Terms of Use and Subscription

Terms of Use and Subscription

No custody, no transfers and no bank connections

• Qiryah does not hold money belonging to any user.
• Qiryah does not carry out transfers, Pix, SEPA or payments of any kind.
• Qiryah does not connect bank accounts or use banking data via Open Finance.
• Entries, savings jars and simulations are educational, personal records operated by you.

1. Strictly educational nature (CVM / CNMV / MiFID II)

Qiryah is a support tool for personal, household and family financial planning. It does not provide investment advice, regulated financial consulting, securities brokerage or individualised recommendations. Simulations and reference rates are theoretical mathematical projections, with no guarantee of future returns. Before any financial decision, consult official sources and qualified professionals.

2. Account and use of the app

• You must be 18 or older and provide truthful information.
• Your password is personal; keep it safe and let us know in case of misuse.
• Guest mode stores everything on your device; when you create an account, those records are uploaded to your account.
• It is forbidden to use the app for illegal purposes, to try to bypass limits or to attack the service.

3. Plans and prices

• Qiryah Basic: R$ 9,90/month (Brazil), € 5,99/month (Europe) or US$ 1,99/month.
• Qiryah Premium: R$ 14,90/month (Brazil), € 8,99/month (Europe) or US$ 2,99/month.

The final price is the one displayed by the store at the time of purchase, in your currency, taxes included. The quotas of each plan (AI messages, analyses, lessons per day, etc.) are shown on the plans screen in the app and may evolve with prior notice.

4. 7-day free trial

The 7-day free trial period is a commercial benefit for testing the features. It does not replace or condition the legal rights of withdrawal and cancellation provided for in the consumer protection legislation of your country.

5. Automatic renewal and cancellation

Subscriptions renew monthly until cancelled. There is no lock-in period or penalty.

• Google Play (Android): Profile → Payments and subscriptions → Subscriptions → Qiryah → Cancel.
• App Store (iOS): Settings → your name → Subscriptions → Qiryah → Cancel.

Cancellation takes effect at the end of the period already paid; until then, access continues.

6. Consumer rights, withdrawal and refunds

• Brazil: the Consumer Protection Code (CDC) applies, including the right of withdrawal under art. 49 where applicable.
• European Union: the 14-day right of withdrawal applies, subject to the conditions and exceptions of consumer protection legislation.

Refund requests are handled by the store where the purchase was made, according to its rules.

7. Content and AI features

The lessons, portals, laws and rates cited in the app are general reference information that may change; always check official sources. The AI assistant's answers are generated automatically, may contain errors and do not constitute professional advice. Use of the AI features is subject to the quotas of your plan.

8. Intellectual property

Qiryah's content (lessons, texts, brand, design and software) is protected and licensed for your personal, non-commercial use. The records you create are yours.

9. Suspension and termination

We may suspend accounts that violate these terms or put the service at risk, with notice whenever possible. You can close your account at any time in the app; deletion is immediate and permanent.

10. Governing law

For residents of Brazil, Brazilian law applies, with jurisdiction in the consumer's place of residence. For residents of the European Union, the law of the country of residence and European consumer legislation apply. The full, up-to-date version of these terms is available at https://www.qiryah.com/terms.