Terms and Conditions
In force since November 12, 2026
This is a translation for your convenience. If the two versions differ, the Spanish version is the one that applies.
Scope of this agreement
Where's My Money is a project run under the trade name "Camba Labs". In this document, "Camba Labs", "the app" or "we" mean those who build and run the service, and "the user" means whoever uses it. These terms are the agreement between the user and Camba Labs about the use of the service.
Creating an account means accepting these terms and the Privacy Policy, which is an integral part of this agreement. A user who does not agree with any provision set out here must not use the app.
Using the app requires being over 18 years old.
Description of the service
The user uploads the PDF of a bank statement or a photo of a receipt, and the app extracts the transactions, sorts them by category and shows a summary of spending. The app also flags charges that differ from the usual patterns, such as an unusual amount or a recurring charge.
What the app is not
This is not financial, accounting or tax advice. The information shown is the organization of the user's own data. Decisions made from it are the sole responsibility of the user.
It is not a bank and there is no connection to the user's bank accounts. The app does not move money, does not make payments and has no access to the accounts. It only processes the files the user chooses to upload.
The user's account
- The data entered when registering must be true and belong to the user.
- The user is responsible for their password and for all activity carried out from their account.
- Only statements of the user's own accounts, or of accounts for which the user has express authorization, may be uploaded.
- If the app is used in breach of these terms, the account may be suspended or closed. Where possible, the user will be told first.
Information kept from statements
The Privacy Policy covers this point in more detail. The least obvious aspects are spelled out below:
The full account number is kept, as printed on the statement. It lets the app identify that two statements belong to the same account. On screen it is shown hidden.
The full response of the model is kept that processed the document, which includes the text of the statement. Without this record, a wrong reading could not be reviewed. The original file, on the other hand, is not kept and is discarded when the reading ends. The only exception comes after two failed uploads in a row: the file of the second one is held for up to 10 minutes while the app asks the user whether to send an error report and, only if the user agrees, it is kept until the report is closed, for 7 days at most.
Use of aggregated data
A copy of the transactions is kept in a separate database, designed so that it cannot identify which person each record belongs to. This copy is used to understand how the product is used and, in the future, to allow comparing one's own spending with that of other users.
That copy includes the date, the amount, the currency, whether it is income or an expense, the category assigned by the system, the bank and, when it belongs to a shop on a closed list of known businesses, the name of the shop. It does not include the user identifier, the email, the name, the account number, the bank's original description, the notes or the balance.
Accepting these terms means accepting this use.
Deleting the account
The account can be deleted from the app, in the My account section. When that happens:
- The email, the name, the password, the sessions, the subscription, the response of the model and the related notes are deleted immediately.
- The transactions are left with no data tying them to the user, and they are permanently deleted after 90 days.
Information already in the aggregated copy stays stored and cannot be deleted. Since nothing in those records shows where they came from, they cannot be found one by one. This is the necessary other side of real anonymization, and that is why it is stated in this document.
Plans and usage limits
| Free plan | Premium plan | |
|---|---|---|
| Credits per month | 4 | 30 |
| Visible history | Last 3 months | Full history |
| Photos of receipts | Not available | Available |
| Advertising | Includes advertising | No advertising |
A statement older than the window allowed by the free plan is refused when uploaded and does not use any of the four monthly credits available. The Premium plan has a high limit of monthly credits, set only to prevent abuse and not as a real limit on use.
Besides the plan's credits, the user may have gifted credits, earned through invitations, as set out in the next section.
Invitations and gifted credits
Each user has a personal invitation code that they can share with other people. Credits earned through invitations are granted as follows:
- Whoever enters another user's code receives 5 welcome credits, once per account, even if they later change the code they entered.
- Whoever invites receives 1 credit when the invited person completes the reading of their first document in the app.
- Whoever invites receives 4 credits for each month of the Premium plan the invited person pays. On the yearly plan, those credits are granted month by month, for 12 months at most. Free trial periods do not generate credits.
Entering a code requires having verified the email. It is not possible to enter the code of someone the user invited, and the first document credit is not granted when the invited person uploads a file the person who invited them had already uploaded. The invited person can change the code they entered at any time. The credits of a payment already made belong to whoever appeared as the inviter at the time of that payment.
The invited person can see the name of whoever invited them or, if they gave no name, their partly hidden email. Whoever invites only sees the number of people who entered their code.
Gifted credits are not money. They have no monetary value, cannot be exchanged for money or moved to another account, and are only good for reading documents in the app. They do not expire, they are used after the plan's credits for the month, and they are not returned when a document is deleted. When the account is deleted, gifted credits are lost.
Gifted credits can be taken back. If a payment that generated credits is refunded, the credits that payment granted are deducted, up to the balance of gifted credits available at that moment. Credits already used are not deducted. In case of abuse of the program, such as creating accounts to get credits, gifted credits can be taken back and the account may be suspended or closed.
The invitation program can change or end at any time. Credits already granted remain valid.
Subscriptions, charges and cancellation
- The subscription is bought and charged through the App Store or Google Play. The app does not receive the details of the payment card.
- The subscription renews automatically at the end of each period, unless canceled before.
- 14-day free trial. The Premium plan may offer a 14-day free trial, which is started from the App Store or Google Play when choosing the plan. If the trial is canceled before it ends, nothing is charged. If it is not canceled, when it ends it renews automatically at the price of the chosen plan.
- Cancellation is done from the store where it was bought, not from the app.
- Canceling stops the renewal, not the access. The Premium plan stays active until the date of the period already paid for.
- Refunds are handled by the store in question, under its own policies.
- If the price changes, notice will be given before it applies to the next renewal.
The current price is Bs 39 a month or Bs 399 a year. The charge is made by the store, the App Store or Google Play, in the currency tied to the user's account. If that account is not from Bolivia, the receipt may show the equivalent in another currency.
Automated processing and possible errors
Statements are processed by an artificial intelligence model. Although it performs reliably, it is not free of errors. It can read an amount wrong, miss a transaction or assign the wrong category.
The original bank statement is the source of truth, not the information shown in the app. It is recommended to check the information shown before making any decision based on it.
The category of any transaction can be corrected, and these corrections help improve the accuracy of the app. If a reading turns out wrong, it is recommended to delete the document and upload it again.
Acceptable use
The following is not allowed:
- Uploading documents from other people's accounts without proper authorization.
- Trying to access the data of other users or looking for vulnerabilities to exploit them.
- Automating the use of the app in a way that overloads the service.
- Copying, reselling or redistributing the app or any of its parts.
- Using the app for illegal purposes.
Ownership of the information and of the app
The user's statements and financial transactions belong to the user. They are processed only to provide the service, under the authorization given when uploading them and the scope described in the Privacy Policy.
The app, its source code, its name and its design belong to its developers.
Availability of the service
We try to keep the app available at all times, without this being a guarantee. There may be interruptions for maintenance, our own failures or failures of third party services the app depends on.
The features of the service may change or be discontinued. If the whole service is discontinued, notice will be given at least 30 days in advance to allow the information to be exported.
Limitation of liability
The app is offered as it is ('as is'). To the extent allowed by law, no responsibility is accepted for decisions made from the information shown, for errors in reading a document, for indirect losses, or for failures of third party services.
Nothing in this section limits responsibilities that the law does not allow to be limited.
The user accepts that using the app is at their own risk, to the extent allowed by law. The user also agrees to hold the app harmless from third party claims arising from improper or illegal use, or from uploading documents the user has no authorization for.
Changes to these terms
Before substantial changes take effect, notice will be given inside the app. Continuing to use the service after that notice means accepting the new version. A user who disagrees can delete their account.
Contact
For questions, write to info@camba-labs.com.