Last updated: [DATE — fill in before publishing]
⚠️ Important — read before publishing
This is a starting draft, not legal advice, and it has not been reviewed by an attorney. Before publishing this to real users, have a licensed attorney (ideally one familiar with consumer apps and, given this app tracks money owed between users, financial-adjacent products) review and adjust it for your specific business entity and jurisdiction, applicable law, and your actual data handling practices. Every bracketed placeholder needs a real value filled in first.
Welcome to Planance (the "App," "Service," "we," "us," or "our"). These Terms and Conditions ("Terms") are a legal agreement between you ("you" or "User") and [LEGAL ENTITY NAME], a [STATE/JURISDICTION] [LLC/Corporation/etc.] ("Company"), governing your access to and use of the Planance mobile application and any related services.
By creating an account, signing in, or otherwise using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.
You must be at least [13/16/18] years old to use the App. If you are under the age of majority in your jurisdiction, you may only use the App with the involvement and consent of a parent or legal guardian.
Planance is a consumer application that helps groups of people organize shared events and track shared expenses. Core functionality includes:
This is important, and central to what you're agreeing to: Planance calculates and displays who owes whom, and how much — it does not transmit, hold, process, or otherwise move money on your behalf. The App is not a payment processor, money transmitter, escrow service, or financial institution. Any actual payment between users happens entirely outside the App, through whatever means those users independently choose (cash, a third-party payment app, a bank transfer, or anything else). We have no visibility into, responsibility for, or ability to reverse, guarantee, or mediate any payment that does or doesn't happen between users.
To use most features of the App, you must create an account using either an email address and password, or by signing in with a supported third-party provider (currently Google). You agree to provide accurate, current, and complete information during registration, and to keep that information up to date.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at [SUPPORT EMAIL] if you become aware of any unauthorized use of your account.
Accounts are for individual use. You may not create an account on behalf of someone else without their knowledge and consent, or maintain more than one account for yourself without our permission.
You agree not to:
We reserve the right to suspend or terminate accounts that violate these Terms.
"User Content" means any information you submit to the App — event details, expense descriptions, receipt photos, attendee information, and similar. You retain ownership of your User Content. By submitting it, you grant us a limited, non-exclusive, worldwide license to host, store, process, and display that content solely as necessary to operate and provide the App to you and the other participants of any event you share content with (for example, so that other attendees of your event can see the expenses you've entered).
You are solely responsible for the accuracy of User Content you submit, including expense amounts, descriptions, and how they're assigned among attendees. We do not independently verify this information.
If you use the App's receipt-scanning feature, the photo you submit is processed by a third-party AI service to help extract itemized details. Don't submit a receipt photo that contains information you don't want processed this way.
The App integrates with third-party services, including Google (for sign-in) and email delivery providers (for notifications). Your use of those integrations is also subject to the respective third party's own terms and privacy practices, which we don't control. We are not responsible for the availability, accuracy, or practices of any third-party service.
The App itself — including its design, features, code, and branding — is owned by the Company and protected by applicable intellectual property laws. Except for the limited license to use the App as intended, these Terms do not grant you any rights to our trademarks, logos, or other brand assets.
Without limiting the above:
[This section, and any liability cap, needs jurisdiction-specific legal review — some jurisdictions don't allow certain limitations, and the appropriate cap amount is a business decision your attorney should help you make.]
Our collection and use of your personal information is described in our Privacy Policy [LINK — a separate document, not yet drafted here]. By using the App, you consent to the data practices described there. A real Privacy Policy is a separate, required piece of work from this Terms document, and should be drafted alongside it — it needs to accurately reflect what data the App actually collects (account/profile information, event and expense data, receipt photos if scanning is used) and how it's actually stored and processed, not a generic template.
We may modify or discontinue the App, or any part of it, at any time. We may also update these Terms from time to time; if we make material changes, we'll provide notice through the App or by other reasonable means before the changes take effect. Continuing to use the App after changes take effect constitutes acceptance of the updated Terms.
You may stop using the App and request account deletion at any time by contacting [SUPPORT EMAIL]. We may suspend or terminate your access to the App if you violate these Terms, or for any other reason at our discretion, with or without notice.
[These Terms are governed by the laws of [STATE/COUNTRY], without regard to its conflict-of-law principles. This is a placeholder — the right choice depends on where your business is actually formed and where your users are, and should be set with your attorney's input.]
Questions about these Terms can be sent to [SUPPORT EMAIL].