Terms of Service

§1. General Provisions

1. These Terms of Service (the "Terms") govern the use of the "Let's Settle Up!" application (the "App").
2. The App is operated by its creator, a natural person residing in Poland (the "Operator"). Contact: michal.salwin@gmail.com.
3. The App is available as a mobile application (Android) and a web application (PWA) at letssettleup.com.
4. By using the App, the User accepts these Terms.

§2. Definitions

• Operator — the creator and operator of the App, as identified in §1.
• User — a natural person using the App, holding an account.
• Consumer — a User who uses the App for purposes not directly related to their business or professional activity.
• Account — a set of resources and permissions assigned to a User after registration.
• Group — a collection of Users sharing expenses within the App.
• Premium — a paid feature unlocking increased usage limits (see §6).
• Demo Mode — a local, account-free preview of the App with sample data.

§3. Scope of Services

1. The App enables:
   • creating Groups for shared expense tracking,
   • adding, editing, and deleting expenses,
   • automatic balance calculation and suggested transfers,
   • confirming settlements between Group members,
   • browsing activity history,
   • receiving push notifications about Group events (optional, configurable in the App settings),
   • using Demo Mode without registration (data stored locally only),
   • optional submission of anonymous diagnostic reports (Firebase Crashlytics — opt-in, see Privacy Policy).
2. The App is solely a tool for recording and tracking expenses. It is not a payment service and does not facilitate the transfer of funds between Users.

§4. Conditions of Use

1. Using the App requires an Account (email/password registration or Google sign-in). Demo Mode does not require an Account.
2. The User agrees to:
   • provide truthful information,
   • not submit unlawful content,
   • not abuse the service (e.g., creating fictitious Groups or expenses to disrupt its operation),
   • not interfere with the App's technical operation.
3. Technical requirements:
   • a device running Android 5.0+ or a current web browser (Chrome, Firefox, Safari, Edge),
   • an internet connection.
4. The minimum age for using the App is 16 years, in line with Google Play age rating and Article 8 GDPR.

§5. User Account

1. Account registration is voluntary and free of charge.
2. The User may delete their Account at any time directly in the App (Profile → Delete Account) or by contacting michal.salwin@gmail.com.
3. Upon Account deletion, the User's personal data are anonymised (the User is replaced by an anonymous "Deleted User" placeholder in shared Group history) so that data integrity for remaining Group members is preserved. Personal identifiers (email, name) are removed within 30 days. Details: see Privacy Policy.
4. The Operator reserves the right to block an Account that materially violates these Terms, after prior notice (where feasible) and with the opportunity to remedy the breach.

§6. Premium / Paid Features

1. The App offers an optional one-time Premium purchase, which lifts the free-tier limit on the number of Groups.
2. Payments are processed by Google LLC via Google Play Billing. The Operator does not directly process card or payment data.
3. The current price is shown in the App at the time of purchase. The contract for the paid feature is concluded at the moment the purchase is confirmed via Google Play.
4. Refunds are handled in accordance with Google Play policy (in particular, the 48-hour automatic refund window) and may be requested via Google Play support.
5. Right of withdrawal (Consumers) — important: Premium is digital content delivered immediately upon purchase. By confirming the purchase, the Consumer expressly consents to immediate performance and acknowledges the loss of the statutory 14-day right of withdrawal, in accordance with Article 38(13) of the Polish Act on Consumer Rights (implementing Article 16(m) of Directive 2011/83/EU). This does not affect rights under Google Play refund policy or rights under defects/non-conformity rules.
6. Premium is tied to the Google account used at purchase and is non-transferable.

§7. Groups and Data

1. Users can create Groups and invite others using an invite code.
2. The Group owner (creator) has administrator privileges, including: granting/revoking admin rights, removing members, and deleting the Group.
3. Deleting a Group permanently removes all expenses and settlements within that Group from active storage. Some references may persist in anonymised form for data-integrity reasons (see Privacy Policy).
4. Expense data within a Group is visible to all members of that Group.

§8. Liability

1. The Operator makes every effort to ensure the App functions correctly but does not guarantee uninterrupted availability.
2. To the fullest extent permitted by applicable law, the Operator is not liable for:
   • the accuracy of settlements between Users — the App is a record-keeping tool,
   • data loss resulting from force majeure or failures of external services (Firebase / Google Cloud),
   • User actions that violate these Terms.
3. Consumers: Nothing in these Terms limits or excludes the Operator's liability for intentional misconduct or gross negligence, nor any liability that cannot be limited or excluded under mandatory provisions of applicable consumer-protection law.

§9. Complaints and Dispute Resolution

1. Complaints regarding the App may be submitted to: michal.salwin@gmail.com.
2. A complaint should include: a description of the issue and the email address associated with the Account.
3. The Operator will review the complaint within 14 days of receipt and notify the User of the outcome by email.
4. Out-of-court dispute resolution (Consumers): A Consumer may also use the EU online dispute resolution platform (ODR) at ec.europa.eu/consumers/odr. In Poland, a Consumer may also seek assistance from a municipal/county Consumer Ombudsman or the Trade Inspection (Wojewódzki Inspektor Inspekcji Handlowej).

§10. Personal Data Protection

The rules governing the processing of personal data are described in the Privacy Policy, which forms an integral part of these Terms.

§11. Reporting Unlawful Content

If you believe content within the App (e.g., a Group or expense name) is unlawful, please send a notice to michal.salwin@gmail.com with: identification of the content, your contact details, and the reason for the notice. The Operator will act on duly substantiated notices in accordance with Regulation (EU) 2022/2065 (Digital Services Act).

§12. Amendments

1. The Operator may amend these Terms for valid reasons, including: changes to applicable law, changes to the App's functionality, changes to payment terms or third-party services, or to address security concerns.
2. Users will be notified of changes via an in-app notification and/or email at least 14 days before the changes take effect.
3. A Consumer who does not accept the changes may terminate their use of the App and delete their Account within the notice period, free of charge. Continued use of the App after the effective date constitutes acceptance of the amended Terms.

§13. Changes to Functionality and Discontinuation of the Service

1. The Operator reserves the right to freely modify the App's functionality, including changing or reducing the scope of features available free of charge, without giving reasons.
2. The Operator reserves the right to discontinue the service (shut down the App) at any time and without giving reasons.
3. Consumers will be notified of discontinuation of the service or material reduction of free features at least 14 days in advance (in-app notification and/or email). §12(2)-(3) applies accordingly.
4. This section does not affect the Consumer's rights under mandatory legal provisions, including any entitlements under the Google Play refund policy with respect to the Premium feature (§6).
5. The App is developed and maintained by an individual. Decisions to limit the scope of features available free of charge or to discontinue the service may result from unforeseen circumstances (including changes by third-party providers, technical reasons, or personal circumstances) or from a situation in which the costs of maintaining the infrastructure exceed the revenue from voluntary donations and Premium sales. The Operator will aim to inform Users of such decisions as early as reasonably possible.

§14. Final Provisions

1. These Terms are governed by Polish law. The choice of law does not deprive a Consumer of the protection granted by mandatory provisions of the law of the Consumer's country of habitual residence (Article 6 of Regulation (EC) No 593/2008 — Rome I).
2. Disputes with a Consumer shall be resolved by the court having jurisdiction under generally applicable rules (in particular, the court of the Consumer's place of residence). Disputes with non-Consumers shall be resolved by the court having jurisdiction over the Operator's place of residence.
3. If any provision of these Terms is found to be invalid, the remaining provisions remain in force.
4. These Terms take effect on May 26, 2026 and replace the previous version dated May 23, 2026.

Last updated: May 26, 2026