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Terms and Conditions of Use
The conditions for accessing and using Blipen services.
1. Acceptance of Terms and Legal Capacity
By downloading, installing or using the Blipen mobile application or accessing our web environment, you enter into a binding agreement with THJ Telecom LTDA, a private legal entity registered under CNPJ No. 42.667.398/0001-64. If you disagree with any part of these Terms, you must refrain from using the platform.
To use the services, you declare that you have legal capacity under Brazilian law (18 or older, or emancipated) and, for accounts registered under a business profile (PJ), that you are authorized to represent the legal entity.
2. Description of the Blipen Ecosystem
Blipen is a technology platform for financial aggregation, management and intelligence that provides:
- Personal Profile (PF): Bank account and credit card connections via Open Finance, card statement organization, transaction categorization and personal financial goals.
- Family Hub: A collaborative space for couples and family members to manage shared expenses, with built-in protection through Blind Mode (independent controls for transactions and for family balances and calculations).
- Business Profile (PJ): Management of multiple Brazilian company registrations (CNPJs), reconciliation of receivables and operating expenses, cash flow and tax reports for individual microentrepreneurs (MEIs) and small/medium-sized businesses.
3. Open Finance Connectivity, Technology Infrastructure and Consent
Bank accounts and cards are synchronized exclusively with the holder's voluntary authorization through the regulated Open Finance infrastructure of the Central Bank of Brazil.
• Consent Validity: Consent to share data has a maximum regulatory validity of 12 (twelve) months and may be renewed or canceled at any time.
• Free Withdrawal: Users have the inalienable right to disconnect any connected financial institution directly in the app's Settings or through their own bank's application.
• Read-Only Access: Blipen obtains access solely for analytical reading of transaction data. Blipen does not make debits, transfers or financial transactions on your behalf.
Open Finance Technology and Infrastructure Partner: Pluggy
To enable secure aggregation and synchronization with financial institutions participating in Open Finance, Blipen uses technology services provided by Pluggy Brasil Instituição de Pagamento LTDA (CNPJ: 37.943.755/0001-30), a Payment Initiation Service Provider (ITP) duly authorized and regulated by the Central Bank of Brazil.
By connecting your bank accounts to Blipen, you acknowledge and agree to our aggregation partner's operating terms and privacy policies, available at:
4. Registration, Security and Safekeeping of Credentials
Users are solely responsible for the safekeeping, confidentiality and security of their four-digit PIN and the biometric lock (Face ID / fingerprint) on their mobile device.
Any activity carried out after authentication with the registered PIN will be presumed to have been performed by the account holder. If the device is lost or unauthorized access is suspected, users must immediately block account access and contact our support team.
5. Investment Advice and Financial Recommendation Disclaimer
Blipen provides information technology and data organization tools. Blipen is NOT a financial institution, investment bank, securities broker or CVM-accredited advisory firm.
Charts, statistics, automated categorizations and analytical insights are solely computational representations to assist users in making their own decisions. No app feature constitutes a promise of returns, an asset purchase recommendation or formal tax/accounting advice.
6. Intellectual Property
All rights relating to the Blipenbrand, interface designs, graphic elements, logos, software architecture, source code and the Blind Mode system are the exclusive property of THJ Telecom LTDA (CNPJ 42.667.398/0001-64).
Reproduction, reverse engineering, decompilation, copying of visual elements or unauthorized commercial exploitation of any component of our platform is expressly prohibited.
7. Cancellation and Permanent Account Deletion
You are free to end your relationship with Blipen at any time. To do so, the application provides a built-in feature under Settings > Security > Delete Account.
Confirming account closure will immediately disconnect all Open Finance banking integrations and permanently delete your registration data and history in accordance with the LGPD and statutory tax record retention periods.
8. Governing Law and Jurisdiction
These Terms are governed by and interpreted under the laws of the Federative Republic of Brazil. Any disputes arising from this Agreement that cannot be resolved amicably through our support channels shall be submitted to the Central Court of the Judicial District of São Paulo, State of São Paulo, expressly waiving any other jurisdiction, however privileged.