Terms of Service

The initial supported market is Spain. Proa is unavailable to children under 13. At age 13, account creation requires a proportionate authorization from a parent or legally responsible guardian. Ages 14–17 may use the Free read-only Workspace and Budget experience. Adult users may use the capabilities available to their plan, including separately confirmed record updates when enabled.

Access from other countries may be limited or unsupported until Proa completes a country-specific legal and support review. Proa does not target children.

A guardian authorization does not make the guardian a workspace member and does not automatically disclose financial records. Eligibility may be withdrawn or revoked, and disputed representation is handled through the privacy process.

Proa helps you organize personal budgets, investments, portfolios, and reports. Proa is not a broker, custodian, investment adviser, tax adviser, or financial planner.

Reports and app outputs are informational. You are responsible for reviewing information before making financial, investment, tax, or legal decisions.

Proa includes AI Reports and an optional AI Assistant. AI Reports generate portfolio analysis through a dedicated report pipeline. The AI Assistant helps you ask questions about the Proa data sources you enable, such as Budget, Investments, and Reports.

AI outputs may be incomplete, outdated, or incorrect. Treat them as decision-support material, not financial, investment, tax, legal, or professional advice.

Supported changes prepared by the Assistant are shown as proposals for your review. Proa does not trade, rebalance, transfer funds, move money, take custody, or apply supported changes without your confirmation.

Do not enter passwords, secrets, identity documents, seed phrases, private keys, or personal notes you do not want processed by AI providers.

AI Assistant usage limits and AI Report quotas are separate. Current plan limits are shown in Pricing and Billing.

Paid plans, checkout and billing management are unavailable to users under 18.

Payments, invoices, billing portal flows, refunds, disputes, and chargebacks are handled through Stripe.

Proa stores only billing metadata needed to operate your subscription, quota, support, fraud prevention, tax, and dispute workflows.

You are responsible for keeping account access secure and for the accuracy of data you enter.

You are responsible for reviewing source data, assumptions, AI outputs, and proposals before making decisions or confirming supported changes.

You can request account deletion by email. Some billing, fraud prevention, tax, dispute, legal, security, suppression, and backup records may be retained where required.

Questions about privacy or these terms can be sent to privacy@getproa.app.