Terms and Conditions of Use — doble

Last updated: October 10, 2026
Version: 2.1

Note: This is an English courtesy translation. The Spanish version is the legally binding one; in the event of any discrepancy, the Spanish version prevails.

1. Acceptance of the terms

These Terms and Conditions govern the use of the doble application and the website doble.money (the "Service"), operated by HNTR S.A.S., tax ID (NIT) 901.633.274-6, domiciled in Medellín, Colombia ("doble" or "we").

By creating an account or using the Service, you accept these terms in full. If you do not agree, you must not use the Service.

2. Description of the Service

doble is a tool for organizing personal and shared finances. The Service lets you centralize and view your financial transactions automatically, based on the alerts your bank sends you by email and that you voluntarily forward, as well as by entering information manually.

doble is not a financial institution, is not a bank, does not hold or handle your money, and does not carry out transactions. doble only organizes and displays information about transactions that have already occurred. The information shown is for informational and personal-organization purposes.

The Service is provided through an initial trial period and, after that, through paid subscription plans on the terms set out in section 7.

The Service includes a support channel inside the app so that you can write to us and we can reply, on the terms set out in section 14.

3. Eligibility

• You must be at least 18 years old.
• You must provide accurate information when registering.
• You are responsible for keeping your credentials and your unique forwarding address confidential.
• You are responsible for all activity that occurs in your account.

4. Acceptable use of the Service

You agree to:

• Use the Service solely for lawful and personal purposes.
• Not attempt to access other users' accounts or data without authorization.
• Not attempt to breach, overload, or interfere with the security or operation of the Service.
• Not use the Service for fraudulent or illegal activities.
• Use the support channel in good faith: do not send illegal or offensive content, or anything unrelated to a request for help, and do not attach images containing third-party data that are not necessary to handle it.
• Do not share your bank credentials with us. doble will never ask you for them —neither the password, nor the full number of a card, nor its security code, nor a one-time code— and does not need them to work. The only thing the app asks for in order to recognize a product is the last three or four digits.

We reserve the right to suspend or terminate accounts that breach these terms.

5. Shared finances (circles)

The Service lets you share financial information with other people through "circles". By sharing information, you acknowledge that:

• Other members of the circle will be able to see the information you choose to share, as described in the Privacy Policy.
• Sharing is a voluntary decision that is yours to make.
• doble is not responsible for how other members use the information you share.

6. Accuracy of the information

6.1 Automatic processing of your transactions

doble automatically processes the information in your bank emails. Although we work to make this processing accurate, errors of interpretation or classification may occur. You are responsible for reviewing and, where necessary, correcting or adjusting the information shown. doble does not guarantee the absolute accuracy of automatically processed information and is not responsible for decisions you make based on it.

6.2 The doble assistant

The Service includes an assistant that answers questions about your own financial information and that can propose actions inside doble, such as scheduling a payment, recording a transaction, sharing it with a circle, or creating a dobletab. By using it, you acknowledge that:

• The assistant can be wrong. Its answers are generated automatically and may contain errors or omissions.
• Its answers are not financial, accounting, tax, or investment advice, as stated in section 10.
• No action runs on its own: before creating or changing anything, the assistant shows you what it is going to do and waits for your confirmation.
• You confirm every action and are responsible for it. doble is not liable for an action you confirmed, nor for the decisions you make based on an answer from the assistant.

You can switch the assistant off at any time in Settings → Preferences.

7. Trial period, plans and subscriptions

7.1 Trial period

When you create your account, HNTR S.A.S. grants you a 30-calendar-day trial period with full access to the Service.

This trial period is granted directly by HNTR S.A.S., does not require you to register any payment method, and is not an introductory offer or a free trial from the App Store or Google Play. When the trial period ends, no charge is made and no subscription is activated automatically: if you do not purchase a plan, your account moves to the mode described in section 7.7. The trial period is granted once per account.

7.2 Available plans

doble offers the following subscription plans, under the name doble+:

Each plan is offered in two lengths: monthly, renewing every month, and annual, renewing every twelve months.

A subscription gives access to all the features of the Service described in section 2, including recording and editing transactions and the shared finances features.

7.3 Prices

The current price of each plan and length is shown inside the application, on the subscription screen, in your country's currency and including any applicable taxes according to the store's rules. The price that applies is always the one the store shows you at the moment you confirm the purchase.

7.4 Billing and automatic renewal

Subscriptions purchased from the iOS application are processed through the App Store (Apple), and those purchased from the Android application, through Google Play. Accordingly:

• The charge is applied to the App Store or Google Play account associated with your device when you confirm the purchase.
• The subscription renews automatically for a period equal to the one purchased, unless you cancel the renewal at least 24 hours before the end of the current period.
• The renewal charge is applied within the 24 hours prior to the end of the current period.
• HNTR S.A.S. does not receive, process or store your payment method details: they are handled exclusively by the store.

7.5 How to cancel the renewal

You may cancel automatic renewal at any time from your account settings in the store:

• iPhone or iPad: Settings → [your name] → Subscriptions.
• Android: Google Play → your profile menu → Payments and subscriptions → Subscriptions.

Cancellation takes effect at the end of the period you have already paid for: you keep access until that date and no further charge is made. HNTR S.A.S. cannot cancel the subscription on your behalf, because billing and renewal are managed by the store.

7.6 Shared plans (duo and family)

In the doble+ duo and doble+ family plans, the person who purchases the plan is its holder and the only party liable for payment. The holder may invite other people up to the plan's limit, and those who accept the invitation access the plan's features for as long as the holder's subscription is active. If the holder cancels, does not renew, or loses access for any reason, invited members lose access as well. Invited members take on no payment obligation and may leave the plan at any time.

7.7 What happens when there is no active subscription

When the trial period ends, or when a subscription expires without renewal, your account moves to read-only mode: you keep access to all your historical information and may view and export it, but you cannot record new transactions or modify existing ones. Your data is not deleted for this reason, and full access is restored when you purchase a plan.

7.8 Price changes

We may change plan prices. Any price change will be communicated to you with reasonable advance notice through the application and by the mechanisms required by the relevant store, and will apply only to renewal periods after the notice. If you do not accept the new price, you may cancel the renewal before it takes effect, as described in section 7.5.

7.9 Refunds and right of withdrawal

Who can issue the refund depends on where you bought, and that is not our decision.

If you subscribed on doble.money, the charge is processed by Paddle.com Market Limited as merchant of record and we authorise the refund. If you subscribed through Google Play, the charge didn't go through HNTR S.A.S. either, but Google lets us return it: we issue the refund ourselves. If you subscribed through the App Store, only Apple can issue it under its own policies, and we handle the request with you.

In both cases we offer 14 calendar days from any charge to request a full refund, with no conditions. The detail lives in the Refund Policy, which forms part of these terms.

If you are a consumer in Colombia, you have the right of withdrawal provided for in article 47 of Law 1480 of 2011, which you may exercise within five (5) business days of purchase, and the payment reversal remedy under article 51 of the same law. To exercise either right, write to us at soporte@doble.money: we will explain the procedure and, where the charge was processed by the store, we will support you in your request to it. If you reside in the European Union, the United Kingdom, or another jurisdiction that grants an equivalent right of withdrawal or refund, you may exercise it under your local law.

7.10 Account deletion and subscription

Deleting your doble account does not cancel or refund your subscription, because the subscription is managed by the store and not by doble. If you wish to stop paying, first cancel automatic renewal as described in section 7.5, and then delete your account.

8. Availability of the Service

We strive to keep the Service available, but we do not guarantee that it will operate uninterrupted or error-free. We may perform maintenance, updates, or temporary suspensions. We are not responsible for interruptions beyond our reasonable control.

9. Intellectual property

All rights in the Service, its brand, design, code, and content belong to HNTR S.A.S. or its licensors. You acquire no ownership rights in the Service by using it. Your financial and personal data remain yours.

10. Limitation of liability

To the maximum extent permitted by Colombian law, doble will not be liable for indirect, incidental, or consequential damages arising from the use of or inability to use the Service.

doble is an informational tool for organizing finances: it does not provide financial, accounting, tax or investment advice, and any decisions you make based on the information the Service displays are your sole responsibility.

Nothing in this clause limits or excludes the warranties and rights that Colombian law grants consumers on a mandatory basis, nor any liability that cannot be excluded under applicable law.

11. Account termination

You may delete your account at any time from the application's Settings; the procedure and details of which data are deleted are described in the Account deletion section below and in the Privacy Policy. If you have an active subscription, note section 7.10: deleting your account does not cancel the subscription. We may suspend or terminate accounts that breach these terms, notifying you when reasonably possible.

12. Changes

We may modify these terms to reflect changes in the Service or in applicable regulations. We will inform you of material changes through the application. Continued use of the Service after a change constitutes your acceptance of the new terms.

13. Governing law and jurisdiction

These terms are governed by the laws of the Republic of Colombia. Any dispute will be submitted to the competent courts of the city of Medellín, Colombia.

14. Contact and support

For any questions about these terms, write to us at soporte@doble.money.

Support inside the app. Under Settings → Talk to us you will find a chat to write to us directly. We are available Monday to Saturday, from 7:00 a.m. to 8:00 p.m., Colombia time; the app shows you that schedule converted to your country's time. Outside those hours you can still write to us and we will reply as soon as we are back.

What you can send. You can write text and attach images. We ask you to attach only what is necessary to understand your case: a screenshot of your bank may contain account numbers, balances and third-party names.

What we will never ask you for. Neither our support team nor any other doble channel will ask you for your bank password, the full number of a card, its security code or a one-time code. If someone asks you for them claiming to be from doble, it is not doble.

What we do with that conversation. Support conversations are recorded so that we can follow up and keep a record of what was asked and what was answered. Images are deleted automatically after 90 days from the last message in the conversation. The details of what we keep, for how long and who can read it are in section 3.7 of the Privacy Policy.

Support is not financial advice. Our team helps you use doble; it does not tell you what to do with your money, nor does it issue investment, credit or tax recommendations.

Account deletion

You may delete your doble account at any time, at no cost.

How to delete it from the app: open doble, go to Settings, and tap "Delete my account"; then confirm the action in the window that appears.

What data is deleted: upon confirmation, your account is marked for deletion and, once the grace period has elapsed (see below), HNTR S.A.S. permanently deletes all data associated with your account: your profile (name and email), your transactions, accounts, cards, loans, savings goals, budgets, and categories, as well as all other financial information linked to the account. Circles (shared finances) in which you participate pass to their longest-standing member; if you are the only member, the circle is deleted as well.

Grace period and cancellation: during the 15 days following the request, deletion can be reversed — simply log back in to doble and cancel the request from the app. Once that period ends, the deletion is final and irreversible. The content of the emails you forwarded is retained for the periods stated in the Privacy Policy (a maximum of 60 days for bank alerts and 15 days for the rest), after which it is automatically deleted.

If you cannot access the app: you may request the deletion of your account by writing to soporte@doble.money from the email associated with your account, and we will handle your request.

If you have an active subscription: deleting your account does not cancel or refund the subscription, because billing is managed by the App Store or Google Play. First cancel automatic renewal from your account settings in the store (section 7.5 of the Terms), and then delete your doble account.

doble is operated by HNTR S.A.S. (NIT 901.633.274-6), Medellín, Colombia.