Legal document

Terms of Use

The rules for using BipView. In plain English, no fine print.

Version 1.3 · in force since October 8, 2026 · replaces version 1.2, of September 28, 2026.

1. Who we are and what this document is

BIPVIEW SISTEMAS LTDA, CNPJ 63.306.772/0001-76, headquartered at Praça Monsenhor Emílio Lottermann, 40 — Moinhos de Vento, Porto Alegre/RS, Brazil, CEP 90560-050. Contact: contato@bipview.com.

These Terms govern the use of the BipView app and website. By creating an account, you agree to them. If you disagree with any point, do not create an account — and if you already have, you can close it at any time (section 11).

These Terms go together with the Privacy Policy, which explains what we do with your data. On iPhone, Apple's standard End User License Agreement (apple.com/legal/internet-services/itunes/dev/stdeula) also applies, and these Terms add to it.

2. What BipView is — and what it is not

BipView is a mirror: it brings together, in one place, what you hold in exchanges and wallets, and shows it in Brazilian reais and US dollars.

BipView:

• does not buy, sell, or trade anything for you;
• does not hold your coins — we are not a custodian and have no access to your funds;
• does not provide virtual asset services on anyone's behalf: it does not carry out exchange, transfer, custody, or administration of other people's assets — and BIPVIA does not change that;
• does not recommend investments. Nothing in the app is a buy or sell recommendation, or securities analysis;
• does not issue official documents for Brazil's tax authority (Receita Federal) or any other agency.

We are a visualization tool. Decisions about your money remain yours.

3. Your account

To use BipView you must be 18 or older and have an account, created with a valid email or with your Google account. You are responsible for keeping your access secret and for everything that happens in your account.

The account is personal. Do not share it: anyone who gets in sees all your holdings.

If you notice misuse, write to contato@bipview.com and change your password.

4. What you connect to BipView

You choose what to connect, and there are two ways — both read-only:

• Exchange API key, read-only. Create the key without withdrawal and without trading permissions. We check and warn you on screen if the key can withdraw. The key is stored encrypted.
• Public wallet address (or the extended public key, xpub). It is what you share to receive funds — it is already visible on the blockchain to anyone.

You can also upload a statement from an exchange to complete your history.

Never ask, never paste: BipView never asks for your seed phrase or private key, on any screen or through any channel. If anyone asks for it on our behalf, it is a scam.

By connecting a source, you declare that it is yours or that you are authorized to access it.

5. The numbers you see are estimates

The amounts shown come from public sources and from the exchanges themselves, and are converted using market prices. They are for tracking, not for checking to the last cent.

The price of an old transaction is our estimate, calculated for the minute the transaction happened. When we have no price for an asset or a date, the screen says so — we do not make up a number instead.

The official statement is your exchange's, and the truth of a transaction is what is on the blockchain. A discrepancy? The source rules, not us.

6. Taxes: a mirror, not a tax return

BipView calculates a tax estimate to help you understand your situation. It does not replace your accountant, is not tax advice, and is not your tax return.

The official tax return can be filed with Declare Cripto, our partner — and BipView receives a referral commission. We say so here because you have the right to know.

You are responsible for what is declared to the Receita Federal.

7. Plans, prices, and billing

7.1 The plans

BipView has a free plan (FREE) and a paid plan (PRO). What each one includes is described in the app, on the plans screen, before any charge.

7.2 14-day PRO trial

Every new account starts with 14 days of PRO, granted by the app itself — free of charge and with no card. Nothing is charged at the end: if you do not subscribe, the account goes back to the FREE plan on its own, with its limits.

7.3 Ways to pay for PRO (prices in Brazil)

• Monthly: R$ 39.90 per month, renewed automatically every month.
• Annual, paid upfront: R$ 354.90 per year, charged at once and renewed automatically every year.
• Annual, in installments (Android only): 12 monthly installments of R$ 32.90 — R$ 394.80 in total.

By choosing installments, you commit to all 12 payments: cancelling only stops new charges after the 12th installment.

After the 12th installment, the subscription continues month to month, with no new commitment, at the same R$ 32.90 per month, until you cancel.

Outside Brazil, the price is the one shown by the store in your country's currency. The amount charged is always what the store displays at the time of purchase.

7.4 Discounts

25% forever. If you subscribe to PRO during the 14-day trial, you get at least 25% off the current full price, in any payment option — in Brazil: R$ 29.90 per month, R$ 264.90 per year upfront, or 12 × R$ 23.90 (and, with installments, R$ 23.90 per month after the 12th installment). The discount stays tied to your account forever: if you cancel and come back, at any time, it comes back with you.

Outside Brazil, the discount is the equivalent converted by the store.

Launch offer: 50% off the first charge. Anyone who subscribes from launch through October 31, 2026 (Brasília time) pays half on the first charge of the Monthly plan (R$ 19.90) or the upfront Annual plan (R$ 176.90). From the second charge on, the regular price applies — or the 25%-off price, if you are entitled to it. The offer is valid once per account, does not apply to installments, and does not stack with the 25% on the same charge.

7.5 Renewal and cancellation

The subscription renews automatically at the end of each period, at the current price, until you cancel. Billing is done by your device's store (Google Play or App Store), using the payment method on file there.

To cancel, use the store: in the app, under Plans → "Manage or cancel subscription", or directly in the store settings. Cancel at least 24 hours before the end of the period to avoid being charged for the next one. The period already paid remains available until it ends. Deleting your account does not cancel the subscription in the store.

7.6 Withdrawal and refunds

You can withdraw from the subscription within 7 days of purchase (Art. 49 of Brazil's Consumer Protection Code) and get back what you paid.

• On Android: request the refund through Google Play, or write to contato@bipview.com — we issue the refund through Google Play itself.
• On iPhone: request the refund from Apple at reportaproblem.apple.com, where Apple processes the request.

In any case, if you have any difficulty, write to contato@bipview.com. After the 7-day period, the store's refund rules apply.

7.7 Price changes

If the price changes, we will let you know before the change applies to you, and you can cancel at no cost before the new price takes effect.

8. Availability and third-party sources

We work to keep the service running, but we do not promise uninterrupted operation: there is maintenance, network failure, and above all dependence on third parties — exchanges, blockchain explorers, and price sources.

When a source is down, the screen shows it instead of faking a number. A reading that did not come through is not a zero balance.

9. Acceptable use

By using BipView, you agree not to:

• connect third parties' keys or addresses without authorization;
• try to access another customer's data;
• automate access in a way that harms the service or the sources we query;
• use BIPVIA in an automated way or try to make it ignore its own rules (section 15);
• use BipView for any unlawful activity.

We may suspend an account that does this, and we explain the reason when we do.

10. Intellectual property

The brand, the app, the website, and what we produce are ours. Your data remains yours — we only process it to show it to you, as the Privacy Policy explains.

11. Closing your account

You can delete your account at any time, from the app itself or on the Delete your account page. Deleting it erases your data with us, as described in the Privacy Policy (section 7); it does not affect your coins, which were never with us — and it does not cancel the subscription in the store (section 7.5).

We may close an account if these Terms are breached, or if we stop operating — and, in that case, we give advance notice so you can export whatever you want.

12. Liability

BipView is a visualization tool. Decisions to buy, sell, file taxes, or make any transaction are yours, and so are their results.

We are not liable for losses resulting from: changes in the price of your assets; unavailability or errors of an exchange, blockchain, or price source; or decisions made based on an estimate or a BIPVIA answer shown here.

Nothing in this section excludes liabilities that Brazilian law, in particular the Consumer Protection Code, does not allow to be excluded.

13. Changes to these Terms

If we change anything significant, we will let you know through the app or by email before the change takes effect. If you do not agree, you can cancel the subscription and delete your account at no cost. In BIPVIA, only a change of purpose, of country, or of who receives the data, beyond what the Privacy Policy already provides, requires your acceptance again. The date of the current version is always at the top of this page.

14. Governing law and venue

These Terms are governed by Brazilian law. The courts of the consumer's place of residence are chosen to settle anything that cannot be resolved otherwise — and we always prefer to resolve things by email first.

15. BIPVIA, the artificial intelligence assistant

BIPVIA is BipView's artificial intelligence assistant. It answers questions about your holdings, your wallets and exchanges, and how to use the app, by reading your own account data. It is optional: to use it, you confirm that you are 18 or over and accept its terms, which say what is sent, where it goes, and for how long (see also the Privacy Policy). You can turn it off at any time in Settings, and the rest of the app stays the same: declining or turning off BIPVIA does not change your plan or entitle you to a refund.

BIPVIA explains; it does not recommend. It describes your numbers and what the app shows, and may bring general information and the app's alerts (such as the concentration alert); it does not say whether you should buy, sell, or hold an asset, does not provide securities analysis, and moves nothing — it only reads. Requests for recommendations are declined.

BIPVIA can make mistakes. If an answer differs from what the app screen shows, the source screen prevails — and, above it, the source itself (section 5). Check before you decide. Nothing here excludes your consumer rights (section 12).

Usage limits: free-form questions have daily and monthly limits (the monthly ones depend on the plan), and the app shows the month's free-form question quota and how much of it you have used. Near the end of the monthly limit, answers may become shorter; once it runs out, until the 1st of the following month, ready questions and every screen in the app keep working. Ready questions do not count. A free-form question counts when the model works on it, even if the answer takes too long, comes back cut off, or is blocked by our check; it does not count when it never reaches the model, when the model service is down, or when our system fails.

BIPVIA is an evolving feature. These Terms describe what exists today; it may change, be unavailable for a while, or be discontinued, with notice in the app — and the rest of the app keeps working without it.

By using BIPVIA, you agree not to try to make it ignore its own rules, not to write a password, code, or recovery phrase, not to use bots or automation to ask questions, not to use it to obtain anyone else's data, and not to use it in a way that violates the law or the usage policies of the providers that run it. If that happens, we may, at our discretion, warn you, limit, or suspend BIPVIA on your account, and we explain the reason (section 9).

BIPVIA's answers are for your personal use: they are not an official document or a guarantee. Do not resell them and do not use BIPVIA for commercial purposes. By using it, you declare that you have the right to use with it the data from the accounts and wallets you connected (section 4).

BIPVIA may point you to BipView partners, such as Declare Cripto, always identified as a partnership (section 6).

Turning off BIPVIA, in Settings, withdraws your acceptance, and no new question is sent after that. The acceptance record and support tickets are kept for the period in the Privacy Policy, and you can ask for them to be deleted through the privacy email.

16. Contact

Questions about these Terms, subscriptions, or cancellation: contato@bipview.com. Privacy and data matters: privacidade@bipview.com. We respond within 5 days. Requests made through "Talk to a person" in BIPVIA are answered within 3 business days; requests about your personal data, within the legal deadline.