Terms of Service

These Terms of Service ("Terms") are an agreement between you and DID YOU CATCH IT INC, doing business as Guala ("Guala", "we", "us"). They cover our website, texting with Koala, and the Guala web app (together, the "Service"). By texting Koala, connecting an account, subscribing or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you don't agree, please don't use the Service.

• Who can use Guala
• What Guala is
• Accuracy
• Your account
• Connected accounts
• Texts
• Subscription and payment
• Acceptable use
• Ending the Service
• Disclaimers and liability
• Disputes
• Contact

1. Who can use Guala

You must be at least 18, live in the United States, and be able to enter a binding contract. You may use Guala for yourself or for a business you own or are authorized to act for. We may limit or pause new sign-ups at any time.

2. What Guala is, and isn't

Guala helps you see your income, fees, payouts, deposits and spending in one place. It builds a ledger from the accounts you connect, produces monthly statements, tracks your budget and goals, and answers your questions by text through Koala.

• Information, not advice. Guala is not a bank, lender, broker, investment adviser, tax preparer or accountant. Nothing in the Service is financial, investment, tax, accounting or legal advice. Tax set-aside figures are estimates; confirm the real number with a tax professional.
• Plans are estimates. Your goal plan, its tips and examples, and your starting score are estimates and illustrations based on what you told us and your connected data. They aren't financial, tax or investment advice, and they don't promise any result.
• Statements aren't audited. Statements are generated from your connected-account data. They aren't audited and don't replace official records from your bank, platforms or the IRS.
• Read-only. Guala can read the accounts you connect. It can't move, transfer, pay or withdraw money.

3. Accuracy

Your data reaches us from your banks and platforms through our bank partner (Stripe), Shopify and Stripe. It can arrive late, be incomplete or contain errors we don't control. Fees for platforms that don't share them are estimated at their published rates and labeled as estimates. Koala's replies are written by AI from your ledger and can misread a question or get something wrong. Check anything important against your statement, the web app and the original source before you rely on it. You're responsible for the decisions you make with the Service.

4. Your account and phone number

Your phone number is your account. We sign you in by texting a link to it, so anyone with your phone may be able to get in. Keep your phone secure, and tell us right away at support@gualaapp.com if you lose it or change your number. You're responsible for what happens through your account. Give us accurate information and keep it up to date.

5. Connected accounts

When you connect a bank through Stripe, or a Shopify or Stripe account, you authorize Guala and those providers to access that account's data on your behalf, read-only, to provide the Service. You must have the right to connect every account you connect. Our bank partner, Shopify and Stripe are separate companies with their own terms, and we're not responsible for their services. You can disconnect an account at any time; see Data & Consent.

6. Texts

By texting Koala you agree to receive texts from Koala as described in Data & Consent. Message frequency varies, and message and data rates may apply. Text STOP at any time to opt out. Carriers aren't liable for delayed or undelivered messages.

7. Subscription and payment

• Price. You pay the price shown when you subscribe. Founding creators pay $20 a month, and that price doesn't go up for as long as your subscription stays active.
• Billing. We bill you monthly in advance through Stripe, and your subscription renews automatically each month until you cancel. You authorize us to charge your payment method for each month. Prices don't include taxes, which may be added where required.
• Cancelling. Cancel any time by emailing support@gualaapp.com. Cancelling stops the next charge, and you keep access until the end of the month you've paid for. Texting STOP on its own stops the texts but doesn't cancel your subscription.
• Refunds. We don't refund partial months, except where the law requires it.
• Failed payments. If a payment fails, we'll let you know and may pause the Service until it's resolved.
• Price changes. We'll tell you at least 30 days before a price change by text or email. A change applies from your next billing month, and you can cancel before then.

8. Acceptable use

Don't:

• break the law, or use the Service to help anyone else break it;
• use someone else's phone number or account, or connect an account you're not authorized to;
• probe, scan, scrape, overload or interfere with the Service, or try to get around its security;
• send Koala automated or bulk messages;
• copy, reverse engineer, resell or build a competing product from the Service.

9. Your data and our Service

Your data is yours. You give us permission to store, process and display it to provide and improve the Service, as described in our Privacy Policy. The Service, Koala, and the Guala name and logos belong to us. If you send us feedback or ideas, we may use them without owing you anything.

10. Ending the Service

You can stop any time: cancel your subscription, text STOP, or ask us to delete your account. We may suspend or end your access if you break these Terms, if the law requires it, or if we stop offering the Service. Where we reasonably can, we'll tell you first. If we stop offering the Service, we'll refund any month you've paid for and not used. Sections 2, 3, 9, 11, 12, 13 and 14 continue to apply after your access ends.

11. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement, and we don't promise that the Service or its data will be accurate, complete, uninterrupted or error-free.

12. Limit on liability

To the fullest extent the law allows, Guala won't be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising from the Service. Our total liability for any claim about the Service is limited to the greater of what you paid us in the 12 months before the claim or $100. Some states don't allow some of these limits, so they may not all apply to you.

13. Indemnity

If a claim is brought against Guala because you broke these Terms or the law, or misused the Service, you agree to cover the reasonable costs and losses that result, including legal fees.

14. Governing law and disputes

These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-law rules. Before bringing a claim, please email us and give us 30 days to try to resolve it. Any dispute that isn't resolved will be decided by the state or federal courts located in Fulton County, Georgia, and you and Guala agree to their jurisdiction.

15. Changes to these Terms

When we change these Terms, we'll post the new version here with a new effective date. If a change is significant, we'll tell you by text or email at least 14 days before it takes effect. If you keep using the Service after that, the new Terms apply.

16. General

These Terms and our Privacy Policy are the whole agreement between you and Guala about the Service. If any part is found unenforceable, the rest still applies. If we don't enforce a part right away, we haven't waived it. You may not transfer these Terms to anyone else; we may transfer them as part of a merger, acquisition or sale. We send notices to you by text or email; send notices to us at the address below.

17. Contact

Email support@gualaapp.com, or write to:

DID YOU CATCH IT INC (d/b/a Guala)
457 Arnold St NE
Atlanta, GA 30308