Effective date: November 7, 2026 Last updated: November 7, 2026
Please read these Terms of Use (“Terms”) carefully before using Parcelamento (“the App”), developed by Renato Ferraz (“developer”, “we”). By downloading, installing or using Parcelamento, you agree to these Terms. If you do not agree, do not use the App.
Parcelamento is a personal organization tool for your installment purchases, both the ones you pay and the ones you receive: credit cards with closing and due dates, statements, payment booklets, bank slips, loans, creditors, people, categories, reminders and alarms, widgets, Apple Watch, Siri and Shortcuts, and export to spreadsheet and PDF.
Parcelamento is not a financial institution, a bank or a card issuer. It does not make payments and does not provide financial, accounting or investment advice. Decisions about your finances are always yours.
We grant you a limited, non-exclusive, non-transferable, revocable license to use Parcelamento on Apple devices you own or control, subject to these Terms and to Apple’s Media Services Terms and Conditions (including the standard Licensed Application End User License Agreement).
You may not copy, modify, distribute, reverse engineer, rent, sell or sublicense the App, or use it for unlawful purposes.
Your data stays on your device and, if you turn on sync, in your personal iCloud. The developer has no access to it. Full details in our Privacy Policy.
You are solely responsible for keeping copies of your data (iCloud or spreadsheet and PDF export) and for the security of your Apple Account.
Without a subscription, Parcelamento allows 2 active installment plans and 1 card or payment method. The other features (such as more installment plans and cards, iCloud sync, widgets, Apple Watch, alarms, reports and export) are part of the subscription, offered as two auto-renewable plans:
These prices apply to the Brazilian App Store; in other countries, the price is shown in the App Store before purchase.
If you bought the old app (version 1.x), the purchase is recognized on the same Apple Account and you keep the features the old app already had, without limits, with the “Original supporter” badge. The new features of version 2.0 require a subscription.
Lifetime: permanent access to the subscription, unlocked only through an offer code redeemed in Settings › Redeem Code. It is not sold inside the App.
The developer does not receive your payment details.
This is the most important part of these Terms.
Parcelamento is provided “as is” and “as available”, without warranties of any kind.
The developer is not responsible for interest, fines, late payments, charges, credit restrictions or any loss arising from a forgotten payment, an amount calculated differently from the actual one, or an alert that did not go off.
To the fullest extent permitted by law, the developer will not be liable for indirect, incidental, special or consequential damages arising from the use or inability to use the App, including data loss, calculation errors or failure of reminders and alarms. The developer’s total liability, where applicable, is limited to the amount paid for the subscription in the 12 months before the event.
Nothing in these Terms excludes liability that cannot be excluded by law, nor your statutory consumer rights.
The Community section (Feedback, Roadmap and About the developer) is optional, and signing in to vote or send suggestions is not required to use Parcelamento.
What you publish on the Roadmap may be seen by other people who use the App, with your name. Suggestions and comments must be your own and may not contain unlawful, offensive, discriminatory, spam or infringing content. We may hide or remove content and block authors who break these rules. To report content, write to the email below.
Parcelamento, including its design, code, brand and content, is owned by Renato Ferraz. These Terms do not transfer any ownership rights in the App.
These Terms are governed by the laws of Brazil, without prejudice to mandatory consumer protection laws of your country of residence.