Español · English · Português · हिन्दी · Bahasa Indonesia · Français · Deutsch · Türkçe · 日本語 · 한국어 · العربية · Italiano · Русский · Polski · Nederlands · Tiếng Việt · ไทย · Tagalog · 中文 · Українська · Română · Bahasa Melayu · বাংলা · اردو · Kiswahili

fiaPy · v1.1 · 2026-11-06 · [email protected]

Terms of Use · fiaPy

1. Who we are

fiaPy is an app developed and published by Irundy Apps — Capiatá, Paraguay — [email protected] (“Irundy Apps”, “we”). Contact: [email protected].

2. Acceptance

By installing, opening or using fiaPy, you confirm that you have read and accepted these Terms and the Privacy Policy. If you do not agree, do not use the app. The first time you open the app you are asked to accept them expressly; if we change them in a relevant way, we will ask you again.

3. What fiaPy is (and what it is not)

3.1. fiaPy is a notebook on your phone to record what you sell on credit to your customers, what they pay you and what you owe your suppliers. It shows the balances, applies each payment from the oldest to the newest entry and helps you write reminders.

3.2. fiaPy payment acknowledgments and account statements are internal: they are NOT an invoice, a tax receipt or a receipt with tax value, and they always say so. Issuing the receipts required by the law of your country is your responsibility.

3.3. fiaPy is not a bank, a financial institution or a collection agency: it does not lend money, collect on your behalf, move money or store cards or accounts. The “how to pay” details are written by you.

3.4. fiaPy is not a government app and does not provide legal, accounting, tax or financial advice.

3.5. The finger signature is a mark for your own records. It is not an electronic or digital signature with legal value.

3.6. The stars and the credit-limit suggestions are automatic and for guidance only, and only you can see them. The decision to give credit, how much and to whom is always yours.

4. Interest, surcharges and penalties

fiaPy does not calculate interest, surcharges, late fees or penalties, and does not add them to any account. If you decide to charge interest or surcharges on credit, first check the law of your country (for example, rules on maximum rates, usury and consumer protection): they may prohibit or limit them.

5. Reminders with respect

The messages suggested by the app are friendly, and you send them yourself from your own WhatsApp with one tap: fiaPy never sends anything on its own. You agree not to use fiaPy or its templates (which you can edit) to threaten, insult, shame or expose anyone, to write with annoying insistence, or to contact anyone other than the customer. The consumer protection laws of many countries require respectful treatment when collecting debts.

6. Your customers’ data

You are responsible for the data you enter about other people (name, phone, ID, photo, signature and what they owe). Use it only to keep the account and collect; enter only what is necessary; ask for permission when the law of your country requires it; and correct or delete the data of anyone who asks you to. Irundy Apps does not receive that data.

7. Your data and your backups

Everything you enter stays on your phone. If you lose it, it breaks or you uninstall the app without having saved a backup (Settings → Backup), the data is lost and we cannot recover it. You choose where to keep the backup, for example in your Google Drive.

8. No warranties

The app is provided “as is” and “as available”. To the fullest extent permitted by applicable law, Irundy Apps does not guarantee that it will work without interruptions or errors, or that the balances are correct if the data entered is not.

9. Limitation of liability

9.1. To the fullest extent permitted by applicable law, Irundy Apps will not be liable for direct or indirect damages, loss of profits, debts that are not collected, lost or wrongly entered data, or decisions that you or anyone else make based on the app.

9.2. If a competent authority finds that there is liability despite the above, it will be limited to the amount you paid Irundy Apps for the app in the twelve (12) months before the event (in the free version, zero).

9.3. Nothing here limits the rights that the law grants you as a consumer and that cannot be waived.

10. Permitted use

You may not: present the acknowledgments as invoices or tax receipts; cover or alter the notice that they are not an invoice; record false debts; copy, decompile or redistribute the app except as permitted by law; use it to deceive or harm other people.

11. Age

fiaPy is intended for adults who run a business. It is not intended for minors.

12. Pro version, purchases and ads

12.1. The free version may show third-party ads (Google AdMob). Ads are not recommendations from Irundy Apps and are never shown over an open sheet (recording, collecting, a customer’s card) or over a notice.

12.2. The Pro version is bought in the app store (for example, Google Play). Billing, cancellation and refunds are governed by that store’s terms.

13. Intellectual property

The app, its design, its texts, the “fiaPy” and “Irundy Apps” brands and their logos belong to Irundy Apps or its licensors.

14. Changes

We may update these Terms. The current version is always in the app and at https://irundyapps.com/legal/fiapy/. If the change is relevant, we will ask you to accept it again.

15. Governing law and jurisdiction

These Terms are governed by the laws of the Republic of Paraguay. Any dispute will be submitted to the competent courts of Capiatá, Paraguay, without prejudice to the non-waivable rights that the law of your country grants you as a consumer, including the right to complain to the authorities of your country.

16. Contact

If you find an error in the app or in a text, write to us at [email protected]. We review every report and correct whatever is needed.

Privacy Policy · fiaPy

1. Controller

Responsible for the app: Irundy Apps — Capiatá, Paraguay — [email protected]. Privacy contact: [email protected].

2. In one line

What you enter in fiaPy (your business, your customers, credit, payments, your suppliers) stays only on your phone. We do not receive it or store it on any server.

3. What the app stores on your phone

• Your business: name, person in charge, phone, address, ID, how you get paid and, with Pro, your logo.

• Your customers and suppliers: name, WhatsApp, ID, note, photo, credit limit, the agreed payment schedule, payment promises and the reminders sent.

• The entries: credit given (with “what they took” and, if they signed, the finger signature), payments, returns and amounts written off.

• Your acceptance of these texts (date and version) and your preferences (language, currency, notifications, message templates).

This data does not leave your phone unless you share it (a WhatsApp reminder, an acknowledgment or a backup). You can delete it one by one, all at once in Settings → “Delete everything”, or by uninstalling the app.

4. Your customers’ data

You enter and use your customers’ data for your business: with respect to them, you are the one responsible. Irundy Apps does not see or receive it. When you send a reminder or an acknowledgment, the app opens WhatsApp (or another app you choose) with the message already written; what is sent is subject to that app’s rules.

5. Technical data collected by third-party services

For the app to work, improve and be funded we use services that collect technical and usage data, never names, phone numbers, IDs, amounts or what you record:

• Firebase Analytics (Google): which screens are used and what fails. Data: a random installation identifier, device model, system version, language, approximate country and usage events. It can be turned off in About → “Anonymous statistics”. Google keeps these statistics for up to 2 months.

• Firebase Crashlytics (Google): to detect and fix unexpected crashes. Technical data about the error and the device. Kept for up to 90 days.

• Google AdMob (Google): the ads in the free version. Data: the advertising ID, device data and interaction with ads.

• Google Play (purchases): processes the Pro version. We only receive the purchase confirmation.

• Our own anonymous measurement (the app factory’s server, on Cloudflare): counts how many times the app is opened and its recommendations are tapped. It stores only the day, the app and the type of event, without any phone identifier.

These providers process data under their own policies: https://policies.google.com/privacy and https://support.google.com/admob/answer/6128543.

6. Notifications and voice typing

Notifications (“today … is due”) are scheduled on the phone itself, without going through any server, and may show a customer’s name on the lock screen. They can be turned off in Settings → Notifications.

If you use voice typing for “what they took”, the voice is recognized by your phone’s speech service (for example, Google) under its own rules. fiaPy only receives the text.

7. Purposes and legal basis

Operation and security of the app (provision of the service and legitimate interest). Statistics and improvement (consent where the law requires it; legitimate interest where it does not).

Ads: where the law requires your consent (for example, in the European Union), Google asks for it with its form before using your data for personalized ads. In other countries, including Paraguay, Google may personalize ads using the phone’s advertising ID; you can reset it or ask that it not be used for personalized ads in your phone’s settings. The app never passes your customers, amounts or entries to Google.

We do not sell data. We do not make automated decisions that produce legal effects for you.

8. International transfers

Google and Cloudflare services may process technical data outside your country (for example, in the United States), with recognized safeguards such as standard contractual clauses.

9. Retention

What you enter is kept on your phone until you delete it. Technical data, for the time indicated in point 5.

10. Your rights

Under the law of your country, you may request access, rectification, deletion and objection, and withdraw your consent where applicable. Since we do not receive what you enter in the app, for that data it is enough to correct or delete it in the app. For technical data you can reset your advertising ID, turn off statistics in the app or write to us at [email protected]. You may also complain to the data protection authority of your country.

For example: in Paraguay, Law No. 7593/2025 on Personal Data Protection; in the European Union, Regulation (EU) 2016/679 (GDPR); in Brazil, Law No. 13,709/2018 (LGPD). For other countries, check your country’s data protection law.

11. Minors

The app is not intended for minors and we do not knowingly collect their data.

12. Security

What you enter is protected by the security of your own phone: use a screen lock, because anyone who opens the app on your phone can see your customers and their accounts. Keep backups in a place that only you can open.

13. Changes and contact

We may update this Policy. The current version is in the app and at https://irundyapps.com/legal/fiapy/. If the change is relevant, we will let you know in the app and ask you to accept it again. Contact: Irundy Apps — Capiatá, Paraguay — [email protected].