Terms of Service

Welcome to Espensa! These Terms of Service ("Terms") govern your access to and use of the Espensa expense sharing and tracking application ("App" or "Service") operated by us ("we," "us," or "our"). Please read these Terms carefully before using our App.

1. Acceptance of Terms

By downloading, installing, accessing, or using the Espensa App, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not use the App.

We reserve the right to modify these Terms at any time. We will notify you of any material changes by updating the "Last Updated" date at the top of this page. Your continued use of the App after such modifications constitutes your acceptance of the updated Terms.

2. Eligibility and Account Registration

2.1 Age Requirement

You must be at least 13 years old to use the App. If you are under 18, you represent that you have your parent's or guardian's permission to use the App and that they have agreed to these Terms on your behalf.

2.2 Account Creation

To use certain features of the App, you must create an account by providing:

• A valid email address
• A secure password
• Your name or display name

2.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring that your account information is accurate and up-to-date

We are not liable for any loss or damage arising from your failure to comply with these security obligations.

3. Description of Service

Espensa is an expense sharing and tracking application that allows users to:

• Create and manage expense records
• Split expenses with friends using various methods (equal, unequal, percentage, shares, or item-based)
• Create and manage groups for collaborative expense tracking
• Track balances between users
• Settle expenses through various payment methods
• Export expense data
• Access expense analytics and insights

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice, and without liability to you.

4. User Responsibilities and Acceptable Use

4.1 Acceptable Use

You agree to use the App only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the App for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Infringe upon the rights of others, including intellectual property rights
• Transmit any viruses, malware, or harmful code
• Attempt to gain unauthorized access to the App or its related systems
• Interfere with or disrupt the App's operation or servers
• Use automated systems (bots, scrapers) to access the App without permission
• Impersonate any person or entity or misrepresent your affiliation
• Harass, abuse, or harm other users
• Collect or store personal data about other users without their consent
• Use the App to facilitate any fraudulent or deceptive activities

4.2 Content Responsibility

You are solely responsible for:

• All content, data, and information you submit, upload, or transmit through the App
• Ensuring the accuracy of expense data you enter
• Obtaining necessary permissions from other users before adding them to expenses or groups
• Resolving disputes with other users regarding expenses and settlements

4.3 Expense Data Accuracy

5. Financial Transactions and Settlements

5.1 No Payment Processing

Espensa does NOT process payments or handle financial transactions. The App only tracks expenses and balances between users. Any actual payments between users are made through third-party payment services (Venmo, PayPal, Cash App, Zelle, etc.) at your own discretion and risk.

5.2 Settlement Responsibility

You are solely responsible for:

• All financial transactions and settlements with other users
• Verifying the accuracy of balances before settling
• Ensuring you have proper authorization before making payments
• Resolving any disputes regarding payments or settlements

5.3 No Financial Guarantees

6. Intellectual Property Rights

6.1 Our Intellectual Property

The App, including its design, features, functionality, code, graphics, logos, and content, is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or create derivative works of the App
• Reverse engineer, decompile, or disassemble the App
• Remove or alter any copyright, trademark, or proprietary notices
• Use our trademarks or logos without our written permission

6.2 Your Content

You retain ownership of any content you submit to the App. However, by submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, display, and distribute your content solely for the purpose of providing and improving the Service.

6.3 User-Generated Content

You represent and warrant that any content you submit:

• Does not infringe upon any third-party rights
• Is not defamatory, obscene, or illegal
• Does not violate any applicable laws

7. Third-Party Services and Links

7.1 Third-Party Services

The App integrates with third-party services, including:

• Supabase: For backend services, database, and authentication
• Firebase: For analytics and push notifications
• Sentry: For error tracking
• Payment Services: Venmo, PayPal, Cash App, Zelle (for settlement references only)

7.2 Third-Party Terms

Your use of third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the practices, policies, or content of third-party services.

7.3 Third-Party Links

The App may contain links to third-party websites or services. We do not endorse or assume responsibility for any third-party content, products, or services. Your interactions with third parties are solely between you and the third party.

8. Service Availability and Modifications

8.1 Service Availability

We strive to provide reliable service but do not guarantee that the App will be:

• Available at all times or without interruption
• Free from errors, bugs, or defects
• Secure or free from viruses or harmful components
• Compatible with all devices or operating systems

8.2 Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time
• Change features, functionality, or user interface
• Impose limits on usage or storage
• Perform maintenance that may temporarily interrupt service

We will make reasonable efforts to notify you of significant changes, but we are not obligated to do so.

8.3 Offline Functionality

While the App offers offline functionality, we do not guarantee that all features will work offline or that data will sync correctly when connectivity is restored. You are responsible for ensuring you have adequate internet connectivity for full functionality.

9. Data and Privacy

9.1 Data Storage

Your data is stored on servers operated by third-party service providers (Supabase). We are not responsible for data loss, corruption, or security breaches that may occur on third-party servers.

9.2 Data Backup

While we make reasonable efforts to maintain data integrity, you are responsible for:

• Backing up your important data
• Exporting your data regularly using the App's export feature
• Maintaining copies of critical expense information

9.3 Privacy

Your use of the App is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the App, you consent to our data practices as described in the Privacy Policy.

10. Account Termination

10.1 Termination by You

You may delete your account at any time through the App settings. Upon account deletion:

• Your account and personal data will be permanently deleted
• All your expenses, groups, and friend relationships will be removed
• This action cannot be undone

10.2 Termination by Us

We reserve the right to suspend or terminate your account immediately, without notice, if you:

• Violate these Terms
• Engage in fraudulent, illegal, or harmful activities
• Abuse or misuse the Service
• Infringe upon the rights of others
• Fail to pay any fees (if applicable in the future)

10.3 Effect of Termination

Upon termination:

• Your right to use the App will immediately cease
• We may delete your account and data
• You remain responsible for any expenses or obligations incurred before termination

11. Disclaimers and Limitation of Liability

11.1 Service Provided "As Is"

11.2 Limitation of Liability

11.3 Maximum Liability

To the maximum extent permitted by law, our total liability for any claims arising from or related to the App shall not exceed the amount you paid us (if any) in the twelve (12) months preceding the claim, or $100, whichever is greater.

11.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless us, our officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the App
• Your violation of these Terms
• Your violation of any rights of another user or third party
• Any content you submit, post, or transmit through the App
• Any financial transactions or disputes between you and other users

13. Dispute Resolution

13.1 Informal Resolution

Before filing a formal claim, you agree to contact us at support@espensa.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days.

13.2 Binding Arbitration

If we cannot resolve the dispute informally, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

13.3 Arbitration Rules

The arbitration will be conducted by a single arbitrator in accordance with the rules of the American Arbitration Association (AAA) or similar arbitration organization. The arbitration will take place in New Jersey USA, and the laws of New Jersey USA will govern these Terms.

13.4 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of New Jersey USA, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in New Jersey USA.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Updating the "Last Updated" date at the top of this page
• Posting a notice in the App (if significant changes)
• Sending an email to your registered email address (for major changes)

Your continued use of the App after such modifications constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using the App and delete your account.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

18. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

19. Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign or transfer these Terms or our rights and obligations without restriction.

20. Contact Information

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