Date of last update: September 2026
Welcome to Contablika, a technology platform operated by ETYALAB, S.A., a company incorporated under the laws of the Republic of Panama.
These Terms and Conditions of Use (hereinafter, the “Terms”) govern access to and use of the website https://contablika.com/ , the Contablika platform, its applications, SaaS services, modules, functionalities, integrations, plugins, add-ons, and other related services (collectively, the “Service”).
By creating an account, purchasing a plan, or accessing or using the Service, the user declares having read, understood, and accepted these Terms, as well as the Privacy Policy and any other applicable policies.
If the user does not agree with these Terms, they must refrain from using the Service.
For the purposes of these Terms:
To use certain features of Contablika, it will be necessary to create an account.
The User agrees to provide accurate, up-to-date, and complete information during the registration process and to keep such information up to date.
The User may not:
Contablika may request additional information when reasonably necessary to verify an account, prevent fraud, protect the security of the Service, or comply with legal obligations.
Contablika offers various subscription plans designed for independent accountants, accounting firms, and other organizations.
Each plan provides access to specific features, limits, capabilities, and services.
The available plans, along with their features, limits, and pricing, will be published on Contablika’s official channels and may be updated periodically.
Contablika may offer free plans, demonstrations, promotional periods, or free trials subject to specific conditions.
Paid plans are billed in advance according to the selected billing cycle.
The User may request or make changes to their plan. Unless expressly stated otherwise, any plan change will take effect in accordance with the terms shown to the User at the time the change is made.
Contablika may modify, add, or remove features from certain plans as part of the product’s evolution, while endeavoring not to unreasonably affect the essential features of services already contracted.
Contablika may offer add-ons, modules, and additional functionalities—hereinafter referred to as “Add-ons”—that allow for the expansion of the platform’s capabilities.
The Add-ons:
The prices, features, and conditions of the applicable add-ons will be displayed prior to purchase.
The applicable prices shall be those in effect and communicated to the User at the time of contracting or renewing a Service.
Payments for plans and add-ons may be processed via credit card, debit card, or other payment methods enabled by Contablika.
The User authorizes recurring charges for the plan, add-ons, and other contracted services, in accordance with the selected billing cycle.
The User is responsible for maintaining a valid and up-to-date payment method.
The processing of cards or other financial instruments may be handled directly by specialized payment service providers. Contablika may not directly store full payment card information.
If a charge cannot be processed, Contablika may make automatic retry attempts and notify the Administrator.
Applicable taxes, fees, or government charges will be applied in accordance with current legislation.
Unless expressly stated otherwise, paid subscriptions may automatically renew at the end of each contracted period.
The User may prevent future renewal by cancelling the subscription before the date corresponding to the next billing period.
The Administrator may cancel the subscription in accordance with the mechanisms enabled on the platform.
When a subscription is cancelled:
It is the User’s responsibility to timely export or back up any information they wish to retain before the corresponding access period ends.
Payments made to Contablika shall not be refundable, except when:
All requests are subject to review.
When a refund is approved, it may be issued via the same method used for the original payment or through another mechanism reasonably determined by Contablika.
The granting of a refund on an exceptional basis does not obligate Contablika to grant similar refunds in other cases.
When Contablika is unable to process the corresponding payments after the established attempts, it may suspend the account in whole or in part.
During the suspension:
To reactivate the account, the Administrator must settle outstanding payments or update the payment method, as applicable.
The temporary retention of information during a suspension does not constitute an obligation for indefinite storage.
The User agrees to use Contablika solely for legitimate purposes and in accordance with applicable law.
The following is expressly prohibited:
Contablika may limit, suspend, or terminate access when it reasonably considers that there is a violation of this section or a risk to the security of the platform or third parties.
The User is responsible for:
The Administrator shall be responsible for the use of the account by the Users they have authorized.
The credentials used to access Contablika are personal and must be kept confidential.
The User must take reasonable measures to protect their passwords and credentials.
The User must notify Contablika as soon as reasonably possible upon becoming aware or suspecting:
Contablika may require a change of credentials, terminate active sessions, temporarily block access, or implement other security measures upon detecting unusual activity or if there is a reasonable suspicion of account compromise.
Actions performed using valid credentials may be presumed to have been carried out by the corresponding User, barring reasonable evidence of compromise or unauthorized access.
Contablika allows Users to store and manage information regarding their own clients, collaborators, suppliers, or other third parties.
When a User enters third-party information into Contablika, they declare that they possess the necessary authorizations, legal grounds, or authority to collect, use, store, and process such information.
The User shall be responsible for determining:
Contablika provides the technological infrastructure necessary to process such information in accordance with the instructions and configurations established by the User, without prejudice to any processing activities of its own that are necessary to legitimately operate, secure, administer, and improve the Service.
Contablika will process personal data in accordance with applicable personal data protection legislation, including, where applicable, Law 81 of March 26, 2019, of the Republic of Panama and its implementing regulations.
The processing of personal data shall also be governed by Contablika’s Privacy Policy, which forms a complementary part of these Terms.
Depending on the nature of the data and the processing performed, Contablika may act as the data controller with respect to certain data necessary to manage its business relationships, and as a technology provider or data processor with respect to information managed by its Users.
Contablika will treat as confidential any non-public information that Users store or process using the Service.
Contablika will use such information solely to:
Internal access to confidential information shall be reasonably limited to personnel, contractors, or suppliers who require such access to perform functions related to the Service and who are subject to confidentiality obligations.
Information shall not be considered confidential if it:
Contablika will implement reasonable administrative, technical, and organizational measures designed to protect the confidentiality, integrity, and availabilityof the information processed through the Service.
Depending on the nature of the Service and the technology used, these measures may include:
Security measures may evolve as technologies, risks, industry practices, and platform needs change.
No system connected to the Internet can guarantee absolute security. Consequently, Contablika does not guarantee that the Service is completely free from risks, vulnerabilities, attacks, errors, or incidents.
This provision does not limit the legal obligations applicable to Contablika.
To protect the Service, prevent fraud, investigate incidents, provide support, conduct audits, and diagnose technical issues, Contablika may generate and retain certain records related to system usage.
These records may include, as applicable:
The retention and use of said records shall be carried out in accordance with the relevant legitimate purposes and the Privacy Policy.
When Contablika becomes aware of a security incident that may compromise information under its control, it may take the measures reasonably necessary to:
Users agree to reasonably cooperate when a security incident involves their accounts, users, devices, integrations, or credentials.
Contablika may temporarily limit functionality or access when necessary to contain or investigate a potential security incident.
Contablika may maintain backup and recovery procedures designed to support the operational continuity of the Service.
Backups are part of internal continuity and recovery measures and do not constitute a standalone permanent archiving service for the User.
Recovery of individual documents, records, or data deleted by a User is not guaranteed.
The User is responsible for retaining, by their own means, any documents or records that must be preserved under applicable laws, regulations, professional standards, or their organization’s internal policies.
Contablika may retain information while the account remains active and for such additional periods as are reasonably necessary to:
Following the applicable retention periods, information may be deleted, anonymized, or overwritten in accordance with Contablika’s technical procedures.
Certain data may temporarily remain in backups until overwritten in accordance with the corresponding standard retention cycles.
Contablika may establish specific timeframes for exporting information following the cancellation of an account and communicate them to the User via the platform or appropriate channels.
Contablika may use third-party providers to deliver certain components of the Service, including, among others:
These providers may have limited access to information solely to the extent necessary to provide their respective services.
Contablika will endeavor to select providers that maintain reasonable standards of information security and protection.
Due to the nature of technology and cloud computing services, certain information may be stored, transmitted, or processed using infrastructure located outside the Republic of Panama.
Where applicable, such transfers or processing activities will be carried out in accordance with relevant legislation and appropriate legal, contractual, and technical safeguards.
The User acknowledges that certain global technology providers operate infrastructure that is distributed internationally.
Contablika may interoperate or integrate with products, services, APIs, platforms, websites, or systems operated by third parties.
The use of third-party services may be subject to the terms, privacy policies, and conditions established by such third parties.
Unless expressly stated otherwise, Contablika does not control or guarantee:
Contablika may modify, suspend, or remove an integration when its provider modifies or discontinues it, if a security risk exists, or if it becomes technically necessary.
Contablika will use commercially reasonable efforts to keep the Service available.
However, the Service may experience interruptions due to:
Contablika may modify or update functionalities as part of the product’s normal evolution.
Whenever reasonably possible, Contablika will endeavor to minimize the impact of significant maintenance on its Users.
Unless there is a formal service level agreement in writing, these Terms do not constitute a guarantee of uninterrupted availability nor do they establish a specific uptime percentage.
Contablika is a technological tool designed to facilitate organization, administration, tracking, automation, and management processes related to accounting, tax, administrative, and business activities.
Contablika does not replace the professional judgment of an accountant, tax advisor, lawyer, auditor, or other professional.
Information, reminders, calendars, reports, calculations, templates, automations, or other results generated through the Service must be reviewed by the User where appropriate.
The User shall be responsible for:
The use of Contablika does not constitute accounting, tax, financial, legal, or regulatory advice provided by ETYALAB, S.A.
The User retains all rights to the information and documents uploaded to the platform.
By using Contablika, the User grants Contablika the necessary technical authorizations to store, copy, transmit, process, and display such information solely to the extent required to provide, maintain, protect, and improve the Service in accordance with these Terms and the Privacy Policy.
The User represents that they have the right to use and process all content uploaded to the platform.
Contablika does not acquire ownership of the User’s accounting, tax, commercial, or personal documents simply because they are stored via the Service.
All intellectual property rights related to Contablika belong to ETYALAB, S.A. or its respective licensors.
This includes, among other things:
Contracting the Service does not entail a transfer of intellectual property.
The User is granted solely a limited, revocable, non-exclusive, non-sublicensable, and non-transferable right to use Contablika during the period in which they have the right to access the Service.
When a User voluntarily provides ideas, suggestions, comments, or recommendations regarding improvements to the Service, Contablika may use them to develop or improve its products without automatically incurring financial obligations, royalties, or property rights in favor of the User.
This provision does not grant Contablika rights to confidential information, documents, or data belonging to the User.
Contablika may suspend or terminate an account, in whole or in part, when:
When circumstances permit, Contablika will endeavor to provide notice and a reasonable opportunity to remedy the non-compliance.
However, it may take immediate action in the event of an urgent risk involving security, fraud, illicit activity, or harm to third parties.
To the maximum extent permitted by applicable law, Contablika and ETYALAB, S.A. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, arising from the use of or inability to use the Service.
Without limiting the foregoing, Contablika shall not be liable for losses arising from:
Where applicable law permits the contractual limitation of liability, Contablika’s aggregate liability arising from a claim related to the Service shall not exceed the amount actually paid by the User to Contablika for the Service during the twelve (12) months immediately preceding the event giving rise to the claim.
If the User uses only a free plan, liability shall be limited to the maximum extent permitted by applicable law.
The foregoing limitations shall not apply where a mandatory legal provision prohibits such exclusion or limitation.
To the fullest extent permitted by applicable law, the User agrees to indemnify and hold harmless Contablika and ETYALAB, S.A. against third-party claims arising directly from:
This provision shall not apply to claims directly caused by actions attributable to Contablika.
Contablika shall not be liable for delays or failures to perform caused by circumstances beyond its reasonable control, including, among others:
The User agrees to receive communications related to the Service via:
These communications may include notices related to:
Commercial communications will be managed in accordance with the User’s preferences and applicable legislation.
Contablika may modify these Terms to reflect:
The updated version will be published, indicating the corresponding date.
In the event of material changes, Contablika may make reasonable efforts to notify users via email, the platform, or another appropriate channel.
Continued use of the Service following the effective date of the modifications will constitute acceptance of the new Terms, where permitted by applicable law.
Provisions that, by their nature, are intended to remain in effect after the termination of the contractual relationship shall continue to apply.
This includes, among others, provisions relating to:
If any provision of these Terms is declared invalid, illegal, or unenforceable, such provision shall be interpreted or limited to the minimum extent necessary to make it valid, where possible.
The invalidity of one provision shall not affect the validity of the remaining provisions.
The fact that Contablika does not immediately exercise a right provided for in these Terms shall not constitute a waiver of such right.
The User may not assign or transfer their rights or obligations arising from these Terms without Contablika’s prior authorization.
Contablika may assign the rights and obligations arising from these Terms as part of a corporate reorganization, merger, acquisition, asset transfer, or similar transaction, subject to applicable legal obligations.
These Terms, together with the Privacy Policy, the commercial terms applicable to the contracted plan, and any specific agreement expressly accepted by the parties, constitute the agreement governing the use of the Service.
In the event of a specific corporate contract signed between Contablika and a client containing provisions that conflict with these Terms, the terms of the specific contract shall prevail regarding the matters expressly regulated therein.
These Terms shall be governed by and construed in accordance with the laws of the Republic of Panama.
Unless otherwise provided by mandatory law, any dispute arising from these Terms or related to the use of the Service shall be submitted to the competent courts of the Republic of Panama.
For inquiries regarding these Terms, privacy, security, or the Service, the User may contact Contablika via the official channels published at:
ETYALAB, S.A.
Republic of Panama
For requests regarding personal data, the mechanisms established in Contablika’s Privacy Policy may also be used.