Terms of Service

Carterdia lets you record income and expenses by sending ordinary messages through a chat app such as Telegram or WhatsApp. We read each message, work out the amount, currency, and category, and save it as a transaction you can review on the web dashboard. Using Carterdia means you accept these terms.

You must be at least 18 years old, or the age of majority where you live, and able to enter a binding agreement. Do not use Carterdia on behalf of anyone who cannot agree to these terms themselves.

Your account is tied to the phone number and chat identity you sign in with. We confirm it with a one-time code sent to your chat. You are responsible for the security of the device and chat account you use to reach Carterdia.

• Keep your one-time codes to yourself. We will never ask for them.
• Tell us promptly if you think someone else has reached your account.

When you use Carterdia, you agree not to:

• Break the law or infringe anyone's rights.
• Send content you have no right to share, or that is harmful or abusive.
• Probe, overload, or interfere with the service or the systems behind it.
• Try to reach data or accounts that are not your own.

Carterdia uses automated models to read your messages and receipt images and turn them into transactions. This process is not perfect, so you are responsible for checking that your records are correct. You can edit or delete any transaction from the dashboard, and when we are unsure about a message we will ask you to confirm or rephrase it before saving anything.

Carterdia is a record-keeping tool. It does not give financial, investment, tax, or legal advice, and its reports are for your own information only. Decisions you make about your money are your own.

You reach Carterdia through third-party chat apps such as Telegram and WhatsApp, and we rely on other providers to host the service and run the models that read your messages. Your use of those chat apps is governed by their own terms and privacy policies, which we do not control. How we handle your data is explained in our Privacy Policy.

We work to keep Carterdia running, but we provide it as is and cannot promise it will always be available, uninterrupted, or free of errors. We may change, pause, or withdraw features over time.

To the fullest extent the law allows, Carterdia is not liable for indirect or consequential loss, or for any loss arising from decisions you make based on your records or reports. Nothing in these terms limits liability that cannot be limited by law.

You can stop using Carterdia at any time and ask us to delete your data as described in the Privacy Policy. We may suspend or close an account that breaks these terms or puts the service or other people at risk.

We may update these terms as the service grows. When we make a meaningful change, we will update the effective date at the top of this page. Continuing to use Carterdia after a change means you accept the updated terms.

Questions about these terms? Write to us:

soporte@carterdia.com