Version 1.0 · Effective: from when the feature is turned on · Prevailing language: Spanish. This is a faithful English translation; if there is any difference, the Spanish version prevails.
1.1. "Passwords" is an optional Memo folder where the user ("you") can store entries with access credentials (site, username, password or a hint, and notes). It is not needed to use Memo: you can choose not to turn it on, and you can stop using it whenever you want.
1.2. These terms are in addition to Memo's Privacy Policy and general Terms. If there is a conflict regarding this folder, these specific terms prevail.
1.3. Only people who are over 18 years old and have the legal capacity to enter into contracts may turn it on.
1.4. The feature is offered at an early stage ("beta"). It may change, have errors or be suspended; if that happens, we will let you know and you will be able to withdraw your content, to the extent technically possible.
2.1. What you store is encrypted on your phone before it leaves it, with a key that is generated there and kept in the device's secure storage, protected by your Face ID, fingerprint or phone passcode. Only the already-encrypted copy reaches Memo's servers, where it is kept so it can be synced between your devices.
2.2. Memo does not have the key to open that copy and, by design, cannot read your passwords. They are also not sent to artificial intelligence, WhatsApp, email, searches, summaries or exports.
2.3. To restore your entries on another phone, a recovery key is used. It is generated when you turn the feature on and only you keep it. Memo does not store it and cannot regenerate it.
2.4. No system is infallible. Even with encryption, there may be vulnerabilities in third-party software, on your device or in the operating system, or sophisticated attacks. Memo applies reasonable and proportionate security measures, but does not guarantee that the service is unbreachable or uninterrupted.
3.1. Content. You are solely responsible for the information you store, for its accuracy, for keeping it up to date and for having the right to store it. Do not store other people's credentials without their authorization, or anything whose use or storage is unlawful.
3.2. Your device. You keep your phone and its operating system up to date, with screen lock enabled (passcode and Face ID or fingerprint), without modifications that defeat its protections (for example, jailbreaking), and you do not leave it available to third parties while the folder is open.
3.3. Your recovery key. You keep it in a safe place, separate from your phone (for example, printed or in a password manager of your own), you do not share it with anyone, you do not photograph it in exposed places and you do not send it by message or email. Memo will never ask you for it: if someone claims to be from Memo and asks you for it, it is a fraud attempt.
3.4. Backups and two-step verification. You keep, under your own responsibility, another way to regain access to your important accounts (for example, the recovery codes each service gives you) and you turn on two-step verification on them. You must not depend on Memo as the only place where your critical credentials exist (bank, main email, digital identity).
3.5. Changes and suspicions. If you suspect that your device, your recovery key or your accounts have been compromised, you must immediately change the affected passwords and let us know through the contact channel.
3.6. Caution against scams. You are responsible for recognizing and avoiding phishing attempts, social engineering and malicious software that could lead you to hand over your information.
4.1. If you lose your phone, replace it or it is damaged, and you also do not have your recovery key, your entries cannot be recovered, neither by you nor by Memo. This is not a service failure: it is a direct consequence of Memo not having access to the content.
4.2. If another person gets your unlocked device, your phone passcode or your recovery key, they will be able to access your entries. The risks and consequences of that situation are yours, provided they are not due to a breach by Memo of the measures described in section 2.
4.3. The physical and logical safekeeping of your device and your recovery key is your responsibility, and you assume the consequences of their loss, theft, disclosure or use by third parties, on the terms of section 7.
4.4. If you change phones and have your recovery key, you can restore your entries. For number changes, Memo offers an account transfer mechanism; the recovery key and the encrypted entries are transferred without being decrypted.
5.1. You use this folder by your own decision and at your own risk, informed of what is described in these terms.
5.2. To the extent the law allows, the feature is provided "as is" and "as available". Memo does not guarantee that it is free of errors, that it is fit for a particular purpose, or that it is immune to data loss.
5.3. Memo is not a financial service, a certified identity manager or a custodian of assets. Passwords can give access to money, sensitive data or digital identity: that is why we recommend that you do not use this folder as the only protection for those credentials (section 3.4).
6.1. To apply reasonable technical and organizational measures to protect the encrypted copy: end-to-end encryption, per-account isolation, database access control, no logging of content, and security review of changes.
6.2. Not to access, attempt to access or use the content of your entries, and not to hand it over to third parties. If an authority were to demand data, only the encrypted copy could be handed over, which Memo cannot open.
6.3. If it detects a security incident in its systems that affects your information, to investigate it, contain it, notify you without undue delay and, where applicable, inform the competent authority within the legal deadlines, stating what happened, what data may have been affected and what you can do (for example, change your passwords).
6.4. To notify you with reasonable advance notice of relevant changes to these terms, and to ask for your acceptance when the law requires it.
This section applies "to the maximum extent permitted by Chilean law" and must be read together with section 8.
7.1. Memo is not liable for losses, damages or unauthorized access arising from:
7.2. Memo is not liable for indirect or consequential damages, loss of profit, loss of opportunities, loss of data not backed up by you, or for moral damages, to the extent the law allows them to be excluded.
7.3. Cap. In cases where, despite the above, Memo were liable to you for this feature, its total liability will be limited, to the extent permitted by law, to the amount you paid Memo for the service in the 12 months before the event or, if the service were free, to [COMPLETAR: monto razonable en pesos, a definir con el abogado].
7.4. You acknowledge that these conditions were disclosed to you before you turned the feature on, and that they are part of the reasons why the feature is offered at this stage.
8.1. Nothing above excludes or limits Memo's liability for its own wilful misconduct or gross negligence, for the breach of the security measures that Memo promised in section 6, or for infringements of its legal data protection obligations.
8.2. Nothing limits the non-waivable rights that Chilean law grants you, including Law No. 19.496 on the Protection of Consumer Rights, and Law No. 19.628 (and its amendments, Law No. 21.719) on the protection of personal data. If any part of these terms is declared void or unenforceable, the rest will remain in force and that part will be applied in the way closest to its intent that the law allows.
9.1. You undertake to hold Memo harmless against claims by third parties arising from your having stored in the folder credentials or information belonging to others without authorization or for an unlawful purpose, or from your breach of these conditions, to the extent applicable under the law and without prejudice to section 8.
10.1. The processing of your data is governed by the Privacy Policy. As for this folder, the content of your entries is not readable by Memo; Memo processes only the encrypted copy and the technical data needed (account identifier, sizes, dates and the version of the terms you accepted) to provide the feature, sync it and demonstrate your acceptance.
10.2. You can exercise your rights (access, rectification, erasure, objection and portability, as applicable) through the contact channel. Since Memo cannot read your entries, you carry out the portability of the decrypted content yourself from the app.
11.1. You can delete your entire vault at any time from the folder. The encrypted copy will be erased from the active servers. The database provider's backup copies may retain it, still encrypted, for a limited period before its automatic deletion [COMPLETAR: plazo exacto, a confirmar con el proveedor].
11.2. If you delete your Memo account, your vault is deleted along with it.
11.3. Memo may suspend the feature or your access for reasons of security, unlawful use or serious breach of these terms, notifying you when possible.
12.1. Memo may update these terms. Relevant changes will be communicated in the app with reasonable advance notice and you will be asked for a new acceptance when the law or the nature of the change requires it. The accepted version and its date are recorded.
13.1. These terms are governed by the laws of the Republic of Chile.
13.2. For any dispute, and respecting the mandatory jurisdiction rules in favor of the consumer (Law No. 19.496, art. 50 A), the courts of [COMPLETAR: comuna/ciudad según el domicilio del responsable y la regla del consumidor; revisar con abogado] will have jurisdiction. Before going to court, we ask that you write to us to try to resolve it directly.
13.3. Responsible party and contact: Sebastián Zanca Ahumada, as an individual [COMPLETAR: RUT, domicilio]. Contact: sebastianzanca@gmail.com, or by WhatsApp to Memo.
The app must show this text and require an affirmative act (checkboxes unchecked by default) before generating your recovery key. The following is recorded: account identifier, version of these terms, date and time, and which checkboxes were ticked.
Before turning on "Passwords", confirm that you understand the following:
☐ My passwords are encrypted on my phone and Memo cannot read or recover them.
☐ If I lose my phone and my recovery key, I will not be able to recover my entries, and that loss is my responsibility.
☐ I am responsible for the information I store, for taking care of my phone, my passcode and my recovery key, and for not storing other people's credentials without authorization.
☐ No system is 100% secure. I use this feature at my own risk and will not use it as the only backup of my critical credentials.
☐ I am over 18 years old and I have read the Terms for the Passwords folder (link).
[Turn on Passwords] (enabled only when all the checkboxes are ticked)