1. Acceptance of Terms

By accessing and using XpensePal ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

XpensePal is an expense management and splitting application that allows users to:

• Create and manage expense groups
• Track shared expenses among group members
• Calculate and manage debt settlements
• Generate expense reports and summaries
• Send invitations to join expense groups

3. User Accounts and Registration

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

4. User Conduct and Responsibilities

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Upload or transmit malicious code or harmful content
• Attempt to gain unauthorized access to the Service
• Interfere with or disrupt the Service or servers
• Use the Service to harass, abuse, or harm others

5. Financial Information and Accuracy

While we strive to provide accurate calculations and financial tools, you acknowledge that:

• All financial calculations are for informational purposes only
• You are responsible for verifying the accuracy of all financial data
• We are not liable for any financial decisions made based on our calculations
• You should consult with financial professionals for important financial decisions

6. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by XpensePal and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Limitation of Liability

In no event shall XpensePal, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

9. Disclaimers

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. XpensePal makes no warranties, expressed or implied, and hereby disclaims all warranties, including without limitation, warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which XpensePal operates, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: