by email or inside the app, and we will ask you to accept them to continue. If you do not accept, you can delete your account before they take effect; changes do not apply retroactively to a dispute already underway.

Record of your acceptance: each time you accept these Terms and the Privacy Notice, we keep a record with the server date and time, the version and cryptographic fingerprint of the documents shown to you, the language, the platform and the app version. You may request a copy of that record by writing to revocacion@jdevstudio.mx.

Severability: if a court declares any provision invalid or unenforceable, the rest remains in force and that provision will be construed as closely as possible to the original intent within what the law allows.

Waiver: our failure to exercise a right at a given time does not mean we waive it.

Assignment: you may not assign this contract. We may assign it in the event of a transfer of the business, informing you in advance and without reducing your rights.

Entire agreement: these Terms and the Privacy Notice are the complete agreement between you and us regarding FlashBill, and supersede any prior understanding.

Force majeure: we are not liable for failures caused by events beyond our reasonable control.

Language: the Spanish version is the reference version. The English and Portuguese translations are provided for your convenience; in case of discrepancy, Spanish prevails, unless the law of your country of residence provides otherwise.

Notices: we will write to your account email or notify you inside the app. You can notify us at revocacion@jdevstudio.mx.

19. Contact

Owner: JESUS ALBERTO DUERTO PRADO, JDev Studio.

Address: Alcaldia Venustiano Carranza, C.P. 15750, Mexico City, Mexico.

Email: revocacion@jdevstudio.mx.

WhatsApp: +52 55 3915 7184.

Website: https://jdevstudio.mx and https://flashbill.app.

FlashBill - Transparent and secure personal finances.