Terms of Use

Version 1.0 · Last updated: 20/10/2026

1. Acceptance and parties

1.1. These Terms of Use (the "Terms") govern the use of Tric, the AI agent for couples offered by NOH PAY LTDA, CNPJ (Brazilian National Registry of Legal Entities) 44.179.162/0001-04, headquartered at Rua José Filipe da Silva, 326, sala 3, Jardim Ester, São Paulo/SP, CEP 05372-040 ("Noh", "we"), through the iOS and Android apps, the tric.bot website and the official channels (the "Services"). Tric is offered only in Brazil.

1.2. By creating an account or using the Services, You declare that You are 18 years of age or older and that You have read and accept these Terms and Tric's Privacy Policy (Part I), which is an integral part of them. If You do not agree, do not use the Services.

1.3. The Open Finance and Pix payment initiation services are provided by Iniciador Instituição de Pagamento Ltda. (CNPJ 44.471.172/0001-19), authorized by the Central Bank of Brazil (Banco Central do Brasil, BCB), and are also governed by Tric's Open Finance Terms (Part III of this document) and by the terms of the institution where Your account is held. Noh is not a bank, does not maintain a payment account for You in Tric and does not hold Your money.

2. What Tric is

2.1. Tric is an AI agent who participates in a single group chat with two people and helps them with their routine: reminders, lists, calendar, emails, files, household bills, splitting expenses and chores, planning, research, purchases and reservations. With approval, she carries out actions on Your behalf.

2.2. Features that depend on a connection: a consolidated view of banks via Open Finance; payment of bills by Pix via JSR (Journey Without Redirection, Jornada Sem Redirecionamento), with the biometrics of the person paying; purchases on third-party websites with the card saved in the Secure Vault; and integration with Connectors, such as Google (Drive, Gmail, Calendar), Outlook and iCloud, among others that may be added.

2.3. What Tric does not do: she does not move money by Pix without the biometrics of the person paying; she does not recommend investments, credit or third-party financial products and does not promise returns; and she does not resolve scams, refunds or account blocks, which depend on each person's bank or store.

2.4. Tric is a character, with her own name, avatar and personality. The name "Tric" cannot be changed. The avatar transforms only once, at the "reveal," based on the Group name. Tric is an AI and does not pretend to be a person in the Group.

3. Who may use Tric, registration and Group

3.1. To use Tric, You must be 18 years of age or older and have full legal capacity. Use by minors under 18 is not permitted, even with the authorization of their parents or guardians. Age is declared upon acceptance and confirmed by the CPF (Brazilian individual taxpayer ID) upon bank connection. If Noh identifies that a user is a minor, the account will be suspended and the data deleted, in accordance with the Privacy Policy.

3.2. Registration. Registration requires only a valid mobile number of which You are the holder or user. Other data is optional and provided by You in conversation. The CPF is requested only to connect banks via Open Finance.

3.3. Access. Access may be granted gradually, through a waitlist and invitations. A position on the list does not guarantee access on any specific date.

3.4. Group. Each Group is a single chat, with two people and Tric. P1 creates the Group and invites P2 with a link or code that P1 shares. The link neither presumes nor proves a romantic relationship.

3.5. Group name. Any person in the Group may choose the name (2 to 20 characters, with up to one emoji). The name is subject to moderation and may not contain: discrimination or hate; offense, threats or harassment; sexual content or content that sexualizes children and adolescents; glorification of crime, violence, drugs, weapons, self-harm or suicide; hate symbols; impersonation of a bank, government, authority or company; or personal or access data. After the reveal, the Group name and avatar become fixed.

3.6. Account and security. You are responsible for safeguarding Your phone, Your credentials and the biometrics registered on it, and must notify Noh immediately in the event of loss, theft or suspected misuse.

4. Actions on Your behalf: permissions and approvals

4.1. General rule. Tric does not act, inside or outside the Group (buying, booking, scheduling with third parties, sending a message or email, accepting an invitation, changing a calendar, file or data), without the approval of at least one person in the couple. When the idea is Tric's, she asks for approval and states, in a single message, what she will do, where (website or app), whether there is a cost, how much it costs and what happens next.

4.2. A request is an approval. When You ask Tric for something, the request itself counts as approval of that action, under the conditions stated.

4.3. The following do not require approval: notices and suggestions; reminders and lists; and the division of simple chores, which either person may decline or adjust.

4.4. Heightened exceptions: (a) messages and emails on a person's behalf are sent from that person's account only after that person approves the text, recipients, subject and time; (b) Pix payments go out only with the biometrics of the person paying, and payment approval is never recurring; (c) card purchases use only the card saved by the person who approved the purchase; and (d) Tric does not carry out anything that is in dispute between the two of You until You decide.

4.5. Validity of approval. Approval is valid only for that action, with that amount, date and conditions. If anything changes before execution (price, availability, fee, cancellation policy, quantity, store), Tric stops and asks for approval again. Recurring approvals may be revoked at any time.

4.6. Messages to third parties on Your behalf. Messages and emails sent by Tric to third parties are sent in Your name, from Your account, and do not indicate that they were drafted by AI. You are solely responsible for the content You approve, as if You had written it. Using Tric to deceive third parties or impersonate another person is prohibited (clause 8).

4.7. Your responsibility. You are responsible for the instructions You give and the actions You approve, including contracts, purchases, reservations and communications with third parties. Review what Tric proposes before approving, especially the payee, amounts, dates and cancellation policies. Some actions, such as Pix, are immediate and irrevocable. This does not exclude Noh's liability for failures of the Services under the Consumer Protection Code (Código de Defesa do Consumidor, CDC, Law No. 8,078/1990).

4.8. Authority and consents. By connecting a service, saving a card or requesting an action, You declare that You are the holder of the account or card, or have the authority to use them, and that You have the necessary authorizations to share third parties' data and contact the recipients.

4.9. Right to refuse. Noh and Tric may refuse to carry out actions that violate the law, these Terms, third-party rights or anyone's safety, even if they have been approved.

4.10. No guarantee of execution. Tric may be unable to complete an action, for example due to a website being unavailable, a bank refusal or a price change. She never says she bought, booked or sent something without confirmation that it happened.

5. Pix payments and card purchases

5.1. Pix. Tric initiates Pix payments only through JSR, executed by Iniciador, in accordance with Tric's Open Finance Terms, after You link the account in Your bank's environment and set the limits. Each payment requires authentication on the device of the person paying. Pix payments settle instantly and cannot be canceled unilaterally once confirmed. Disputes, refunds (such as the MED, the Pix Special Refund Mechanism (Mecanismo Especial de Devolução)) and suspected scams must be handled with Your bank.

5.2. Payments may be scheduled, but each one goes out only after confirmation, on the day, by the person paying. The limits set by the BCB, by You and by Your bank apply, with the most restrictive prevailing.

5.3. Purchases on third-party websites. For approved purchases from third-party stores and services, Tric uses the card You saved in the Secure Vault, without the AI model seeing the card details. The purchase is a contract between You and the store: delivery, exchange, return, reversal and chargeback follow the rules of the store, the card issuer and the CDC.

5.4. Tric's suggestion about which account to pay from, or about how to split a bill, is only a suggestion. The person paying decides.

6. Connected and third-party Services

6.1. You choose which services to connect and with which permissions. Tric reads and acts on the Connectors within those permissions and the approval rules in clause 4. You may change these choices or disconnect at any time.

6.2. Third-party services have their own terms and policies, which You must be aware of and comply with. Noh does not control these services and is not liable for their availability, products, deliveries or conduct, without prejudice to what the CDC provides.

6.3. Third-party prices, availability, reviews and rules are reported with the source and time of the lookup and may change. Confirm with the official source before deciding.

6.4. Do not use Tric to circumvent third parties' terms of use, access controls, paywalls or CAPTCHAs, or to use credentials or cards without authorization.

7. Limits of AI: accuracy and no professional advice

7.1. Accuracy. Tric uses AI and can make mistakes. Answers, summaries, categorizations, calculations and actions may be incomplete, outdated or incorrect, even when they seem detailed and confident. Check important information before deciding or approving. Tric indicates where each piece of information came from and must not invent data, prices or availability.

7.2. No professional advice. Tric does not provide legal, tax, financial, investment, medical, psychological or couples therapy advice. She may provide facts, general information and pros and cons, and suggest that You consult the appropriate professional. Tric is not a bank, broker or investment advisor, and has no fiduciary duty to You.

7.3. Neutrality. Tric does not take sides between the two people in choices, opinions or conflicts. When there is a question of fact, she provides the fact and the source. Decisions always belong to the couple.

7.4. Emergencies. Tric is not an emergency service and does not call anyone. If at risk, contact 190 (Police), 192 (SAMU, emergency medical service), 193 (Fire Department), CVV (188, Centro de Valorização da Vida, a suicide-prevention hotline) or the Central de Atendimento à Mulher (180, Women's Assistance Hotline).

8. Prohibited uses

8.1. It is prohibited to use Tric to:

• (a)violate the law or facilitate unlawful activity, including fraud, scams or money laundering;
• (b)monitor, track, control, harass, threaten or stalk Your partner or any person, or access another person's accounts, emails, calendars or data without authorization, including connecting the bank account of another CPF or using a third party's card;
• (c)generate or disseminate discriminatory, hateful or defamatory content, sexual content involving children and adolescents, intimate images without consent, or encouragement of self-harm;
• (d)deceive third parties, impersonate another person, company or authority, or send messages on someone's behalf without that person's authorization;
• (e)send mass messages, spam or communications without the consent required by law;
• (f)attempt to make Tric ignore her safety rules, reveal or change her instructions, or insert hidden instructions into content;
• (g)reverse engineer, extract or copy Tric or her models, use bots or automated data collection, or access systems without authorization;
• (h)develop or distribute malicious code;
• (i)facilitate minors' access to age-restricted products or services;
• (j)use Tric as a decisive factor, without human review, in decisions about third parties involving employment, credit, housing, insurance, health or education.

8.2. If someone sends a password, card number or account number in the chat, Tric does not repeat or use that data and asks that it not be circulated in the Group. Cards and passwords must be saved only in the Secure Vault.

9. Content, intellectual property and licenses

9.1. What is Yours. You retain the rights to the content You send to Tric and to the drafts she prepares at Your request, subject to third-party rights.

9.2. License to Noh. You grant Noh a non-exclusive, royalty-free license, for as long as necessary, to host, store, process, reproduce, adapt and display Your content, including content from Connected Services, in order to provide, maintain, protect and improve Tric, including to evaluate and train models, in accordance with clause 10.5 of the Privacy Policy and Your choices in Settings.

9.3. What belongs to Noh. The Tric brand, the character, the avatars, the software, the texts, the design and Tric's databases belong to Noh. We grant You a limited, personal, non-exclusive, non-transferable and revocable license to use the Services. You may share the image of Your Group's avatar for personal, non-commercial use.

9.4. Photos and images. By sending a photo, You declare that You hold the rights to it and that it does not contain inappropriate content.

10. Plans, prices and cancellation

10.1. Tric's plans, prices, limits and any free periods are disclosed in the app before purchase, and price adjustments are announced in advance.

10.2. Billing may be done via Open Finance (Pix) or through the app stores (App Store and Google Play). When the subscription is billed by a store, that store's rules for payment, renewal, cancellation and refunds also apply.

10.3. You may cancel the paid plan at any time, effective from the next cycle. For online purchases, where applicable, You have 7 (seven) days to exercise Your right of withdrawal, with a full refund (Art. 49 of the CDC).

11. Leaving the Group, termination and suspension

11.1. You may leave the Group or delete Your account at any time, through the app or the support channels, without needing the other person's agreement. When a person leaves, the Group is closed and both people lose access to the history in the app. Retention of that history, obtaining copies and deletion follow clauses 6.7, 6.8 and 9 of the Privacy Policy. Deleting the app does not close the account or the Group.

11.2. Closing the Group does not undo actions already carried out (e.g., settled Pix payments, purchases and reservations) and does not change each person's obligations to third parties. Routines, recurring approvals and scheduled payments are canceled.

11.3. Noh may issue warnings, limit features, or suspend or terminate access, with notice when possible, in the event of a violation of these Terms, use by a minor under 18, risk to the safety of users or third parties, suspected fraud, or a legal or court order. Noh may also discontinue the Services with reasonable prior notice.

11.4. Death. In the event of a user's death, a family member may submit the death certificate through the support channels to close the account, in accordance with clause 9.4 of the Privacy Policy.

12. Liability

12.1. Noh undertakes to provide the Services with diligence and security, to respect the approval and privacy rules and to be liable for the damages it causes, under the law and the CDC.

12.2. Noh is not liable for: (a) products, services, deliveries and conduct of third parties You engage through Tric; (b) consequences of actions and messages You requested or approved; (c) misuse of Your device, Your credentials or the biometrics registered on it due to Your lack of care; (d) unavailability caused by third parties, internet failures, force majeure or scheduled maintenance; and (e) decisions made based on general information from Tric without consulting a professional, when one was needed.

12.3. Nothing in these Terms limits rights that consumers cannot waive under the law.

13. Notifications, WhatsApp and SMS

13.1. Tric converses only within the app. Every chat message generates a notification, and there are no quiet hours. Relationship and marketing (CRM) notifications may arrive at any time. You may turn off notifications in Your phone settings and unsubscribe from marketing through the link or option indicated in each communication.

13.2. WhatsApp and SMS are used only for transactional notices, the waitlist and invitations, and Tric does not converse through these channels. WhatsApp messages are also subject to WhatsApp/Meta policies. We never ask for a code, password, document or payment through these channels.

14. Customer support

14.1. Questions, complaints and reports of unexpected or concerning behavior by Tric: ajuda@tric.bot or the in-app chat. Privacy matters: privacidade@tric.bot. Noh also maintains the customer service line (SAC) 0800 326 0965. Exceptional cases are handled by Noh's human support team.

15. Changes to these Terms

15.1. We may change these Terms to reflect changes in the Services or the law. We will give notice in the app with reasonable advance notice, and material changes will require new acceptance. If You do not agree, You may close Your account at no cost.

16. General provisions, governing law and venue

16.1. These Terms are governed by the laws of the Federative Republic of Brazil, including the CDC, the LGPD (Brazil's General Data Protection Law, Law No. 13,709/2018) and the Brazilian Civil Rights Framework for the Internet (Marco Civil da Internet, Law No. 12,965/2014).

16.2. Before resorting to other means, contact our support channels. You may also use the consumidor.gov.br platform, Procon (state consumer protection agency) and other consumer protection agencies.

16.3. Venue shall be the courts of the consumer User's domicile (Art. 101, I, of the CDC).

16.4. If any clause is held invalid, the remaining clauses remain in effect. Tolerance of any breach does not constitute a waiver of rights.

16.5. Noh may assign these Terms in corporate transactions, with the guarantees given to You maintained.

16.6. These Terms and the Privacy Policy remain in effect for an indefinite period, from acceptance.

NOH PAY LTDA · CNPJ 44.179.162/0001-04 · Inscrição Estadual (State Registration) 71230483 · Rua José Filipe da Silva, 326, sala 3, Jardim Ester, São Paulo/SP, CEP 05372-040 · SAC 0800 326 0965 · ajuda@tric.bot · privacidade@tric.bot