Terms of Service

By accessing or using any application or service provided by FARCHO-LABS ("Company", "we", "us", or "our"), including but not limited to DebtKiller, ShineTrack, Momentum, FunnelForge, TT Lossbeater, and Job Matcher (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please discontinue use of our Services immediately.

These Terms apply to all users, including visitors, registered users, and subscribers.

FARCHO-LABS develops and operates the following applications:

• DebtKiller — A debt management and elimination tool with AI-powered payoff strategies, multi-currency budgeting, and gamified financial tracking.
• ShineTrack — A vehicle lifecycle management application with AI-powered tire analysis, maintenance scheduling, and document storage.
• Momentum — An AI-powered bilingual task scheduler (ES/EN) with intelligent prioritization and calendar integration.
• FunnelForge — A sales funnel builder with drag-and-drop design, A/B testing, email automation, and real-time analytics.
• TT Lossbeater — A table tennis analytics platform providing AI-powered match predictions, player statistics, live performance metrics, and match insights. TT Lossbeater is strictly an informational and analytical tool. No betting, wagering, or gambling of any kind takes place within the platform. Users are solely responsible for any decisions made based on the insights provided.
• Job Matcher — An AI-powered job search and matching platform with resume optimization, salary benchmarking, and application tracking.

You must be at least 18 years of age to use our Services. By using the Services, you represent and warrant that you meet this requirement and have the legal capacity to enter into a binding agreement. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information.
• Keep your password confidential and not share it with third parties.
• Notify us immediately at support@farcholabs.com if you suspect unauthorized access to your account.

You are solely responsible for all activity that occurs under your account. FARCHO-LABS is not liable for any loss resulting from unauthorized use of your account.

Some Services are offered on a subscription basis with Free, Plus, and Pro tiers as described on our pricing page.

Payment Processing: All subscription payments are processed by Paddle.com Market Limited ("Paddle"), our authorized Merchant of Record. Paddle handles payment processing, invoicing, VAT and sales tax compliance, fraud protection, and customer billing on our behalf. When you purchase a subscription, you are transacting directly with Paddle. Charges on your bank statement will appear as "Paddle.net* FARCHOLABS" or similar.

Billing Cycles: Subscriptions are billed on a monthly or annual basis depending on the plan selected. Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.

Price Changes: We reserve the right to modify subscription prices. We will provide at least 30 days' notice via email before any price increase takes effect for existing subscribers.

Failed Payments: If a payment fails, Paddle will attempt to recover the payment automatically. If recovery is unsuccessful, your subscription may be downgraded or suspended until payment is resolved.

Free Tier: The Free tier is available without payment. Features available under the Free tier are subject to change at our discretion.

We may offer free trials for paid subscription tiers. At the end of the trial period, your account will automatically convert to the applicable paid plan unless you cancel before the trial ends. No charges are applied during the free trial period. You may cancel at any time before the trial ends through your account settings.

Cancellations: You may cancel your subscription at any time through your account settings or by contacting Paddle directly at paddle.net. Cancellation takes effect at the end of the current billing period. You will retain access to paid features until the end of the period for which you have already paid.

Refunds: As Paddle is our Merchant of Record, all refund requests are handled by Paddle in accordance with their refund policies. Generally, we offer refunds within 14 days of the initial purchase if the Service has not been substantially used. Refund requests after this period are evaluated on a case-by-case basis. To request a refund, contact us at support@farcholabs.com or visit paddle.net.

No refunds are issued for partial subscription periods, unused features, or downgrades between plans.

You agree not to use the Services to:

• Violate any applicable local, national, or international law or regulation.
• Attempt unauthorized access to any part of the Services, servers, or networks.
• Reverse engineer, decompile, or disassemble any part of the Services.
• Use automated means (bots, scrapers, crawlers) to access or extract data without express written permission.
• Upload or transmit viruses, malware, or any code designed to disrupt or damage systems.
• Impersonate any person or entity or misrepresent your affiliation.
• Engage in any activity that interferes with or disrupts the integrity or performance of the Services.
• Use TT Lossbeater predictions or insights to facilitate illegal gambling or betting activities in jurisdictions where such activities are prohibited.

Violation of these terms may result in immediate suspension or termination of your account without refund.

All Services, content, features, and functionality — including software, text, graphics, logos, icons, images, and data compilations — are the exclusive property of FARCHO-LABS and are protected under international copyright, trademark, patent, and trade secret laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes, subject to these Terms. This license does not include the right to sublicense, resell, modify, copy, or create derivative works from any part of the Services.

You retain full ownership of any data, text, or content you submit through the Services ("User Content"). By submitting User Content, you grant FARCHO-LABS a limited, worldwide, royalty-free license to store, process, and use your User Content solely to provide and improve the Services.

We do not sell, rent, or share your User Content with third parties for marketing purposes. See our Privacy Policy for full details on how we handle your data.

Our Services incorporate AI-powered features including but not limited to debt payoff strategies, vehicle diagnostics, task scheduling, match predictions, and job matching. These features are provided for informational and analytical purposes only.

AI outputs do not constitute financial, legal, medical, investment, or professional advice. Predictions and recommendations generated by our AI systems may be inaccurate or incomplete. You are solely responsible for any decisions made based on AI-generated content. FARCHO-LABS expressly disclaims any liability arising from reliance on AI outputs.

Our Services may integrate with or link to third-party services, websites, or platforms. These integrations are provided for convenience only. FARCHO-LABS does not endorse and is not responsible for the content, privacy practices, or terms of any third-party service. Your use of third-party services is governed by their respective terms and policies.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FARCHO-LABS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION — ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO FARCHO-LABS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) USD $50.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED ACCESS. WE DO NOT WARRANT THAT THE SERVICES WILL BE FREE OF ERRORS, BUGS, OR SECURITY VULNERABILITIES.

You agree to indemnify, defend, and hold harmless FARCHO-LABS and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or related to your use of the Services, your User Content, or your violation of these Terms.

We reserve the right to suspend or terminate your access to the Services at any time, with or without cause, with reasonable notice where practicable. Upon termination, your right to use the Services ceases immediately. You may request an export of your personal data before account closure by contacting support@farcholabs.com. Termination does not entitle you to a refund except as described in Section 7.

We reserve the right to modify these Terms at any time. For material changes, we will notify users via email or through a prominent notice within the Services at least 14 days before the changes take effect. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the updated Terms.

These Terms shall be governed by and construed in accordance with the laws of the Republic of Colombia, without regard to conflict of law principles. Any disputes arising from or relating to these Terms or the Services shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to the competent courts of Medellín, Antioquia, Colombia.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and FARCHO-LABS regarding the Services and supersede all prior agreements, representations, or understandings.

If you have any questions about these Terms, please contact us at:

FARCHO-LABS
Email: support@farcholabs.com
Website: https://farcholabs.com