Terms of Service

1. Acceptance of Terms

By accessing or using Borrow Buddy, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

2. Description of Service

Borrow Buddy is a web application that helps users track money they have lent to others, split bills, and record borrowed items. We provide tools to manage and organize these transactions but are not a financial institution or payment processor.

3. Account Registration

To use Borrow Buddy, you must:

• Be at least 13 years old
• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

4. Acceptable Use

You agree not to:

• Use the service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Harass, abuse, or harm other users
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Upload malicious code or viruses
• Use the service to track illegal transactions

5. Service Plans and Payment

Free Plan

Our free plan includes basic features with limitations on the number of active loans and data retention period.

Paid Plans

Paid plans offer additional features and are billed monthly. By subscribing to a paid plan, you:

• Authorize us to charge your payment method monthly
• Agree to pay all applicable fees
• Understand that prices may change with 30 days notice

Cancellation

You may cancel your subscription at any time. Upon cancellation, you will continue to have access until the end of your current billing period.

6. Data and Content

You retain ownership of all data you input into Borrow Buddy. By using our service, you grant us a license to store, process, and display your data as necessary to provide the service.

We are not responsible for the accuracy, completeness, or legality of user-generated content.

7. Privacy

Your use of Borrow Buddy is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use your information.

8. Disclaimers

Borrow Buddy is provided "as is" without warranties of any kind. We do not guarantee that:

• The service will be uninterrupted or error-free
• Defects will be corrected
• The service is free of viruses or harmful components

We are not a debt collection agency and do not provide legal or financial advice. The service is for informational and organizational purposes only.

9. Limitation of Liability

To the maximum extent permitted by law, Borrow Buddy shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the service.

10. Indemnification

You agree to indemnify and hold harmless Borrow Buddy, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the service or violation of these terms.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through the service. Continued use after changes constitutes acceptance of the new terms.

12. Termination

We may terminate or suspend your account at any time for violation of these terms or for any other reason. Upon termination, your right to use the service will immediately cease.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

14. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: [email protected]
Address: Borrow Buddy, Inc.
[Your Address Here]