1. Acceptance of the terms
By accessing, subscribing to or using WiseData Finances, even partially or on a trial basis, you declare that you have read, understood and fully agree to these Terms of Use.
If you disagree with any clause, do not use the platform. These Terms are a binding legal agreement between you and WiseData Business LTDA, registered under Brazilian company number (CNPJ) 53.182.850/0001-14.
When the account is created on behalf of a company, whoever accepts declares having authority to bind it and is answerable for that declaration.
2. Definitions
- Platform or Software: WiseData Finances, in its web and mobile versions, including modules and integrations;
- User: the individual or legal entity that creates an account and uses the Platform;
- Personal account: the User's individual registration, used for personal finances;
- Company: the business workspace created inside the account, with its own data, members and subscription;
- Wisebot: the artificial intelligence assistant that answers questions about financial data, in read-only mode;
- Electronic invoice module: the optional feature that issues Brazilian service invoices (NFS-e), available to Companies only.
3. Description of the service
WiseData Finances is a financial management platform that brings personal finances and those of one or more companies into a single account: payables and receivables, cash flow, budget, goals, investments, income statement, reports and a financial calendar.
The Platform is an organisation and consultation tool. It is not a financial institution, does not move money, does not grant credit and does not provide accounting, legal, tax or investment advice. Decisions made from the figures shown are entirely yours.
Available features vary according to the subscribed plan and to the account type, personal or business.
4. Registration, account and credentials
Registration requires true, complete and up-to-date data. Registration with false information, fictitious names, disposable e-mail addresses or third-party data used without authorisation may be cancelled without notice and without refund.
The account is personal and non-transferable. You are responsible for keeping your credentials confidential and for everything that happens in your account, including acts of those you invite to a Company.
We strongly recommend enabling two-factor authentication. If you suspect unauthorised access, change your password immediately and let us know.
5. Acceptable use and restrictions
The following, among other conduct, is prohibited:
- Using the Platform for illegal or fraudulent activity, money laundering or anything that infringes third-party rights;
- Attempting to access other users' accounts, data or areas;
- Reverse engineering, decompiling, copying or deriving works from the Software, under articles 6, III and 12 of Brazilian Law 9,609/98;
- Reselling, sublicensing, renting or sharing access with anyone who is not an authorised user of the account;
- Overloading the infrastructure, automating bulk requests or circumventing plan limits;
- Entering third-party data without a lawful basis to do so;
- Using Wisebot to consult finances other than those of your own account.
6. Plans, payments and late payment
Current plans and prices are on the pricing page. Billing recurs according to the chosen cycle, monthly or yearly, and is processed by our payment provider — we do not store your card number.
Non-payment after the due date allows access to be suspended, subject to prior notice. If the default persists, the account may be cancelled and the data deleted within the periods set out in the Privacy Policy.
Overdue amounts are subject to monetary restatement, interest of 1% per month and a 2% penalty, under articles 389 and 395 of the Brazilian Civil Code.
7. Annual price adjustment
Subscription amounts are adjusted annually, on the anniversary of the subscription, by the accumulated variation of the Brazilian consumer price index (IPCA) measured by IBGE over the preceding 12 months. If the index ceases to exist or becomes unavailable, its legal successor applies. The interval is never shorter than one year, under article 2, § 1 of Law 10,192/2001.
The adjustment is announced at least 30 days in advance and, if you disagree, you may cancel before the new amount takes effect, with no penalty.
An index adjustment is not the same as a change to the price list: a new price list only reaches an existing subscriber in the following cycle and with the same 30 days' notice.
8. Right of withdrawal
For a distance subscription taken out by an individual acting as a consumer, the right of withdrawal under article 49 of the Brazilian Consumer Protection Code applies: you may withdraw within 7 days of subscribing, and the portion of the service not yet enjoyed is refunded with restatement.
Immediately performed services and irreversible consumption occurring within that period are not refundable — in particular the issuance of electronic invoices, covered in clause 10.
Outside the withdrawal scenario there is no pro-rata refund of periods already paid: cancellation stops future charges and access remains until the end of the paid period.
9. Cancellation, suspension and termination
You may cancel the subscription at any time, inside the Platform itself, keeping access until the end of the period already paid for.
We may suspend or terminate the account for breach of these Terms, suspicious activity, court order or non-payment. Except where there is risk of harm or fraud, or a legal prohibition, suspension is preceded by notice and a reasonable period to remedy.
When the relationship ends for any reason, you keep, for a reasonable period, the right to export your data before deletion, except where the account was terminated for proven fraud.
Regardless of any breach, WiseData may give notice that it will not renew the subscription, with no need to state a reason. The right is reciprocal: it is the same right to cancel that this clause gives you, on the same terms and with no penalty.
Non-renewal does not interrupt the contracted service. Access remains in full until the last day of the cycle already paid for, and for that reason no amounts are refunded — the service is delivered in full. There will always be at least 30 days between the notice and the end of access; if less time remains in the current cycle, access is extended to complete that period.
Once the cycle ends, the account remains in read-only mode for 90 days, so that entries, reports and invoices already issued can be consulted and exported in the formats made available by the Platform. The period exists so that you can meet your own duty to retain tax documents. After it, the data follows the retention periods set in the Privacy Policy.
WiseData will not decline to renew or terminate accounts on any discriminatory ground, nor in retaliation for your regular exercise of a right, including formal complaints and requests concerning personal data.
10. Electronic invoice module
The electronic invoice module is an optional service, subscribed exclusively by legal entities, under a CNPJ, in the course of their business activity. Because it serves the company's core activity — issuing invoices to bill its own clients — it is a business relationship governed by the Civil Code, not a consumer relationship, and the right of withdrawal under article 49 of the Consumer Protection Code does not apply.
By subscribing to the module you expressly request and consent to immediate performance and acknowledge that each invoice issued is final and irreversible, producing tax effects before the municipality and consuming third-party services, in particular those of our technical issuance provider.
Responsibility for the content of the invoice — amounts, service description, tax codes, rates, withholdings and recipient data — lies entirely with the issuing company. WiseData acts as a tool that transmits to the municipality what it is told.
Cancelling the module stops future charges but does not refund invoices already issued or subscription fees for periods in which the module was available.
Availability depends on municipal systems and on the technical provider. Outages, layout changes or new municipal requirements may interrupt issuance without giving rise to any right to compensation.
11. Digital certificate
To issue invoices, the company may need to provide its A1 digital certificate and the corresponding password. These files are stored encrypted at rest, in a private object with no public access, under restricted and audited access, and used exclusively to sign and transmit that company's own invoices.
You are responsible for keeping the certificate valid and replacing it before expiry. An expired certificate stops issuance, and that interruption is not a Platform failure.
The certificate can be removed at any time in the Company settings, which deletes the file from our systems.
12. Wisebot and artificial intelligence
Wisebot answers questions about your finances in natural language — over WhatsApp or inside the app. It works in read-only mode: it queries your data to answer, but never creates, edits or deletes entries.
Answers are generated by artificial intelligence and may contain inaccuracies. They are informational, do not constitute financial, accounting or tax advice and do not replace checking the original data in the Platform.
To produce an answer, strictly necessary excerpts of your data may be sent, via API, to our AI providers, which process them only to produce the answer and do not use them to train their models. Wisebot is optional: without linking it, none of your data is sent to those providers.
13. E-mail and WhatsApp notifications
The Platform sends operational alerts — due dates, charges, security notices and contractual changes — by e-mail and, if you link your number, over WhatsApp. These messages are necessary to the relationship and do not depend on consent.
Linking WhatsApp is optional and can be undone at any time in settings, which ends delivery through that channel without affecting the rest of the service.
An alert is a convenience, not a guarantee: responsibility for paying a bill remains yours, even if the notification is delayed or fails to arrive because of the carrier, the messaging app or your e-mail provider.
14. Browser extension (Chrome)
We offer a free Google Chrome extension with financial and labour calculators that run locally, offline and without requiring an account.
The extension is provided as is, with no warranty as to the accuracy of calculations, fitness for a particular purpose or uninterrupted availability. Results are purely informational and do not constitute financial, accounting, tax or investment advice.
15. Availability and SLA
We make commercially reasonable efforts to keep the Platform available, targeting 98% monthly availability, measured over the total minutes in the month.
This target is a commitment of effort, not a warranty backed by penalties: unless separately contracted, there is no SLA with credits, discounts or penalties for downtime.
Scheduled maintenance windows announced in advance, third-party failures — internet providers, municipal systems, payment gateways and messaging apps — and force majeure events are excluded from the calculation.
16. Backups and responsibility for data
We keep regular backup routines and the technical measures described in the Privacy Policy. Backups exist for disaster recovery of the Platform — they are not a personal archiving service and do not replace exporting your own data.
We recommend exporting important reports and documents periodically. Before deleting the account, exporting is essential: after confirmation there is no recovery.
17. Personal data and the LGPD
The processing of personal data is described in the Privacy Policy and in the Cookie Policy, which form part of these Terms.
As for third-party data you enter into the Platform — in particular invoice recipients in the electronic invoice module and the members you invite to a Company — you are the controller and WiseData acts as processor, limited to the instructions you give through the tool.
It is up to you to ensure a lawful basis for that processing, to inform the data subjects and to answer the requests they make. If such a request reaches us directly, we forward it to you rather than acting on our own, as article 39 of the LGPD requires of a processor.
18. Intellectual property
The Software, source code, interface, documentation, trademarks, logos and all WiseData material belong exclusively to the Licensor, protected by Brazilian Laws 9,609/98 and 9,610/98.
You receive a limited, personal, non-exclusive, non-transferable and revocable licence to use the Platform under these Terms, for the duration of the subscription. Nothing here transfers ownership.
Your financial data remains yours. The licence you grant us is strictly the one needed to host, process and display that data while providing the service.
19. Suggestions and user feedback
Suggestions, ideas, criticism and feature requests you send may be implemented freely, without giving rise to any right to remuneration, co-authorship, participation or exclusivity.
This does not reach your data or your company's confidential information: what becomes free is the product idea, not the content of your account.
20. Confidentiality and prohibition on copying
Access to the Platform exposes screen layouts, flows, business rules, report structures and non-public pricing. Together these are confidential information and trade secrets, protected by article 195, III, XI and XII, § 1 of Brazilian Law 9,279/96.
Reproducing, imitating or using this content to develop a competing product is prohibited, as is granting access to a competitor, directly or through an intermediary. The duty of confidentiality survives for 5 years after the account is closed.
21. Use of name, brand and testimonials
We may cite clients' company names, brands and logos, as well as spontaneous testimonials and reviews, to publicise the commercial relationship — in client lists, case studies, portfolios, our website, social media and marketing materials.
Would you rather not appear? Ask us to stop at any time through the public privacy request form. We will cease new uses and withdraw the material from the channels under our control, except for what is already circulating beyond our reach.
22. Limitation of liability
The Platform is provided as is. We are not liable for financial decisions made on the basis of the figures shown or of Wisebot's answers, for temporary unavailability, for lost profits or for indirect damages.
Save for wilful misconduct and gross negligence, WiseData's total liability, on any grounds, is limited to the amount you actually paid in the 12 months preceding the event.
We are not liable for third-party failures beyond our control — internet providers, municipal invoice systems, financial institutions, payment gateways and messaging apps.
23. Indemnity
You undertake to indemnify and hold WiseData harmless from losses, expenses and legal fees arising from a third-party claim relating to the data you enter into the Platform, to use in breach of these Terms, to infringement of third-party rights or to non-compliance with tax and data protection law regarding processing for which you are the controller.
We will notify you of the claim within a reasonable period and allow you to take part in the defence, entering into no settlement that imposes an obligation on you without your prior consent.
24. Assignment
You may not assign or transfer these Terms, in whole or in part, without our prior written consent.
WiseData may assign them to a company in the same economic group or in the event of a merger, spin-off, incorporation or sale of assets, keeping the agreed conditions and giving you notice.
25. Communications and WiseData group marketing
Transactional communications — registration confirmation, billing notices, security alerts and contractual changes — are necessary to the relationship, do not depend on consent and cannot be switched off while the account is active.
Marketing communications, including about other WiseData group products, depend on consent and can be cancelled at any time through the unsubscribe link in each message, with no effect whatsoever on the subscribed service.
26. Third-party services
The Platform relies on third-party services — hosting, storage, payments, e-mail and message delivery, artificial intelligence, invoice issuance, audience measurement and technical monitoring. The full list is in the Privacy Policy.
The site may contain links to external pages. We neither control nor answer for the content, policies or practices of those third parties; use of those services is governed by the respective providers' terms.
27. Changes to these terms
We may update these Terms at any time. Material changes are announced at least 30 days in advance, by e-mail or by notice in the Platform.
Continued use after they take effect implies acceptance. If you disagree, you may cancel the subscription before that date, with no penalty.
28. Governing law and jurisdiction
These Terms are governed by the laws of the Federative Republic of Brazil.
The courts of Goiânia, Goiás are elected, waiving any other however privileged — except that an individual consumer keeps the statutory option of suing in the courts of their own domicile.
29. General provisions
- Tolerating a breach of any clause does not imply a waiver of rights;
- Fortuitous events and force majeure exempt liability for as long as they last;
- The invalidity of one clause does not affect the others, which remain fully in force;
- Electronic acceptance is fully valid in law, and we record the date, time and version of the document accepted;
- These Terms, the Privacy Policy and the Cookie Policy constitute the entire agreement between the parties on the subject matter dealt with here.