Last updated: November 2025
These Terms & Conditions (“Terms”) govern the use of the Payooo mobile application (“the App”, “we”, “our”, “us”), available for Android and iOS. By downloading, accessing, or using the App, you agree to be bound by these Terms.
If you do not agree to these Terms, please discontinue use of the App and uninstall it from your device.
Payooo is a personal finance and budgeting tool that helps users track payments, organize bills, and plan payoff strategies.
Payooo does not offer loans, credit, banking services, lending decisions, or financial advice. It is strictly an organizational tool for personal budgeting.
You must be at least 13 years old to use Payooo. If you are under 18, you may use the App only with the approval of a parent or guardian.
Some features require creating an account. You are responsible for:
We reserve the right to suspend or terminate accounts that violate these Terms.
Payooo allows you to enter bill details, amounts, payment reminders, and other personal planning information.
You are solely responsible for the accuracy of the data you enter. Payooo does not verify or validate financial entries.
Payooo offers optional premium features through:
By purchasing a subscription or one-time upgrade, you agree to:
All payments are handled by Google or Apple. We do not store or access your credit card information.
Refunds must be requested directly from:
Subscriptions renew automatically unless canceled at least 24 hours before the renewal date.
You may manage or cancel subscriptions through:
Deleting the App does not cancel your subscription.
The free version of Payooo may show ads using Google AdMob (Android only).
Payooo also uses Firebase Analytics and RevenueCat for analytics and subscription management.
Your use of the App is also subject to Google, Apple, and third-party terms, including:
You agree not to:
All rights, trademarks, content, design, and intellectual property within the App belong to Gaia Superlab.
You may not copy, distribute, or reuse App content without permission.
The App is provided "as is" and "as available" without any warranties, express or implied.
We do not guarantee accuracy, availability, or that the App will be free from errors, bugs, or interruptions.
Payooo does not provide financial advice.
To the maximum extent permitted by law, Gaia Superlab and its affiliates are not liable for:
We may suspend or terminate access to the App if you:
You may stop using the App at any time by uninstalling it.
These Terms are governed by the laws of Panama, without regard to conflict-of-law principles.
We may update these Terms from time to time. When we do, the “Last updated” date will change.
Continued use of the App after changes means you accept the revised Terms.
If you have any questions about these Terms, please contact us:
Gaia Superlab
Email: support@gaiasuperlab.com
Location: Panama City, Panama