Terms and Conditions
This is a courtesy English translation of the legally binding Spanish original. In case of any discrepancy, the Spanish version prevails: Términos y Condiciones
Last updated: 28 March 2026 (v1.1)
By registering with and using Cuéntamo you accept these Terms and Conditions. We recommend that you read them carefully.
1. Identification of the service provider (LSSI-CE, the Spanish information-society services act, art. 10)
| Owner | David Marín Carreño (self-employed) |
| NIF | 02246556P |
| Address | Calle Colmenar, 8. Chalet 6, 28863 Cobeña (Madrid) |
| Contact email | [email protected] |
| Domain | cuentamo.com |
2. Purpose of the service
Cuéntamo is a web application for personal and self-employed accounting. It lets you record bank accounts, transactions, recurring expenses and income, and obtain forecasts of future balances.
The service is provided through the address cuentamo.com and is available as a progressive web application (PWA) for mobile devices.
3. Plans and prices
Cuéntamo offers the following plans:
- Free: basic features at no cost.
- Más: paid plan with monthly or annual billing and extended features.
- Avispado: special plan for users who registered at an early stage.
Prices may be changed with a minimum notice of 30 days by email notification. Users on the Avispado plan keep their original price for as long as they remain subscribed.
Payments are processed securely through Stripe Inc. Cuéntamo does not store credit card data on its servers.
4. Registration and user account
- To use Cuéntamo you must create an account providing truthful and up-to-date information.
- Each natural person may have only one user account.
- You must verify your email address to activate the account.
- You are responsible for keeping your login credentials confidential.
- The service is intended for people aged 16 or over.
5. Acceptable use
By using Cuéntamo you undertake to:
- Not use the service in an automated manner (bots, scrapers, scripts) without express authorization.
- Not resell, sublicense or redistribute access to the service.
- Not use the platform for illegal or fraudulent activities or activities that infringe the rights of third parties.
- Not attempt to access other users' data or circumvent the service's security measures.
Failure to comply with these conditions may result in the suspension or cancellation of your account.
6. Shared categorization engine
Cuéntamo incorporates an automatic categorization engine that learns from the bank-description-to-category assignments made by all users of the service. This engine is an essential part of how the platform works and one of its core value propositions.
By using Cuéntamo, you accept that the anonymous associations between bank descriptions and categories (for example, "RECIBO IBERDROLA" → "Electricity") are used to improve the categorization experience for all users. Under no circumstances are amounts, dates, balances or data that could identify a specific user used.
This condition is inherent to the use of the service. If you do not agree to your description-to-category assignments feeding this shared engine, please do not register with or use Cuéntamo.
7. Communications
By registering with Cuéntamo you agree to receive the following types of communications by email:
- Transactional communications: registration confirmations, email verification, password changes, security alerts, subscription notices and invitations to account books. These communications are necessary for the operation of the service and cannot be disabled.
- Product communications: messages about new features, usage tips, reminders based on your activity and announcements from the Cuéntamo team. You can disable these communications at any time from Settings → Profile in the application.
Cuéntamo does not send third-party advertising and does not share your email address with advertisers.
8. Informational tools
Cuéntamo includes calculation and estimation tools (such as the calculation of the annual equivalent rate (TAE) on bank interest, balance forecasts or quarterly tax settlements). These tools are purely indicative and their results are estimates. They do not replace professional advice or the official data of your bank or the Agencia Tributaria (the Spanish tax agency).
9. Intellectual property
Cuéntamo, including its name, logo, design, source code and original content, is the property of David Marín Carreño. All rights are reserved.
Use of the service does not grant you any intellectual property rights over the platform or any of its elements.
The data you enter in the application is and will remain yours. Cuéntamo only uses it to provide you with the service in accordance with the Privacy Policy.
10. Limitation of liability
Cuéntamo is a personal accounting management tool and does not replace professional tax, financial or legal advice.
- We do not guarantee the accuracy of tax calculations or estimates generated by the application.
- Balance forecasts are indicative and are based on the data you enter.
- Cuéntamo is not responsible for financial decisions made on the basis of the information shown in the application.
- We will do our best to keep the service available, but we do not guarantee 100% uptime. The service may suffer interruptions due to maintenance or force majeure.
11. Account deletion and data removal
You can delete your account at any time from the Settings section of the application.
When you delete your account:
- Any active subscription will be cancelled.
- Your personal and financial data will be deleted in cascade from our systems.
- Billing data will be kept for 5 years in accordance with Spanish tax legislation.
- If you contributed to improving the categorization engine, the anonymized data already incorporated cannot be deleted (being anonymous, it is not linked to your person).
12. Changes to these terms
We may update these Terms and Conditions. In the event of substantial changes, we will notify you by email with a minimum notice of 30 days before they take effect.
If you continue to use the service after the changes take effect, you will be deemed to have accepted them. If you do not agree, you can delete your account at any time.
13. Applicable law and jurisdiction
These Terms and Conditions are governed by Spanish law, including the General Data Protection Regulation (GDPR), Ley Orgánica 3/2018 de Protección de Datos Personales y Garantía de los Derechos Digitales (LOPDGDD, the Spanish data-protection act) and Ley 34/2002 de Servicios de la Sociedad de la Información (LSSI-CE, the Spanish information-society services act).
For any dispute that cannot be resolved amicably, both parties submit to the Courts and Tribunals of Madrid, unless consumer protection regulations establish a different jurisdiction.
14. Contact
For any questions about these terms, you can write to us at [email protected].