AYFI Terms of Use

Last updated: 14 October 2026 · Version: 2.0

These terms govern the use of AYFI on the web (app.ayfi.pro), in the Telegram Mini App and bot, and the purchase of its paid plans. By creating an account you accept them. If you do not agree, do not use the service.

1. Who provides the service

The service is provided by AYFI. You can write to us at hola@ayfi.pro.

2. What AYFI is and what it is not

AYFI is an information tool for people who pay tax in Spain. With it you can:

• record expenses and income, by hand or from a photo of a receipt, a PDF or a bank statement;
• see indicative estimates of Modelo 303 and Modelo 130 (the quarterly IVA and income tax forms), of Modelo 349 where it applies, and of the Renta (the annual income tax return);
• find out which forms apply to you and receive deadline reminders;
• download the record book in the format the Sede of the Agencia Tributaria imports, and an annual report as a PDF;
• keep a record of what you filed, with its receipt.

AYFI does not replace a tax adviser or a gestor. It does not assess your individual situation and it does not file returns: you, or someone you choose, file them in the Sede electrónica (the online office) of the Agencia Tributaria, the Spanish tax authority. AYFI does not ask for your digital certificate, your Cl@ve login or a power of representation, and it sends nothing to the Agencia Tributaria.

3. Your account

3.1. Sign-up

You can create an account with your email address and a password (and confirm the address through the link we send you), or by signing in with Telegram from the bot or the Mini App. To use the web version with an account created in Telegram, you must add an email address and confirm it with the code we send you. On the web you can also sign in with Telegram: the bot asks you to confirm the sign-in by choosing the number shown on screen.

Before you start, you accept the notice that AYFI is an information tool.

You must be 18 or over and give true information.

3.2. Account security

Keep your password and your Telegram access safe. You are responsible for what is done from your account. If the bot tells you about a sign-in on the web that you do not recognise, tap "It wasn't me: sign out everywhere", which closes every session on your account, or write to us at hola@ayfi.pro.

3.3. Acceptable use

You must not:

• enter other people's data without being authorised to do so;
• use AYFI to commit fraud or for any unlawful activity;
• try to access other people's accounts or data, get around the service's limits or overload it;
• access the service with automated programs other than the app itself and the bot;
• resell access.

If you breach these terms, we may block your account.

4. Plans and prices

• Looking again, within the same month, at a period already calculated does not count as a new calculation.
• Each document may be up to 10 MB (a PDF, up to 20 pages), and up to 30 can be uploaded per hour.
• Every plan includes deadline reminders, the record book, the filing record, and downloading and deleting your data.
• The free plan does not expire.

Prices are final: they include any applicable taxes and are the amount charged. In the Telegram Mini App, the price in Stars is shown before you pay.

5. Payment, renewal and cancellation

5.1. By card, on the web

Payments are processed by Stripe. The monthly or annual plan is a subscription that renews automatically at the end of each period, for the same amount, until you cancel it. You can cancel at any time in Settings, under "Manage subscription": cancellation takes effect at the end of the paid period, and you keep the plan until then. If a renewal fails, Stripe tries to collect the payment again and you keep the plan for 7 days.

5.2. With Telegram Stars, in the Mini App

A payment in Stars buys a period of 30 or 365 days, with no automatic renewal. If you pay again before it ends, the new period is added to the one you have. We remind you three days before it ends. If a payment cannot be applied to your account, it is refunded automatically.

5.3. When a paid plan ends

The account moves to the free plan. Your data is not deleted for that reason: it stays in your account until you delete it.

You can only have one paid plan active at a time.

6. Withdrawal and refunds

If you contract as a consumer, you have 14 calendar days to withdraw from the contract without giving a reason. Write to us at hola@ayfi.pro within 14 days of a payment, whether the first one or a renewal, and we will refund that payment in full by the same means you used to pay (card or Stars). With the refund, the plan ends and the account moves to the free plan.

After those 14 days we do not refund the current period, unless the law provides otherwise. You can always cancel so that the plan does not renew.

You may use the model form in the annex, but you don't have to: a message saying that you withdraw is enough.

7. Indicative information and your responsibility

• Calculations are based on the data you enter and on the tax rules AYFI has published on the date of the calculation. They may not reflect all your circumstances, every regional deduction or the most recent changes in the law.
• Reading receipts and PDFs can go wrong. Only what you confirm reaches your books: check every figure.
• Before filing, check the figures. You decide what to file and you answer for it to the Agencia Tributaria.
• If your situation is not straightforward, consult a professional.

If you spot a calculation error, tell us through "Something's not right" or at hola@ayfi.pro.

8. Availability and changes to the service

We work to keep AYFI available, but there may be interruptions for maintenance, faults or reasons beyond our control. We may improve, change or withdraw features. If a change reduces what your paid plan includes, we will tell you beforehand and you will be able to cancel.

9. Intellectual property and your data

The AYFI brand, software, design and texts of the service belong to AYFI or its licensors. You may not copy, modify or distribute them without permission.

Your data is yours. We use it only to provide the service to you, as explained in the Privacy Policy. You can download it at any time through "Download my data".

10. Liability

• AYFI is not liable for penalties, surcharges, interest or losses arising from what you file or fail to file, or from decisions taken on the basis of indicative calculations without checking them.
• AYFI is not liable for interruptions caused by third parties (for example, Telegram or the payment provider) or by force majeure.
• In any event, our total liability to you is limited to the amount you have paid us in the 12 months before the event giving rise to it.

These limitations do not apply to damage caused intentionally or through gross negligence, to personal injury, or to rights that the law grants consumers and that cannot be limited. Nor do they limit your rights if the service does not conform to the contract (arts. 114 et seq. TRLGDCU).

11. Closing your account

You can delete your account at any time through "Delete my account". It stops working immediately and is deleted entirely after 30 days; if you had a card subscription, it is cancelled. If we block an account for breach of these terms, you can write to us to ask for an explanation and to download your data.

12. Communications

We send you the messages the service needs (confirmations, codes, deadline and payment notices) by email or by Telegram, depending on how you use AYFI. Deadline reminders can be switched off in Settings. News and offers only reach you if you consent, and you can withdraw that consent in Settings.

13. Changes to these terms

We may change these terms. If the change is significant, we will tell you by email or in the app at least 30 days before it applies. If you do not agree, you can cancel your plan or delete your account before that date; if you continue to use AYFI afterwards, the new terms will apply.

14. Languages, governing law and complaints

These terms are available in Spanish, English, German, French, Italian, Romanian, Russian and Ukrainian. If the versions differ, the Spanish version prevails, unless another version is more favourable to you as a consumer.

These terms are governed by Spanish law. If you are a consumer, you can bring a claim before the courts of your place of residence and contact the consumer affairs services of your autonomous community. Before that, we ask you to write to us at hola@ayfi.pro so that we can try to resolve the matter.

If you are a consumer living in another EU country, you also keep the protection of the mandatory rules of your country (art. 6 of the Rome I Regulation).

Annex. Model withdrawal form

(complete and return this form only if you wish to withdraw from the contract)

• To: AYFI, hola@ayfi.pro
• I/We () hereby give notice that I/We () withdraw from my/our (*) contract for the provision of the following service: AYFI subscription, plan ______
• Ordered on / paid on (*): ______
• Name of consumer(s): ______
• Address of consumer(s): ______
• Signature of consumer(s) (only if this form is sent on paper)
• Date: ______

(*) Delete as appropriate.