Terms of Use

Effective: October 28, 2026. Summary of the notice shown in the app; if they differ, the in-app text prevails.

1. Purpose. Vaca Cheia is a tool to organize splits among people who know each other. It is not a payment method, bank, loan, or public fundraising service.
2. No custody of money. The app does not receive, hold, split, retain, or intermediate funds. Payments happen outside the app, directly between participants and organizer (e.g. Pix).
3. Payment declarations. When a participant marks paid, that is informational. Only the organizer confirms. The app does not guarantee payment or replace bank receipts.
4. Misuse. You may not use the app for scams, misleading fundraising, treating strangers like an open platform, or illegal activity. Organizers and payers are responsible.
5. Organizer. The organizer must know participants, explain the purpose, and verify payments in the bank.
6. Age. Restricted to 18 years or older, with self-declaration in the app (not ID verification).
7. Data. Nicknames, amounts, Pix, settings, and local reminders stay on device in this version. See the Privacy Policy.
8. Disclaimer. Apple Inc., the store platform, and the app owner are not parties to your split, do not guarantee payments, and do not resolve disputes between users. Apple is not a party to these terms.
9. Acceptance. By continuing after the initial notice, you declare you read, understand, and agree.
10. Changes. We may update these terms; the effective date will change. Brazilian law applies where relevant.

This document is informational and does not replace legal advice.