Terms of use

1. Acceptance

These terms govern your use of the Poquet app and poquetapp.com, operated by Bite Panama, S.A. (“Poquet”, “we”). By creating an account or using Poquet you accept these terms and our privacy policy. If you don’t agree, don’t use the service.

2. What Poquet is

Poquet is a personal tool to organize your credit card information from the statements you upload or forward: balances, due dates, transactions, categories and reminders.

• It isn’t a bank or financial institution, and it isn’t affiliated with your bank.
• It doesn’t move money: it makes no payments, transfers or charges to your cards.
• It doesn’t give financial, legal or tax advice. What you see in the app is for information only.
• The Poquet Advisor is educational: its answers are generated by artificial intelligence from your data, can be wrong and don’t replace a financial advisor. It doesn’t recommend investments or financial products. Check any figure before you decide.

3. Your account

• You must be at least 18 and legally able to accept these terms.
• You’re responsible for the information you provide and for keeping your account and phone secure. Let us know if you suspect unauthorized use.
• An account is personal: use it only for your own cards or those of someone who has authorized you.

4. Your statements and data

Your statements and data remain yours. You give us permission to store and process them, including with artificial intelligence, only to provide the service, as described in the privacy policy. You represent that you have the right to share with Poquet the documents you upload or forward.

5. Accuracy of information

Poquet reads your statements automatically and can make mistakes: a new layout, an unreadable PDF or a reading error can produce incorrect or incomplete data. Review the information before making decisions; your bank’s data is always the official one.

Due-date reminders are an aid and depend on your phone receiving notifications and on the information read being correct. You remain responsible for paying your cards on time; Poquet isn’t liable for interest, late fees or other charges from your bank.

6. Acceptable use

You may not:

• Use Poquet for anything illegal or to upload other people’s documents without their authorization.
• Try to access other people’s accounts or data, or parts of the system not meant for you.
• Copy, decompile or reverse engineer the app, except as the law allows.
• Overload, interfere with or use the service in an automated way, including the statement forwarding address.

7. Availability and test versions

Poquet is distributed through the App Store and Google Play, and their testing programs (TestFlight and Google Play open testing). We may add, change or remove features, and the service may be interrupted for maintenance or reasons beyond our control.

8. Pricing

Poquet is free today. If we ever charge for a feature, we’ll tell you in advance and you won’t be charged anything without your express acceptance.

9. Intellectual property

The app, the Poquet brand, the design and the software belong to us or are used under license. We grant you a personal, non-exclusive, non-transferable license to use the app while you have an account. If you send us suggestions, we may use them freely.

10. Termination

You can stop using Poquet and delete your account at any time from More → Data → Delete my account, or by emailing support@poquetapp.com. We may suspend or close accounts that breach these terms or put other users or the service at risk.

11. Disclaimer of warranties

Poquet is provided “as is” and “as available”. To the extent permitted by law, we don’t guarantee that the service will be error-free or uninterrupted, or that the information read from your statements will be accurate or complete.

12. Limitation of liability

To the extent permitted by law, Poquet isn’t liable for indirect damages, lost profits, interest, late fees or bank charges arising from use of the app or from incorrect information. Our total liability to you for any claim is limited to the amount you paid us in the previous 12 months, or 100 US dollars if you haven’t paid anything.

13. Apple

If you download Poquet on an Apple device, these terms are between you and Poquet, not Apple. Apple isn’t responsible for the app or its support and has no maintenance obligation. You must also comply with Apple’s terms of use and those of TestFlight or the App Store.

14. Governing law

These terms are governed by the laws of the Republic of Panama. Any dispute will be submitted to the competent courts of Panama City, without prejudice to the rights consumer protection law gives you.

15. Changes

We may update these terms. If the changes are significant, we’ll notify you in the app or by email before they apply. If you keep using Poquet afterwards, you accept them.

16. Contact

Bite Panama, S.A. · Panama City, Republic of Panama · support@poquetapp.com