Terms of Service
Version 0.1 (draft outline) - effective date not set. Previous versions
1. Who we are
The legal entity, its registered address and registration number. [step 29]
2. The service
A hosted application for household books and shared trip expenses. Accounts are created by invitation today; self-registration is a later step. Nothing is installed by the customer.
3. Eligibility
18 and over only. The application takes an 18+ confirmation at account creation.
4. Accounts and security
One person per account. Household owners and administrators must keep a second factor. What we do if an account is misused (see acceptable use). The application is the only authentication gate; every financial write is recorded in an append-only audit trail.
5. Plans and payment
Added when paid plans switch on. Seller of record and payment route [D1]; prices [D3]; the refund policy is a separate document.
6. Acceptable use
By reference to the acceptable use page.
7. Your content
Receipts, names and records you enter are yours; we process them to run the service. Financial records are voided and corrected, never edited, and the audit trail of them is never deleted.
8. Other people's data you enter
Names and email addresses of people you invite, and names and dates of birth of dependents you add. The customer's responsibility to have the right to enter them.
9. Availability and changes
No uptime promise unless the owner makes one. Maintenance windows; the right to change features with notice.
10. Termination
By the customer: delete the account in the application (see data requests for what stays). By us: for breach, with notice where the law requires it.
11. Liability and disclaimers
Counsel's text. The product gives no financial advice and is a record-keeping tool.
12. Governing law and disputes
Counsel's text, following the entity's jurisdiction. [step 29]
13. Changes to these terms
Versioned; notice before a new version takes effect; the version accepted is recorded against the account; continued use after the effective date.