Terms and Conditions
Terms and Conditions
Last updated: September 8, 2026. These terms govern the use of iowii, provided by Iowii. By creating an account, you accept these conditions.
Service provider identity
iowii is a fully digital product, operated by Iowii, with no registered physical office.
- Entity: Iowii
- Registered office: fully digital product, no physical address
Nature of the service
iowii is a financial organization and tracking tool. It is not a bank or payment institution, does not move funds, and does not provide investment services.
- An organization tool, not a bank
- Does not move money or make payments on the user's behalf
- Record-keeping and calculation based on user-entered data
Account and subscription
You are responsible for the accuracy of the data you provide and for keeping your password confidential. Paid plans are billed as described on the pricing page; the free trial does not result in an automatic charge without prior notice.
- Minimum age: 18 to create an account
- Responsibility for account confidentiality
- Cancellation available at any time from account preferences
Limitation of liability
iowii is provided "as is". To the extent permitted by law, Iowii is not liable for financial decisions made based on the information shown, nor for occasional service unavailability.
- Service provided "as is", without guarantees of continuous availability
- Liability limited under applicable Portuguese law
Governing law and jurisdiction
These terms are governed by Portuguese law. Any dispute will be submitted to the competent Portuguese courts, without prejudice to alternative dispute resolution mechanisms.
- Governing law: Portugal
- Jurisdiction: competent Portuguese courts