Terms of Service

1. Acceptance of Terms

By accessing or using PaidUp ("Service", "App", "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.

These Terms constitute a legally binding agreement between you and PaidUp. We reserve the right to update these Terms at any time. Your continued use of the Service after changes constitutes acceptance of the updated Terms.

2. Description of Service

PaidUp is a bill-splitting platform that allows users to:

• Create and manage shared expenses with friends and groups
• Scan receipts using AI-powered optical character recognition
• Split bills equally or itemize specific items to specific people
• Track payments and outstanding balances
• Send payment requests through integrated payment platforms
• Manage recurring expenses and group memberships
• View analytics and export financial reports

Important: PaidUp is NOT a payment processor. We facilitate tracking and communication about shared expenses but do not process actual payments. All financial transactions occur through third-party payment platforms (Venmo, PayPal, Zelle, Cash App, etc.).

3. User Accounts

3.1 Account Creation

To use PaidUp, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

3.2 Account Eligibility

You must be at least 13 years old to use PaidUp. If you are under 18, you must have parental consent. By creating an account, you represent that you meet these requirements.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of the Service or other users
• Extended inactivity
• Any reason at our sole discretion

4. User Responsibilities

You agree to:

• Use the Service only for lawful purposes
• Not use the Service to harass, abuse, or harm others
• Not upload malicious code or attempt to compromise security
• Not impersonate others or create fake accounts
• Not scrape, data mine, or attempt to access non-public areas
• Not reverse engineer or attempt to extract source code
• Respect other users' privacy and personal information
• Accurately represent expenses and payment information
• Resolve disputes directly with other users in good faith

5. Subscription Plans and Billing

5.1 Plans

PaidUp offers two plans:

• Free: Unlimited expenses you add yourself, Your full history, with no time limit, Unlimited friends and groups, Recurring expenses, Export to CSV and PDF, 5 receipt scans a month, No ads. No charge.
• Pro: $29.99 a year, billed yearly. Everything in Free, Unlimited receipt scans, Currency conversion, Expensify export.

Subscribers on an earlier paid plan keep their access to Pro features for as long as that subscription stays active.

5.2 Billing

Pro is paid through the App Store on iPhone or through Stripe on the web.

• Subscriptions renew automatically unless cancelled
• You will be charged at the beginning of each billing cycle
• Prices are subject to change with 30 days notice
• No refunds for partial billing periods or unused features
• You can cancel anytime; access continues until period end

5.3 Usage Limits

The Free plan includes 5 receipt scans each month. Pro includes unlimited receipt scans.

6. Content and Intellectual Property

6.1 Your Content

You retain ownership of content you upload (receipts, notes, comments). By using PaidUp, you grant us a license to:

• Store, process, and display your content
• Use AI services to analyze receipts
• Share content with users you designate
• Create aggregated, anonymized analytics

6.2 Our Intellectual Property

PaidUp, including our logo, design, code, features, and documentation, is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or create derivative works
• Sell, resell, or commercialize the Service
• Use our trademarks without permission
• Remove copyright or proprietary notices

7. Third-Party Services

PaidUp integrates with third-party services:

• OpenAI: AI-powered receipt processing
• Supabase: Database and authentication
• Payment Apps: Venmo, PayPal, Cash App, Zelle (deep linking only)

Your use of these services is subject to their respective terms and privacy policies. We are not responsible for third-party services, their availability, or their actions.

8. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information. By using PaidUp, you consent to our data practices as described in the Privacy Policy.

9. Disclaimers and Limitations of Liability

9.1 Service "As Is"

PaidUp is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Uninterrupted or error-free operation
• Accuracy of AI-extracted receipt data
• Security of data transmission
• Resolution of user disputes

9.2 Not a Financial Service

PaidUp is NOT a financial institution, payment processor, or money transmitter. We do not:

• Process payments or hold funds
• Guarantee payment from other users
• Provide financial advice or services
• Act as an intermediary in disputes
• Verify the accuracy of expense information

9.3 Limitation of Liability

To the maximum extent permitted by law, PaidUp shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Disputes between users
• Unpaid balances or fraudulent transactions
• Errors in AI-processed receipt data
• Third-party service failures or downtime

Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

10. Indemnification

You agree to indemnify, defend, and hold harmless PaidUp, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Disputes with other users
• Content you upload or share

11. Dispute Resolution

11.1 User Disputes

PaidUp does not mediate disputes between users. You are solely responsible for resolving disagreements about payments, bill splits, or expenses with other users.

11.2 Disputes with PaidUp

Any disputes with PaidUp shall be resolved through binding arbitration, except where prohibited by law. You agree to:

• First attempt informal resolution by contacting support
• Arbitrate disputes individually (no class actions)
• Waive right to jury trial
• Follow arbitration rules of the American Arbitration Association

11.3 Small Claims Exception

Either party may bring claims in small claims court if they qualify.

12. Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles. Any legal action must be brought in the federal or state courts located in San Francisco, California.

13. Changes to Service

We reserve the right to:

• Modify or discontinue features without notice
• Change pricing with 30 days notice
• Update these Terms at any time
• Temporarily suspend the Service for maintenance

We will make reasonable efforts to notify users of significant changes.

14. Termination

Either party may terminate this agreement:

• You: By deleting your account at any time
• Us: By suspending or terminating your access with or without cause

Upon termination:

• Your right to use the Service immediately ceases
• You remain liable for any unpaid fees
• We may delete your data after a reasonable period
• Provisions that should survive termination remain in effect

15. Miscellaneous

15.1 Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and PaidUp regarding the Service.

15.2 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

15.3 No Waiver

Failure to enforce any provision does not waive our right to enforce it later.

15.4 Assignment

You may not assign these Terms. We may assign them to any successor or affiliate.

15.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

16. Contact Information

For questions about these Terms, contact us:

• Email: info@impactconsulting.ai
• Support: info@impactconsulting.ai
• General: info@impactconsulting.ai