Terms and Conditions

These are the rules for using Nido. By creating an account, you accept them. They’re written to be understood in a single read; if anything isn’t clear, write to us at [email protected].

Nido is used from several countries, so these terms have a section per jurisdiction at the end. Nothing below takes away a right that your country’s law doesn’t let you waive.

What Nido is

An app for managing a household’s finances: income, expenses, debts, cards, subscriptions, budgets, and savings, shared among the people in the household. It’s available as a website and as an Android app.

Nido is a record-keeping tool, not a financial institution. It doesn’t move money, doesn’t connect to your bank accounts to carry out transactions, and doesn’t make payments. It only stores and organizes what you enter.

The service is provided by Santiago Rodríguez, a natural person domiciled in the Oriental Republic of Uruguay. There’s no company behind it; when there is one, this line will say so.

How you accept them, and how they change

You accept them by checking the box on the sign-up form. That box isn’t checked in advance, and you can’t create an account without checking it, which is how the agreement is a real one and not something hidden in a footer.

If they change, we update the date above and let you know inside the app when the change is significant. Continuing to use Nido after that means you accept the new version; if you don’t accept it, you can delete your account, and previous versions remain in the project’s public history so you can see what changed.

Your account

• Age. You must be 13 or older. If you’re a minor under your country’s law, you need authorization from your mother, your father, or whoever represents you, and that person accepts these terms together with you. In Brazil, that applies until age 18.
• The data you enter must be yours or your household’s, and you must be authorized to enter it.
• You’re responsible for your password. If you suspect someone else has gotten into your account, change it and let us know. Turning on two-factor authentication helps a lot.
• A household is shared. What you enter is visible to the other members, and the household’s administrator can invite and remove people.

What we expect from you

That you use Nido for what it’s meant for. Specifically, that you don’t use it for:

• Illegal activities, or to record transactions that are illegal.
• Accessing data from a household you’re not part of.
• Attacking the service: deliberately overloading it, looking for vulnerabilities without telling us, evading rate limits, or automating usage in a way that degrades the experience for everyone else.
• Uploading third-party content without permission, or material that infringes other people’s rights.
• Harassing another person in the household through the app.

If you find a security flaw, write to us at [email protected] before making it public. We’ll be grateful.

What you enter is still yours

Your transactions, your notes, and the photos you upload are yours. To show them to you, we need a technical permission, and it’s exactly that and nothing more: storing them, processing them, and showing them to you and to the members of your household, in order to operate the service. We don’t use them to promote Nido, we don’t publish them, we don’t sell them, and we don’t train models on them. The permission ends when you delete the content or the account.

Nido isn’t a social network: there’s no way to publish anything outside the household. That’s why there’s no content moderation. If someone still uses the app to violate your rights—a photo of you uploaded by someone else, for example—write to us and we’ll take it down.

What’s ours

The Nido name, the logo, the app’s design, and its code belong to the service provider. You can use the app; that doesn’t transfer any of those rights to you. If you send us a suggestion, we can implement it without owing you anything for it, which is the only way the suggestion box can be read without a lawyer.

Auria doesn’t give you financial advice

Auria is an assistant that summarizes your numbers and suggests ideas based on them. It uses language models, and those models make mistakes: they can misread a receipt, do the math with incomplete data, or state something confidently and be wrong.

What Auria says is for guidance only. It isn’t financial, accounting, tax, or legal advice, and it doesn’t replace a professional. Before making a decision that matters, check the numbers.

The same goes for receipt scanning: review what the app filled in before saving.

Your data

What you enter is still yours. We don’t sell it, we don’t hand it over, and we don’t use it for advertising. You can ask for a copy or for it to be deleted whenever you want. The details—what’s stored, who it’s shared with, how long it’s kept, and what rights you have in your country—are in the privacy policy, which is part of these terms.

Price

Nido is currently free and doesn’t charge anything. There’s no payment method built in. If paid plans are added in the future, their conditions—price, billing cycle, cancellation, refunds, and taxes—will be published before anyone pays, no one will be moved to a paid plan without agreeing to it, and the free plan will continue to exist.

App stores and third-party services

If you installed the app from Google Play, Google’s terms also apply to you, and any claim about the app is with us, not with the store. Nido also relies on infrastructure and artificial intelligence providers—they’re listed in the privacy policy—and their outages affect us and we don’t control them.

What we can’t guarantee

Nido is provided as is and as available. We take care to keep it running and to keep your data secure, but we can’t guarantee that the service will be available without interruptions, that it will be error-free, that Auria’s results will be accurate, or that your data won’t be lost because of a failure by a third party we depend on. There’s no service level agreement.

Keep your important receipts on your own. Nido isn’t a legal archive: receipt photos and statements are deleted after 30 days.

How far our liability goes

To the extent the law allows, we aren’t liable for indirect damages, lost profits, or financial decisions you make based on what you see in the app, and total liability for any claim is limited to USD 100 or what you’ve paid in the previous twelve months, whichever is greater.

That limit has exceptions, and they’re not just for show. It doesn’t apply to willful misconduct, gross negligence, fraud, harm to life or physical integrity, or to any case in which your country’s consumer law doesn’t allow a limitation. In Brazil, that includes what art. 51, I of the Código de Defesa do Consumidor declares void, and in Uruguay, what Ley 17.250 doesn’t let you waive. Where the law doesn’t allow the cap, the cap doesn’t exist.

Deleting your account, and when we can suspend you

You can delete your account whenever you want, without explaining why, from Settings → Security → Delete account or by writing to [email protected]. The deletion is carried out immediately and removes your account and your personal data. The transactions you entered into a shared household stay, with no author, because they’re also the finances of the other people in it; if you were the only one with access, the entire household is deleted after 90 days. This is explained in detail in the privacy policy.

We can also suspend or close an account that breaches these terms, notifying you by email unless the breach is serious or ongoing. If that happens, you can request your data before it’s deleted.

The following survive account deletion: what’s stated about intellectual property, limitation of liability, governing law, and jurisdiction.

Governing law and where to file a claim

As a general rule, these terms are governed by the law of the Oriental Republic of Uruguay, which is where the service provider is located, and disputes are resolved before the courts of Montevideo.

That rule gives way if you’re a consumer. Nothing written here deprives you of the protections that the law of your country of habitual residence doesn’t let you waive, or of the right to sue before the courts where you live when that law allows it. What follows covers it case by case.

There’s no mandatory arbitration and no class action waiver. You can go to small claims court or whichever court is appropriate, without going through any private procedure. Writing to us first at [email protected] usually resolves things faster, but it isn’t a requirement for filing a claim.

Uruguay

Ley N.º 17.250 on consumer relations and Ley N.º 18.331 on personal data protection apply. The rights those laws give you can’t be waived by contract, and these terms don’t try to. You can file a complaint with the Área de Defensa del Consumidor of the Ministerio de Economía y Finanzas, and for data matters with the URCDP.

Brazil

The Código de Defesa do Consumidor (Lei n.º 8.078/1990), the LGPD (Lei n.º 13.709/2018), and the Marco Civil da Internet (Lei n.º 12.965/2014) apply; art. 11 of the latter subjects any data collection that takes place in Brazil to Brazilian law. Specifically:

• You can sue where you live (art. 101, I of the CDC). No clause in this document seeks to force you to litigate in Uruguay.
• There’s no arbitration clause, because art. 51, VII would render it void.
• The liability limit doesn’t apply to the extent that art. 51, I prohibits it.
• You can file a complaint with your state’s Procon, with the ANPD, or with the courts.

United States

If you live in the United States, you keep the rights your state’s law gives you, including consumer rights, and you can bring a claim in your local small claims court. In California, what’s stated in the CCPA/CPRA annex of the privacy policy also applies, and nothing in these terms limits a right that that law declares non-waivable—including the right not to be treated worse for having exercised it, under § 1798.125.

Nido is a free service provided from Uruguay: there’s no commercial presence in the United States and no taxes are collected there.

European Union and United Kingdom

Nido doesn’t target its service at those markets—it’s in Rioplatense Spanish and it’s free—but if you use it from there as a consumer, you keep the mandatory protections of the law of your habitual residence and can sue before the courts where you live. The European annex of the privacy policy explains how your data is handled and where to file a complaint.

Any other country

Uruguayan law and the jurisdiction of Montevideo apply, always with the same caveat: if your consumer law gives you a protection you can’t waive, you still have it.

Miscellaneous

• If one clause falls, the rest stands. A court voiding one part of this document doesn’t invalidate the others.
• Notices. We write to the email address on your account or notify you inside the app. You write to us at [email protected].
• Assignment. You can’t assign your account. We can assign the service if the provider changes—for example, if a company is formed—with prior notice and without reducing your rights.
• Language. The Spanish version is the one that governs. If there are ever translations, they’re courtesy translations.
• No waiver. Not enforcing a rule once doesn’t mean we waive it.