Terms of Service
Last updated: [DATE]
This is a starting template, not legal advice. Replace the bracketed placeholders and have a lawyer review this before launching commercially — requirements vary by jurisdiction and by what you actually do with user data (e.g. Telegram messaging, location data for the trip planner, payments).
1. Acceptance of terms
By creating an account or using [PRODUCT NAME] ("the Service"), operated by [COMPANY NAME] ("we", "us"), you agree to these Terms of Service. If you do not agree, do not use the Service.
2. The Service
The Service lets you track shared expenses, compute balances between group members, and record settlements. Balance and settlement suggestions are calculated from data you and other members enter; we are not a party to any payment and do not guarantee any member will actually pay what they owe.
3. Accounts
You are responsible for the accuracy of information you submit and for safeguarding your account credentials. You must be old enough to form a binding contract in your jurisdiction to use the Service.
4. Acceptable use
Don't use the Service to harass others, upload unlawful content, attempt to access another user's data without authorization, or interfere with the Service's operation.
5. Your content
You retain ownership of the expense data, receipt photos, and notes you upload. You grant us a license to store and display that content to the group members you share it with, solely to operate the Service.
6. Paid plans
[If/when a paid Pro tier is enabled: describe billing terms, renewal, refunds, and how to cancel here.]
7. Termination
You may delete your account at any time from your account settings. We may suspend or terminate accounts that violate these terms.
8. Disclaimers & liability
The Service is provided "as is" without warranties of any kind. To the maximum extent permitted by law, [COMPANY NAME] is not liable for indirect, incidental, or consequential damages arising from your use of the Service, including disputes over money owed between users.
9. Changes
We may update these terms; continued use after changes take effect means you accept the updated terms.
10. Contact
Questions about these terms: [CONTACT EMAIL].