CalcJuros Terms of Use

Effective date: October 27, 2026

Last updated: October 27, 2026

Please read these Terms of Use (“Terms”) carefully before using CalcJuros (“the App”), developed by Renato Ferraz (“developer”, “we”).

By downloading, installing or using CalcJuros, you agree to these Terms. If you do not agree, do not use the App.

1. What CalcJuros is

CalcJuros is a financial calculator for iPhone, iPad and Apple Watch. It brings together calculators for simple and compound interest, loan payments, mortgages (Price and SAC), boletos, credit cards, checks, overdraft, receivables discount, total loan cost (CET), investment returns, inflation adjustment, rate conversion, net salary and employee × contractor (CLT × PJ), plus tools to organize a personal book of clients, checks and loans. It follows Brazilian rules, rates and tables.

CalcJuros is a support tool for calculations and personal organization. It is not a financial institution, does not grant credit, does not broker loans, does not collect payments on your behalf and does not provide financial, accounting, legal or tax advice.

2. License

We grant you a limited, non-exclusive, non-transferable and revocable license to use CalcJuros on Apple devices you own or control, subject to these Terms and to Apple’s Media Services Terms and Conditions.

You may not:

• Copy, modify or distribute the App;
• Reverse engineer, decompile or disassemble the App;
• Rent, lend, sell or sublicense the App;
• Use the App for unlawful purposes.

3. Your data and privacy

Your calculations, clients, checks, loans and profile stay on your device and sync through your personal iCloud account. Using the App does not require an account. Full details in the Privacy Policy.

You alone are responsible for keeping backups and for the security of your Apple account and of the App lock (PIN and Face ID).

4. Client data and payment requests

If you add clients, checks or loans of other people, you are responsible for that data under Brazil’s General Data Protection Law (LGPD, Law No. 13,709/2018) and any other law that applies to you. Add only what is necessary, keep the data accurate and answer requests from the people concerned.

The summaries and payment requests the App prepares are sent by you, through WhatsApp, a message or the channel you choose. The content and manner of any collection are your responsibility and must comply with the law, including Brazil’s Consumer Protection Code, which forbids exposing a debtor to ridicule, embarrassment or threats.

Anyone who lends money or discounts receivables must follow the laws on interest and charges, such as the Brazilian Civil Code and the Usury Law (Decree No. 22,626/1933). The App calculates what you enter; it does not check whether a rate or a transaction is allowed in your case.

5. Old account and data import

People who used a previous version of CalcJuros can sign in once with their old account (email and password, Google or Apple) to copy their data to iCloud. Sign-in is used only for this import. Imported data is then handled as described in the Privacy Policy.

6. Free calculators and subscription

CalcJuros is free to download, and the calculators are free for everyone. The other features (check tracking, loans, widgets, the Apple Watch app, backups and iCloud sync) require an auto-renewing monthly or yearly subscription.

• Purchases are made and charged through the App Store, to your Apple account, under Apple’s terms.
• The subscription renews automatically for the same period and price unless canceled at least 24 hours before the end of the current period.
• A free trial, when offered, becomes a paid subscription when it ends, unless canceled at least 24 hours before the end of the trial.
• You can manage or cancel the subscription in Settings › [your name] › Subscriptions. Cancellation takes effect at the end of the paid period, and the calculators remain available.
• Refunds are handled by Apple under the App Store rules.
• The same subscription works on iPhone, iPad and Apple Watch with the same Apple account. Use “Restore purchases” to activate it on another device.

People who bought a previous paid version of CalcJuros are recognized through their App Store receipt and keep access, with no new payment, to check tracking and iCloud sync. Loans, widgets, the Apple Watch app, backups and the other version 5.0 features require the subscription for them as well.

Prices are set on the App Store and may change. A subscription price change follows Apple’s notice and consent rules.

7. Disclaimer about calculations

This is the most important part of these Terms. Please read it carefully.

CalcJuros is provided “as is” and “as available”, without warranties of any kind, express or implied.

• Results are estimates. The calculations use standard market formulas and the data you enter. A contract from a bank, lender or store may include fees, insurance, IOF, rounding and its own rules that change the result. Mortgages also depend on rules such as the property’s city, the buyer’s age and income and the reference rate (TR), which the App does not analyze.
• Indexes and tables. Inflation adjustment and compared returns use public series from the Central Bank of Brazil, which may be delayed, revised or unavailable. The INSS and income tax tables used for net salary and CLT × PJ are updated by the developer but may not reflect a recent change in the law. Holidays considered are national ones; state and city holidays may not be included.
• Not a recommendation. Nothing in the App is an offer or a recommendation to invest, borrow or hire. Do not use CalcJuros as your only source to sign contracts, pay off debts, collect from clients, make investment decisions or settle disputes. Always check with the contract, the institution involved or a qualified professional.
• Reminders and notifications. Due date reminders depend on iOS notifications and on factors beyond our control (permissions, Focus modes, battery, system updates). We do not guarantee that a reminder will be shown, or shown on time.
• Sync. Sync failures, delays or conflicts through iCloud depend on the availability of Apple’s services.

You use CalcJuros at your own risk, as a support tool.

8. Limitation of liability

To the fullest extent permitted by Brazilian law, the developer will not be liable for indirect, incidental, special or consequential damages or lost profits arising from the use of, or inability to use, the App, including data loss, financial decisions based on the calculations, payment requests sent to others or a due date reminder that failed.

The developer’s total liability, where applicable and not excluded by law, is limited to the amount you paid for CalcJuros in the 12 months before the event (or R$ 0 if you only use the free calculators).

Nothing in these Terms excludes liability that cannot be excluded by law, such as for willful misconduct or gross negligence by the developer.

9. Suggestions and comments

In the App you can send suggestions, comments and votes through Feedback and Roadmap. What you post on the Roadmap can be seen by other people who use the App, with your name and photo. By posting, you confirm that the content is yours and agree not to post content that is unlawful, offensive, discriminatory, sexual, violent, spam or that infringes the rights of others. We may hide or remove content and block authors who break these rules. To report content, write to the contact email below.

10. Intellectual property

CalcJuros, including its design, code, brand and content, belongs to Renato Ferraz and is protected by copyright laws. These Terms do not transfer any ownership rights in the App.

11. Updates and availability

We may release updates and change or discontinue features of the App at any time. There is no obligation of ongoing support, although the intention is to keep the App working and evolving.

12. Termination

You may stop using the App at any time. In Settings, deleting your profile removes the profile, clients, checks and calculations from the device and from your iCloud. Deleting the App does not cancel an active subscription: cancel it in Settings › [your name] › Subscriptions.

13. Governing law and jurisdiction

These Terms are governed by the laws of the Federative Republic of Brazil. Disputes will be resolved in the courts of the developer’s place of residence, unless the law grants the consumer a different venue.

14. Changes to these Terms

We may update these Terms when needed. Relevant changes will be announced in the App, and the “Last updated” date at the top will be revised. Continued use of the App after changes are published means you accept the new Terms.

15. Contact

Questions about these Terms:

• Email: [email protected]
• Developer: Renato Ferraz