Terms of Use

Effective Date: July 16, 2026

These Terms of Use (“Terms”) govern your access to and use of the website heliosappslabs.com and our mobile applications, including Remesas Hoy (together, the “Services”), operated by Helios Apps Labs (“Helios Apps Labs,” “we,” “us,” or “our”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Informational Purpose Only; No Financial Services

The Services display exchange rates, fees, and related information about third-party money-transfer providers. This information is compiled from third-party public sources, and it may be delayed, incomplete, or contain errors. Rates and fees change frequently, and the rate or fee shown in the Services may differ from what a provider actually offers at the moment you transact. Always verify the current rate, fees, and total cost directly with the transfer provider before sending money. The rate and terms presented by the provider at the time of your transaction are the only ones that apply.

We are not a money transmitter, money services business, bank, broker, or financial institution. No financial transactions occur through the Services. We do not send, receive, hold, or convert funds, and we are not a party to any transaction between you and a transfer provider.

2. No Financial Advice

Content in the Services is general information only. It is not financial, investment, legal, or tax advice, and it is not a recommendation to use any particular provider. You are solely responsible for your decisions about whether, when, how much, and through whom to send money.

3. Third-Party Providers and Trademarks

We are not affiliated with, endorsed by, sponsored by, or a partner of any money-transfer provider displayed in the Services. Provider names, logos, and trademarks belong to their respective owners and are used solely to identify the providers and their publicly available rates and fees for comparison purposes. Any links to third-party websites or apps are provided for convenience; your use of them is governed by those parties’ own terms and policies, and we are not responsible for their content or services.

4. Acceptable Use

You agree that you will not:

Use the Services for any unlawful purpose or in violation of any applicable law or regulation;
Interfere with or disrupt the Services, our servers, or connected networks, or attempt to circumvent security measures;
Use bots, scrapers, or other automated means to access the Services or systematically extract data from them without our prior written consent;
Copy, resell, or redistribute the Services or their data, or use them to build a competing product or dataset;
Reverse engineer, decompile, or disassemble any part of the Services except to the extent expressly permitted by applicable law;
Misrepresent your affiliation with any person or entity, or use the Services to mislead others.

5. Intellectual Property

The Services, including their software, design, text, graphics, and compilations of information (but excluding third-party trademarks and third-party content), are owned by Helios Apps Labs or its licensors and are protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for your own non-commercial purposes in accordance with these Terms and, for apps distributed through Google Play, in accordance with the applicable Google Play terms. If you send us feedback or suggestions, you grant us a perpetual, royalty-free license to use them without obligation to you.

6. Advertising

The Services may display third-party advertisements, including ads served through Google AdMob. Ads may be personalized or non-personalized, as described in our privacy policies. We do not endorse advertised products or services, and any dealings you have with advertisers are solely between you and them.

7. Privacy

Our handling of information is described in the heliosappslabs.com Website Privacy Policy and the Remesas Hoy Privacy Policy, which are incorporated into these Terms by reference.

8. Disclaimer of Warranties

THE SERVICES AND ALL INFORMATION IN THEM ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY RATE OR FEE DISPLAYED WILL MATCH WHAT A PROVIDER ACTUALLY OFFERS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HELIOS APPS LABS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR RELIANCE ON THE SERVICES OR ANY INFORMATION IN THEM, INCLUDING ANY EXCHANGE RATE OR FEE INFORMATION, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF FIFTY US DOLLARS (USD $50) OR THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

10. Indemnification

You agree to indemnify, defend, and hold harmless Helios Apps Labs and its officers, directors, employees, and agents, from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Services, your violation of these Terms, or your violation of any law or the rights of a third party.

11. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, including if we believe you have violated these Terms. You may stop using the Services at any time, and you may end your use of an app by uninstalling it. Sections that by their nature should survive termination (including Sections 3, 5, and 8 through 14) will survive.

12. Changes to These Terms

We may modify these Terms from time to time. The current version, with its effective date, will be posted on heliosappslabs.com and made available through our apps. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms. If you do not agree to a change, stop using the Services.

13. Governing Law and Venue

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the Commonwealth of Massachusetts, USA, without regard to its conflict-of-laws rules. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Massachusetts for any such dispute, except where applicable law grants you non-waivable rights to another forum. Nothing in these Terms limits any consumer rights you hold under mandatory applicable law.

14. Miscellaneous

If any provision of these Terms is held unenforceable, the remaining provisions remain in full force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with the referenced privacy policies, are the entire agreement between you and us regarding the Services. For apps obtained through Google Play, the applicable Google Play terms of service also apply to your download and use of the app.

15. Contact

Helios Apps Labs
Email: [email protected]