Terms of Use

Atria is offered by M V GIROLNETO SOUSA, CNPJ 42.083.992/0001-08, Bairro Lúcia Alice, Bela Vista de Goiás – GO, CEP 75240-000. By creating an account you accept these Terms and the Privacy Policy.

Atria is a personal assistant that works over Telegram and a web panel. You can:

• log expenses, income and bills by text, voice note or photo, including receipts and notas fiscais;
• see your ledger, budgets, cash flow, bills, goals and debts in the panel;
• optionally connect bank accounts through Open Finance, read-only;
• create reminders, tasks, daily plans and cost sheets;
• receive educational content and summaries about your own finances.

By default, Atria shows what it understood and only saves after your confirmation. You can turn on automatic saving for some kinds of records in Settings.

Atria organizes information and offers educational content. It is not a financial institution and does not provide investment, tax, legal or accounting advice. Atria does not move money, does not pay bills and cannot make transactions in your bank accounts. Decisions about your money are yours.

Atria does not provide securities consulting or investment advisory services, as defined in CVM Resolutions 19/2021 and 178/2023.

Answers and readings produced by AI can be wrong. Check amounts, dates and categories before confirming, and do not rely only on Atria's reminders to meet due dates.

• You must be 18 or older and provide true information.
• Keep your password safe. We recommend turning on two-factor authentication.
• You are responsible for what is done with your account and the channels connected to it. Tell us at contato@atriafinancas.com.br if you suspect misuse.
• Each person must have their own account.

You agree not to:

• use Atria for illegal activities, fraud or money laundering;
• try to access other people's data, bypass security, or manipulate the assistant through prompt injection;
• overload the service, run abusive automation or work around usage limits;
• send third-party personal data without a legitimate reason;
• copy, resell or reverse-engineer the service.

We may limit or suspend accounts that break these rules, as described in section 11.

• Connecting a bank is optional and requires your explicit consent.
• The connection is read-only: Atria reads accounts, balances and transactions. It does not start payments or transfers.
• You authorize the connection with Pluggy and your institution, under the terms they present, including the consent period. Atria never receives your bank password.
• You can revoke it at any time under Banks. Revoking deletes the connection at Pluggy and stops syncing.
• Data comes from your institutions and from Pluggy, and may arrive late, incomplete or with errors. Check the amounts before making decisions.

Atria depends on third-party services such as Telegram, Pluggy, AI providers and email providers. Their use is also subject to their own terms. If one of them changes or becomes unavailable, some features may stop working.

Atria has a free plan with usage limits. Paid plans, when offered, will have their price and conditions shown on the pricing page before you subscribe.

Atria is in an early stage (beta). Features may change, be limited or go offline for maintenance, and we do not guarantee uninterrupted availability. Keep your own copies of important information. You can download all your data at any time in Settings.

What you send to Atria is yours. You grant us only the permission needed to process it in order to provide the service, as described in the Privacy Policy. We do not use your content to train AI models.

The software, the Atria name and brand, and the site's content belong to M V GIROLNETO SOUSA.

You can stop using Atria and delete your account at any time in Settings → Delete account. Deletion is permanent and follows the Privacy Policy.

We may suspend or close accounts that violate these Terms or the law, or that put the service or other users at risk, notifying you whenever possible. If we discontinue the service, we will give reasonable notice so you can export your data.

We are not liable for financial decisions you make or for records you checked and confirmed. We are liable for the services we hire to operate Atria, under the Brazilian Consumer Protection Code.

Nothing in these Terms limits the rights guaranteed to consumers by Brazilian law, including the Consumer Protection Code.

We may update these Terms. We will tell you about relevant changes in advance by email or in the panel. If you keep using Atria after they take effect, you accept the new version. If you do not agree, you can delete your account.

These Terms are governed by the laws of Brazil. Disputes will be settled in the courts of the user's place of residence, as provided by the Consumer Protection Code.

Questions about these Terms and customer support: contato@atriafinancas.com.br, with a reply within 5 business days.

If translations differ, the Portuguese version prevails.