These Terms of Service ("Terms") explain how Recibia works, what is expected of users, and the limits of our responsibility. By accessing or using Recibia, you agree to these Terms.
If you do not agree, please do not use the platform.
To use Recibia, you must:
We may require identity verification to protect the platform and its users. Failure to complete required verification may result in restricted access or account suspension.
Recibia reserves the right to deny access to anyone at its discretion, including users who pose a risk to the community.
When you create an account, you are responsible for:
You are responsible for all activity that occurs under your account. If you suspect unauthorized access, you must notify us immediately.
Recibia is not responsible for losses caused by unauthorized access resulting from your failure to secure your account.
By using Recibia, you agree to:
You understand that Recibia relies on trust between participants. Misuse of the platform undermines that trust and may result in enforcement actions.
A club is a private group created by users who already trust one another.
Recibia is designed for participation among trusted individuals, families, friends, business owners, and communities with existing relationships. Users are responsible for determining whether participation in a club is appropriate for them.
Recibia does not control club decisions and is not a party to agreements made within a club.
A cycle is a structured round of participation within a club.
You should only join cycles you are confident you can complete.
Recibia provides software tools that help trusted groups organize participation, coordinate contribution schedules, maintain records, and increase visibility within clubs and cycles.
Recibia does not manage clubs on behalf of users, determine participation decisions, guarantee cycle completion, or assume responsibility for commitments made between members.
Our role is limited to providing coordination, recordkeeping, and transparency tools.
Recibia facilitates coordination and tracking, but does not guarantee that all members will meet their obligations.
Access to funds or cycle activity may be temporarily restricted during reviews involving disputes, unusual activity, fraud prevention measures, or compliance requirements.
Recibia is not:
We do not:
Participation in clubs and cycles involves financial risk based on the behavior of other participants. You assume this risk when you choose to participate.
Recibia cannot guarantee that participants will meet their commitments or that any cycle will be completed successfully. Users should only participate in clubs and cycles with individuals they know and trust.
To help protect the community, Recibia may:
These actions are intended to reduce harm and maintain platform integrity. They do not imply wrongdoing.
If a dispute arises within a club or cycle:
Recibia does not act as an arbitrator and does not guarantee dispute resolution outcomes.
Recibia may introduce fees or change pricing in the future. Any changes will be communicated clearly before they take effect.
Continued use of the platform after changes constitutes acceptance.
To the maximum extent permitted by law:
Our role is limited to providing coordination, recordkeeping, visibility, and transparency tools. Recibia does not enforce financial obligations between users.
Recibia may suspend or terminate your account if:
Users may stop using Recibia at any time, subject to any obligations related to active cycles.
We may update these Terms from time to time. If we make material changes, we will notify users through the app or email.
Your continued use of Recibia after changes take effect means you accept the updated Terms.
If you have questions about these Terms, please contact our support team through the Help Center.
Is Recibia a bank?
No. Recibia is not a bank, lender, money transmitter, remittance service, or investment platform. Recibia provides software tools that help trusted groups coordinate participation in clubs and cycles.
Does Recibia allow peer-to-peer payments?
No. Recibia is not designed for open-ended person-to-person money transfers. Participation occurs within structured clubs and cycles with predefined rules and schedules.