Terms of Service

1. Acceptance of Terms

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

2. Description of Service

Owely is a mobile application that helps users track and split shared expenses with friends, family, and groups. The App allows you to:

• Create and join expense-sharing groups
• Record and track shared expenses
• Calculate balances and suggested settlements
• Communicate with group members about expenses

3. User Accounts

To use Owely, you must create an account using a valid email address. You are responsible for:

• Maintaining the confidentiality of your account
• All activities that occur under your account
• Providing accurate and complete information
• Notifying us immediately of any unauthorized use

4. Acceptable Use

You agree not to:

• Use the App for any illegal purpose
• Harass, abuse, or harm other users
• Attempt to gain unauthorized access to the App or its systems
• Upload malicious code or interfere with the App's functionality
• Use the App to collect user data without consent
• Impersonate another person or entity

5. Financial Information Disclaimer

Owely is a tool for tracking expenses and calculating balances. The App:

• Does not process actual financial transactions
• Does not provide financial, legal, or tax advice
• Is not responsible for the accuracy of user-entered data
• Does not guarantee the resolution of disputes between users

Users are solely responsible for verifying expense information and settling debts outside the App.

6. Intellectual Property

The App, including its design, features, and content, is owned by Owely and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express permission.

7. User Content

You retain ownership of content you submit to the App (expense descriptions, receipts, etc.). By submitting content, you grant Owely a license to use, store, and display this content as necessary to provide the service.

8. Termination

We may suspend or terminate your account at any time for violations of these terms. You may delete your account at any time through the App settings. Upon termination, your data will be deleted in accordance with our Privacy Policy.

9. Disclaimers

The App is provided "as is" without warranties of any kind. We do not guarantee that the App will be uninterrupted, error-free, or secure. Use of the App is at your own risk.

10. Limitation of Liability

To the maximum extent permitted by law, Owely shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App.

11. Changes to Terms

We may update these terms from time to time. We will notify users of significant changes through the App or via email. Continued use of the App after changes constitutes acceptance of the new terms.

12. Contact Us

If you have questions about these Terms of Service, please contact us at legal@owelyapp.com.