Last updated: September 17, 2025

Welcome to Solyo App, an application available on the Google Play Store and the Apple App Store for creating personalized cards and content, operating on a subscription model. These Terms of Use ('Terms') govern your access to and use of the Solyo App ('Application'), including all associated services, functionalities, content, and resources provided by us ('Solyo' or 'we'). By downloading, installing, accessing, or using the Application, you ('User' or 'you') agree to fully comply with these Terms, our Privacy Policy, and any other applicable guidelines or rules. If you do not agree with these Terms, you must not access or use the Application. These Terms are governed by Brazilian law, particularly the Consumer Protection Code (Law No. 8.078/1990), the General Data Protection Law (LGPD - Law No. 13.709/2018), and other relevant regulations, including, where applicable, international regulations such as the General Data Protection Regulation (GDPR) of the European Union for users residing in the EU, the Health Insurance Portability and Accountability Act (HIPAA) of the United States for protected health data (if applicable, although the Application is not intended for processing sensitive health data), and equivalents in other jurisdictions, such as the California Consumer Privacy Act (CCPA) or the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada. In case of any conflict, legal provisions will prevail, and we are committed to complying with applicable data protection obligations based on the User's location or the nature of the data processed. We recommend that you read these Terms carefully before proceeding.

Eligibility and Account Creation

To use the Application, you must be at least 18 years old or the legal age of majority in your jurisdiction, or, if a minor, obtain the express consent of a legal guardian, in compliance with regulations such as GDPR for the processing of minors' data. By creating an account, you declare that you meet these requirements and that all information provided is true, accurate, and complete. You are responsible for maintaining the confidentiality of your account, password, and access data, and for all activities conducted under your account. Notify us immediately of any unauthorized use or data breach, allowing us to take action as required by laws like LGPD, GDPR, or HIPAA, if applicable. The Application may require creating an account to access premium features. We reserve the right to refuse or suspend account registration at our discretion, without prior justification, provided it complies with the law, including prohibitions on discrimination under global data protection regulations.

Subscriptions and Payments

The Application operates on a subscription model, with limited free options and paid plans for access to advanced features, such as unlimited creation of personalized cards and content. Subscriptions are managed through third-party platforms, such as Google Play Billing or Apple In-App Purchases, subject to their respective payment, refund, and data protection policies, aligned with standards like GDPR and CCPA.

• Billing and Renewal: Subscriptions are automatically renewed at the end of each period (monthly, yearly, or other), unless canceled in advance. Subscription prices and terms are available in the Application and may be changed with at least 30 days' prior notice, as required by Brazilian and international law, such as the Consumer Protection Code and GDPR for transparency in financial data processing.
• Refunds: Refunds follow the policies of the app stores (Google Play or Apple App Store). We do not offer refunds for partial subscription periods or for content already accessed, except in cases provided by law, such as service defects, the right of withdrawal within the legal 7-day period for remote purchases in Brazil, or revocation rights under GDPR in the EU.
• Cancellation: You can cancel your subscription at any time through the app store settings. The cancellation will take effect at the end of the current paid period, and we retain necessary data for legal or auditing purposes, according to LGPD, GDPR, or other regulations.
• Taxes: All prices include applicable taxes, according to the legislation in force in each jurisdiction.

Use of the Application and Content

You are granted a limited, non-exclusive, revocable, and non-transferable license to use the Application for personal and non-commercial purposes, subject to these Terms. All intellectual property rights in the Application, including software, designs, trademarks, content, and functionalities, belong to Solyo or its licensors. You may not copy, modify, distribute, sell, rent, or commercially exploit any part of the Application without our express written permission.

User-Generated Content

By creating cards or content in the Application, you grant Solyo a worldwide, non-exclusive, royalty-free, and sublicensable license to host, reproduce, distribute, and display such content as necessary to operate the service, always respecting privacy restrictions under LGPD, GDPR, HIPAA (if health data is involved, although this is not the focus of the Application), and other laws. You are responsible for ensuring that your content does not violate third-party rights, including copyrights, trademarks, or privacy, and for obtaining necessary consents for shared personal data.

Restrictions

You may not use the Application for illegal, fraudulent, or purposes that violate these Terms. We expressly prohibit the use of automated tools, bots, or scripts to access the Application in an unauthorized manner, which may constitute a violation of data protection laws.

User Commitment

The User agrees to make appropriate use of the content and information that the Solyo App offers in the Application and, by way of example but not limitation:

• Not to engage in activities that are illegal or contrary to good faith and public order, including subscription fraud, spam, harassment, or discrimination, in compliance with global anti-discrimination laws;
• Not to disseminate propaganda or content of a racist, xenophobic nature, unauthorized games of chance, any type of illegal pornography, in support of terrorism, or against human rights;
• Not to cause damage to the physical (hardware) and logical (software) systems of Solyo App, its suppliers, or third parties, to introduce or spread computer viruses or any other hardware or software systems that are capable of causing the aforementioned damage;
• Not to violate the intellectual property rights of third parties when creating or sharing content;
• Not to attempt to bypass security measures, subscription restrictions, or Application functionalities, including violations that may expose personal data in disagreement with LGPD, GDPR, or HIPAA.

In case of violation of these commitments or any inappropriate conduct, we reserve the right to immediately suspend or terminate your account and subscription, without refund of amounts paid, and to apply additional measures, including banning by device identification (such as phone ID or other unique identifiers), if necessary to prevent recurring abuses, fraud, or serious violations, always in compliance with applicable law, including notifications and rights of defense under the Consumer Protection Code, LGPD, GDPR, and equivalents. Such measures aim to protect the integrity of the service and the rights of other users, without prejudice to applicable judicial or administrative actions, including reports to competent authorities such as Procon, data protection authorities (ANPD in Brazil, GDPR authorities in the EU), or health agencies for HIPAA issues.

Data Protection and Global Compliance

We are committed to processing personal data lawfully, transparently, and securely, in strict compliance with LGPD in Brazil and, for users in other jurisdictions, with applicable regulations such as GDPR (for EU/EEA residents), HIPAA (for protected health data in the US, although the Application does not intentionally collect such data), CCPA/CPRA in California, PIPEDA in Canada, and equivalents in other regions. If the User resides in a jurisdiction with specific requirements, such as international data transfer under GDPR, we implement standard contractual clauses or equivalent mechanisms to ensure adequacy. For more details, see our Privacy Policy. Any privacy breach will be handled with mandatory notifications to authorities and affected individuals, as required by law.

Termination and Suspension

We may terminate or suspend your account and access to the Application at any time, with or without reason, upon notification, except in cases of serious violation, where the action may be immediate, always respecting notification and appeal rights under laws like GDPR and LGPD. You can terminate your account at any time, but pending obligations (such as payments) remain. After termination, you lose access to content and subscriptions, without the right to a refund, unless provided otherwise by law, and we delete unnecessary data according to legal retention periods.

Disclaimers and Limitation of Liability

The Application is provided 'as is,' without express or implied warranties of any kind, including fitness for a particular purpose or absence of errors. We are not liable for indirect, incidental, consequential, special, or punitive damages arising from the use of the Application, including data loss, lost profits, or service interruptions, except in cases of proven willful misconduct or gross negligence, according to the Consumer Protection Code or similar limitations under GDPR and HIPAA. Our total liability will not exceed the amount paid by you in the last 12 months. We do not guarantee the continuous availability of the Application, which may be affected by maintenance, technical failures, or force majeure events. Links to third-party services are provided for convenience and do not imply endorsement; we are not responsible for their content or practices, including privacy compliance.

Changes to the Terms

We may change these Terms at any time to reflect updates to the Application, legislation, or our practices. We will notify you of material changes through the Application or email, with at least 30 days' advance notice (or more, if required by GDPR or equivalents), where applicable. Continued use of the Application after the changes constitutes acceptance of them. If you do not agree, you must cease use and cancel your account.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federative Republic of Brazil. Any dispute arising from or related to these Terms will be preferably resolved through amicable negotiation or mediation. If not possible, the parties agree to submit to the exclusive jurisdiction of the courts of the city of São Paulo, Brazil, waiving any other forum, however privileged. Nothing in these Terms limits your rights as a consumer under the Consumer Protection Code, GDPR, HIPAA, or other applicable laws, including the right to resort to bodies like Procon, data protection authorities, or the judiciary. For disputes under GDPR, EU users may resort to the supervisory authority of their country.

Contact

If you have questions about these Terms, please contact us through the in-app support or by email at contact@katlab.gg. These Terms were updated on September 17, 2025, and take effect immediately for new users and 30 days after notification for existing users.