Terms and Conditions of Use
Rules and conditions governing access to and use of our platform. Please read them carefully.
Last updated: April 2026
1. Identification of the owner
Owner: JoanPau Rahola Ferrer
NIF: 41591580J
Address: c/migdia 4, España
Email: support@capitaltrackerapp.com
2. Object of the service
Capital Tracker is a web and mobile platform (available on Google Play and App Store) that allows users to manage, visualize and analyze their personal financial information, including accounts, cards, budgets and investments. The service also includes shared group functionality for joint financial management.
The service includes analysis features, financial modeling and an artificial intelligence assistant (Capital AI), which may incorporate estimates and projections.
3. Access conditions
- Reserved for adults
- Requires prior registration
- Implies full acceptance
Responsibilities:
Veracity of entered data
Custody of credentials
4. Nature of the service (CRITICAL CLAUSE)
Capital Tracker IS NOT:
- Financial entity
- Bank
- Broker
- Financial advisor
All information provided is for informational purposes only and does not constitute an investment recommendation.
5. Accuracy of information
The user acknowledges that data can be entered manually, may contain errors or not be real, and that external integrations may not be exact.
Accuracy, integrity or timeliness of the data is not guaranteed.
6. Limitation of liability
Use of the service is under the exclusive responsibility of the user.
7. Capital AI — Artificial Intelligence
Capital AI is an optional financial assistant based on AI. When using it, an anonymized context of your financial data is sent to the OpenAI API (ChatGPT) without including identifying data. Responses are merely informative.
- Optional
- Non-binding
- No guarantee of results
- Anonymized data
- No financial advice
8. Third-party integrations
We do not control these services nor are we responsible for their operation or incidents.
8a. Group creation
The owner is responsible for managing invitations and memberships. Only one group can exist per user simultaneously.
8b. Data visibility
Shared account data of the group is visible to all active members. Personal accounts remain private at all times.
8c. Exit and deletion
Any member can leave the group at any time. When deleting the group, associated shared financial data is permanently deleted.
9. Subscriptions and payments
Commercial conditions of the service
Management
Processed entirely through the secure Stripe platform. Capital Tracker does not use Google Play or App Store in-app billing. Subscriptions are managed from the web platform.
Renewal
Automatic monthly or annual depending on the chosen plan.
Cancellation
At any time. Guaranteed access until the end of the period.
10. Permitted use
Unlawful use, hacking or interfering with the system is prohibited.
11. Intellectual property
All code and design is the exclusive property of the owner.
12. Suspension
We may suspend accounts for misuse or non-compliance.
13. Modifications
Right to change terms by communicating it to users.
14. Applicable legislation
Subject to Spanish legislation and corresponding courts.
15. Service availability
We do not guarantee continuous availability. It may be affected by maintenance, technical failures or third-party infrastructure. We use automated error monitoring tools to detect and resolve incidents as quickly as possible.
16. Security and data loss
"No system is completely secure. We do not guarantee total absence of incidents and are not responsible for data loss or cyberattacks unless gross negligence."
Security recommendations
- Use secure passwords
- Do not enter unnecessary sensitive info
- Maintain confidentiality of credentials
30 DAYS
Data deletion reservation