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My Two Cents

Terms of Use

My Two Cents · iOS & Android app · Last updated: November 2026

1. Acceptance

By downloading, installing or using My Two Cents (the "App", called Meus Trocados in Brazil) you agree to these Terms of Use and to the App Privacy Policy. If you do not agree, do not use the App.

The App is offered by GGSA Consultoria em TI Ltda., a company based in São Paulo, Brazil (CNPJ 49.390.014/0001-58), operating under the brand names My Two Cents and Meus Trocados.

2. What My Two Cents is

My Two Cents is a personal finance organization app. The Free plan covers complete financial tracking; the Pro plan adds AI-generated diagnosis and suggestions, an AI assistant, voice entry, cash flow forecasting and automatic document reading (statements). The App does not connect to your bank, does not move money, and is not a bank, a broker, a lender or a payment service.

3. Who can use the App, and your account

The App is for people who are at least 18 years old. It is not directed to children under 13, and we do not knowingly collect their data.

The App works entirely without an account, with your data only on your device. You may optionally create an account with Apple or Google to sync across devices. You are responsible for your devices and for what happens under your account. You can sign out, or delete your account in the App, at any time.

4. Not financial advice

My Two Cents is a tool to organize and view the information you enter. We are not financial advisors, investment advisors, brokers, accountants, tax preparers or lawyers, and nothing in the App is personalized financial, investment, tax, accounting or legal advice, or a recommendation to buy, sell or hold anything.

The diagnosis, suggestions, assistant answers, cash flow forecast, rate and yield figures and document reading are generated by software and artificial intelligence (Anthropic/Claude) from your own data. They are informational and educational, can contain errors, and may be out of date. Check them before acting. Financial decisions are your sole responsibility. For advice about your situation, talk to a qualified professional.

These features only send data to external servers after you explicitly authorize it (see Privacy Policy, section 4).

5. Pro subscription

The Pro plan (My Two Cents Pro) is an auto-renewing monthly subscription, sold through the Apple App Store (iPhone) and Google Play (Android):

  • Billing: the price shown on the subscription screen and in the store is charged to your Apple or Google account at the time of purchase. If a free trial is offered, its length is shown before you subscribe, and you are charged when it ends unless you cancel first.
  • Automatic renewal: the subscription renews automatically at the end of each period, for the same price, unless it is canceled at least 24 hours before the end of the current period.
  • Cancellation: manage or cancel at any time. On iPhone: Settings → [your name] → Subscriptions. On Android: Google Play → Payments & subscriptions → Subscriptions. Canceling prevents future charges, and Pro stays active until the end of the period you already paid for.
  • Refunds: requested directly from Apple or Google, under their store policies. We do not process payments or refunds directly.
  • Restore purchase: available on the plans screen, to recover Pro on a new device or after reinstalling the app.

6. Your data and content

The entries, accounts, categories, goals and documents you record are yours. We claim no rights over them beyond what is needed to run the service (storing, syncing, exporting and, with your authorization, processing with AI). You are responsible for keeping backups (the App offers backup and export in More → Data and Backup) and for not entering other people's data without their authorization.

7. Acceptable use

You agree not to: (a) reverse engineer or try to extract the source code of the App; (b) use the App for unlawful purposes; (c) try to bypass the technical limits of the Free or Pro plan; (d) try to access other people's data or accounts; (e) interfere with the operation of the App or the servers, including with automated traffic.

8. Intellectual property

The App, its code, design and brand are the property of GGSA Consultoria em TI Ltda. We grant you a personal, non-exclusive, non-transferable license to use the App on your devices under these Terms and the app store terms.

9. Disclaimer of warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE". We do our best to keep calculations, sync and document reading accurate and available, but we do not guarantee the total absence of errors or interruptions, or that the App will meet your needs.

10. Limitation of liability

To the fullest extent permitted by law, we are not liable for financial losses, loss of data, or indirect or consequential damages resulting from your use of the App or from decisions made based on the information in it.

11. Consumer rights

Nothing in these Terms limits any rights that the law of the place where you live gives you as a consumer and that cannot be waived by contract.

12. Governing law

These Terms are governed by Brazilian law. In addition to these Terms, by downloading the App from the App Store you also agree to the Apple Standard Licensed Application End User License Agreement (EULA), available at apple.com/legal/internet-services/itunes/dev/stdeula, and, on Android, to the Google Play Terms of Service.

13. Changes and termination

We may update these Terms; relevant changes will be announced in the App itself before they take effect. You may stop using the App and delete it at any time. We may suspend access in case of use that violates these Terms.

14. Contact

Questions about these Terms:

GGSA Consultoria em TI Ltda.
contact@ggsalabs.software