Terms of Service

You must be at least 18 years old to use Proa.

The initial supported market is Spain. Access from other countries may be limited or unsupported until Proa completes further legal review.

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AI outputs may be incomplete, outdated, or incorrect.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.

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.