Terms and Conditions

These Terms and Conditions ("Terms") form a binding legal agreement between you ("you", "your", or "User") and Even ("Even", "we", "us", or "our"), the operator of the Even mobile and web application (the "App" or the "Service").

When you first create an Account, you must actively indicate your agreement to these Terms (for example, by ticking a box or tapping an "I agree" button). By taking that action, and by accessing, downloading, installing, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, you must not access or use the Service.

Your continued use of the Service after any update to these Terms constitutes your acceptance of the updated Terms. Where required by applicable law, we will seek your renewed consent to material changes.

• "Account" means the registered account you create to access the Service.
• "Content" means any data, text, expense entries, titles, notes, comments, amounts, currencies, dates, images (including receipts and profile photos), member names, and other information you enter into, upload to, or generate through the Service.
• "Group" means a shared space within the App in which two or more people track expenses and record settlements among themselves.
• "Balance" or "Ledger" means the informational record, calculated by the Service, of amounts that Users have recorded as owed among themselves.
• "Settlement" or "Settle Up" means a record that you or another User creates in the App to note that a real-world payment is asserted to have occurred outside the App. Recording a Settlement does not mean Even has verified that any payment was actually made.
• "Third-Party Services" means services, software development kits, and infrastructure operated by parties other than Even, as described in Section 10.

To use the Service, you must:

1. Be at least eighteen (18) years of age, or the age of legal majority in your jurisdiction if higher; or, where permitted by applicable law, be at least sixteen (16) years of age and have the consent of a parent or legal guardian who agrees to be bound by these Terms on your behalf. In the European Union, the minimum age to consent to the processing of personal data may vary by member state (generally between 13 and 16); you must meet the applicable threshold in your country. In the Republic of the Philippines, minors may use the Service only with the consent and under the supervision of a parent or legal guardian.
2. Have the legal capacity to enter into a binding contract.
3. Not be barred from using the Service under any applicable law.

The Service is not directed to children below the applicable minimum age, and we do not knowingly collect personal information from them. If we learn that we have collected personal information from a person below the applicable minimum age without appropriate consent, we will delete it. If you believe a minor has provided us with personal information, please contact us at evenappofficial@gmail.com.

Even is a bill-splitting, expense-tracking, and debt-recording tool. The Service allows you to:

• Create and manage Groups and add members, including people who are not yet Even users ("placeholder" members);
• Record expenses and split them among members using several methods (equally, by itemized amounts, by shares, or by percentages), including named shared charges such as VAT, service, or tips;
• Track expenses in multiple currencies, with exchange rates provided for informational convenience only (see Section 5);
• Set up recurring expense rules;
• View calculated Balances showing who has recorded that they owe whom, and a suggested minimal set of payments to clear those recorded Balances;
• Record that a Settlement has taken place outside the App;
• Maintain one-to-one direct ledgers with friends, send and respond to friend requests, add comments, and view a Group activity feed;
• Manage your profile, including a display name and photo.

Even never holds, moves, processes, or settles money. It only keeps a record of amounts that Users choose to enter and of payments that Users say they have made to one another elsewhere. See Section 5, which governs the fundamental nature and limits of the Service.

The Service is designed to operate offline-first: your data is stored locally on your device and synchronized with our backend when you are online.

PLEASE READ THIS SECTION CAREFULLY. IT DEFINES THE FUNDAMENTAL NATURE AND LIMITS OF THE SERVICE.

Even is a record-keeping and ledger tool ONLY. Even does NOT, at any time and in any manner:

• hold, store, custody, or escrow any money or funds;
• transfer, send, receive, move, remit, or route any money or funds between you and any other person;
• process, facilitate, initiate, or settle any payment or financial transaction;
• issue, manage, or redeem electronic money, stored value, or any payment instrument;
• act as a bank, e-money issuer, payment processor, payment gateway, money transmitter, money-service business, remittance or transfer service, escrow agent, or financial institution of any kind.

Even is NOT a party to any debt, obligation, or transaction between Users. Even does not collect, store, or process any credit card, debit card, bank account, or other payment-account numbers, and does not connect to any payment network.

Because Even provides no payment, custody, settlement, remittance, or electronic-money service of any kind, Even does not operate as, and does not require authorization or licensing as, a money-service business, e-money issuer, or payment system operator under the regulations of the Bangko Sentral ng Pilipinas (BSP) or any comparable financial regulator. Nothing in the Service should be construed as the provision of a regulated payment or financial service.

All Balances, amounts, splits, exchange rates, and settlement suggestions displayed in the Service are informational records only. They reflect only what Users have chosen to enter and are not statements of account, invoices, demands for payment, or evidence of any completed transaction. As stated within the App itself, when you record a Settlement, "Even just records this so your balance updates — no money moves here."

All real-world payments between Users occur entirely outside the App, through means the Users arrange between themselves (for example, cash, bank transfer, GCash, or any other method). The "method" field you may attach to a recorded Settlement is a label for your own records only; it does not cause any payment to occur through Even.

You and the other Users are solely responsible for actually paying, collecting, and settling any amounts owed among yourselves. Even bears no responsibility whatsoever for any unpaid debt, disputed amount, incorrect entry, delayed payment, or failure by any User to pay or collect any amount. Recording a Settlement in the App does not mean that any payment has actually been made; it means only that a User asserted, for record-keeping purposes, that a payment occurred elsewhere. You must not treat any recorded Balance or Settlement as settled, guaranteed, or verified funds, and Even bears no liability arising from any User doing so.

Because no real-world payments occur within the Service, no in-app purchase or store-billing rules apply to payments Users make to one another.

6.1 Registration. To use the Service you must create an Account using an email address and password, or by signing in with Google Sign-In (Google OAuth). You agree to provide accurate, current, and complete information and to keep it up to date. Passwords are managed by our authentication provider and must meet minimum requirements shown in the App.

6.2 One account; your responsibility. You may maintain only one Account for yourself, and you must not share your Account, allow others to use it, or create multiple or duplicate Accounts, except with our prior written permission. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your Account. You agree to notify us promptly at evenappofficial@gmail.com of any unauthorized use or suspected breach of security. We are not liable for any loss arising from your failure to safeguard your credentials.

6.3 Google Sign-In. If you sign in using Google, your use of Google's authentication is also governed by Google's terms and privacy policy. We receive limited profile information (such as your email address, name, and profile photo) as described in our Privacy Policy.

6.4 Sessions and devices. Your session may be retained on your device to keep you signed in and to enable offline use. Signing out stops synchronization and clears synchronized data from that device.

7.1 Accuracy of the data you enter. You are solely responsible for the accuracy, completeness, and lawfulness of all Content you enter, including expense titles, amounts, currencies, dates, payers, splits, shared charges, recorded payments, and comments. Even does not verify, audit, or guarantee the accuracy of any Content, Balance, or calculation. Calculations are performed automatically from the data you and other members provide; incorrect input will produce incorrect results.

7.2 Settling real-world debts among yourselves. As set out in Section 5, you and the other members of your Groups are solely responsible for resolving and settling, off-platform, any actual amounts owed among yourselves. Even does not mediate, adjudicate, or enforce any debt or dispute.

7.3 Even is not responsible for unpaid debts. Even provides no guarantee, assurance, or collection service in respect of any amount recorded in the Service. Any dispute about who owes whom, how much, whether a payment was made, or whether an entry is correct is strictly between the Users involved.

7.4 Data about other people. When you add another person's name, email address, or other information to a Group, invite someone to join, or upload a receipt or image that contains another person's information, you represent and warrant that you have the right and, where required, the consent to provide that information and to have it processed and made visible to other members of the relevant Group. You acknowledge that, by design, your co-members in a shared Group can see Group content such as member names, expenses, splits, shared charges, recorded payments, comments, and activity, and may see profile details such as your display name, avatar, phone number, and time zone.

7.5 No professional advice. The Service does not provide financial, accounting, tax, legal, or investment advice. You should consult a qualified professional for such advice.

You agree that you will not, and will not permit anyone else to:

• use the Service for any unlawful, fraudulent, or deceptive purpose;
• use the Service to launder money, disguise the origin or nature of funds, evade taxes, or facilitate, record a pretense of, or disguise any illicit transaction;
• enter false, misleading, or fraudulent expense or payment records intended to deceive another User;
• harass, threaten, defame, abuse, or infringe the rights of any person, including through comments, member names, titles, or uploaded images;
• upload, store, or transmit any Content that is illegal, infringing, obscene, or that contains malware or malicious code;
• upload sensitive personal information (such as health, biometric, government-identifier, or financial-account data) into free-text fields, expense entries, or images;
• reverse-engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent this restriction is prohibited by applicable law;
• scrape, harvest, or systematically extract data from the Service, or access it by automated means not authorized by us;
• interfere with, disrupt, overload, or circumvent the security, synchronization, rate limits, access controls, or Row-Level Security of the Service or its infrastructure;
• attempt to gain unauthorized access to any account, Group, data, system, or network associated with the Service;
• use the Service in a way that violates the developer or user policies of Apple, Google, or any other platform through which the Service is distributed.

We may investigate and take appropriate action, including removing Content, suspending or terminating Accounts, and reporting to authorities, in response to any actual or suspected violation.

9.1 You own your Content. As between you and Even, you retain all ownership rights in the Content you create or provide. These Terms do not transfer any ownership of your Content to us.

9.2 License you grant to Even. You grant Even a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, synchronize, process, display, and back up your Content solely as necessary to operate, provide, maintain, and secure the Service for you and for the other members of your Groups as intended (for example, storing your data on our backend, synchronizing it to your and your co-members' devices, generating recurring-expense instances, delivering notifications, and displaying Content to authorized members). This license is limited to these purposes and ends when the relevant Content is deleted from the Service, except for residual copies retained in backups for a limited period and for records we are required or permitted to retain by law, and except to the extent Content must be preserved to maintain the integrity of shared Group records (see Section 14.2).

9.3 Content standards and takedown. You are responsible for your Content and its lawfulness. If you believe Content in the Service infringes your intellectual property or other rights, please send a written notice to evenappofficial@gmail.com (or, where applicable, to our designated agent at evenappofficial@gmail.com) that includes: (a) your physical or electronic signature; (b) identification of the work or right claimed to be infringed; (c) identification of the Content you claim is infringing and information reasonably sufficient to locate it; (d) your contact details; (e) a statement that you have a good-faith belief that the use is not authorized by the rights holder, its agent, or the law; and (f) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the rights holder or authorized to act on the rights holder's behalf. Where the affected User submits a valid counter-notice, we may restore the Content as permitted by applicable law. We may remove Content that we believe, in good faith, violates these Terms or applicable law, and we may terminate the Accounts of repeat infringers.

The Service relies on infrastructure and software provided by third parties, including:

• Supabase — authentication, database, backend API, and storage of your data, including avatar images;
• PowerSync — offline-first synchronization of your local database with our backend;
• Google (Google Sign-In / Google OAuth and Google APIs) — authentication and related sign-in functionality;
• Firebase Cloud Messaging (FCM) and, on iOS, Apple Push Notification service (APNs) — delivery of push notifications, where enabled;
• open.er-api.com — third-party public exchange-rate reference data, provided for convenience only.

Your use of these features may also be subject to the relevant third party's own terms and privacy policies. We do not control these Third-Party Services and are not responsible for their acts, omissions, availability, security, or performance. Exchange-rate reference data is obtained from a third-party public source and is provided for convenience only, without warranty of accuracy or timeliness.

Offline sync and data-loss caveats. The Service is offline-first and uses eventual consistency. Changes made offline are queued and uploaded when connectivity is restored, and conflicts are resolved automatically by the synchronization engine. As a result, edits may be reconciled in ways you did not expect, and data may in some circumstances be delayed, duplicated, overwritten, or lost. You are responsible for keeping your own independent records of any information important to you. Push notifications are optional and may not be delivered in all circumstances.

11.1 Availability. We aim to keep the Service available but do not guarantee that it will be uninterrupted, timely, secure, or error-free. We may modify, suspend, or discontinue all or part of the Service, temporarily or permanently, with or without notice, and without liability to you (see Section 15).

11.2 Disclaimer. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL CONTENT, BALANCES, CALCULATIONS, EXCHANGE RATES, AND OTHER OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR AVAILABILITY. For the avoidance of doubt, and consistent with Section 5, this disclaimer includes that Even provides no payment, custody, settlement, remittance, money-transmission, or electronic-money service of any kind, and gives no warranty that any recorded amount has been or will be paid. We do not warrant that the Service will meet your requirements, that any Balance or calculation is correct or complete, or that any defect will be corrected. No advice or information obtained from the Service creates any warranty not expressly stated in these Terms.

11.3 Consumer rights. Nothing in these Terms excludes, restricts, or modifies any warranty, guarantee, right, or remedy that you have under the Consumer Act of the Philippines or other applicable mandatory consumer-protection law that cannot lawfully be excluded. Where such law applies, the disclaimers in this Section apply only to the extent permitted by that law.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

12.1 Even, its officers, directors, employees, contractors, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages.

12.2 Without limiting Section 5 and Section 7, Even will not be liable for any unpaid, disputed, incorrect, or uncollected amount recorded in the Service, for any real-world payment or non-payment between Users, or for any dispute among Users about who owes whom. Because Even provides no payment, custody, or settlement service, Even bears no liability arising from any User treating a recorded Balance or Settlement as settled, guaranteed, or verified funds.

12.3 Even will not be liable for any loss arising from Content entered by you or other Users, from the acts or omissions of other Users, from Third-Party Services, or from data loss, delay, duplication, or corruption in synchronization.

12.4 To the extent Even is found liable notwithstanding the above, our total aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) the total amount you paid to Even for the Service in the twelve (12) months preceding the event giving rise to the liability (which, while the Service is offered free of charge, is zero), or (b) PHP 5,000.

12.5 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, for fraud, or for any liability that mandatory consumer-protection law in the Philippines, the European Union, or California does not permit to be excluded. Consumers retain all rights and remedies granted to them by such mandatory law.

You agree to indemnify, defend, and hold harmless Even and its officers, directors, employees, contractors, and suppliers from and against any claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

1. your Content, including any information you enter about other people and any receipt or image you upload;
2. your breach of these Terms or of any applicable law;
3. your infringement or misappropriation of the rights of any third party, including data-protection and intellectual-property rights;
4. any dispute between you and another User, including any dispute about amounts owed, recorded, paid, or unpaid; and
5. your off-platform settlement or failure to settle any debt.

This indemnification obligation survives termination of these Terms, and applies except to the extent the relevant claim results from Even's own gross negligence, willful misconduct, or fraud, or is otherwise prohibited by applicable law.

14.1 By you. You may stop using the Service at any time. You may delete your Account directly within the App, which invokes our account-deletion process.

14.2 Effect of account deletion. When you delete your Account, our authentication record for your Account (including your email address) is deleted, which cascades to the deletion of your profile and your friend relationships. In Groups where you have no financial history, your membership is removed entirely. In Groups where you have financial history (for example, expenses you paid, splits assigned to you, or payments involving you), your prior entries are preserved so that the shared Group records and Balances remain accurate for the other members; in those Groups you will appear as a departed or deleted member. A limited server-side audit record of the deletion (for example, identifier, email, display name, and deletion date) may be retained as described in our Privacy Policy and as permitted by law. Further detail on retention and deletion is set out in our Privacy Policy.

14.3 By Even. We may suspend or terminate your Account or access to the Service, in whole or in part, with or without notice, if we reasonably believe you have violated these Terms or applicable law, if required by law or a third-party provider, or to protect the Service, other Users, or the rights of any person.

14.4 Survival. Sections concerning the money disclaimer (5), accounts and security (6), your responsibilities (7), acceptable use (8), user content and license (9), third-party disclaimers (10), disclaimers (11), limitation of liability (12), indemnification (13), effect of termination (this Section), governing law and disputes (16), and the general provisions (17) survive termination.

15.1 Changes to the Terms. We may update these Terms from time to time. When we do, we will revise the "Last updated" date above and, for material changes, provide reasonable notice through the App, by email, or by other appropriate means. Where required by applicable law, we will obtain your renewed consent. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance of them. If you do not agree, you must stop using the Service and may delete your Account.

15.2 Changes to the Service. We may add, change, suspend, or discontinue features of the Service, in whole or in part, at any time. While the Service is currently provided free of charge, we may in the future introduce paid tiers or features; if we do, any digital purchases made through the Apple App Store or Google Play will be processed by those platforms under their billing rules and applicable additional terms, and we will disclose pricing, billing period, renewal, and cancellation terms at the point of purchase.

15.3 Future subscriptions and auto-renewal disclosures. Before any paid or auto-renewing subscription is offered, we will present the full disclosures required by the applicable app store and by law at the point of purchase, including the title of the subscription, the length of the subscription period, the price payable per period, the fact that the subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period, that the account will be charged for renewal within 24 hours before the end of the current period, and how to manage or cancel the subscription through your platform account settings. Nothing in this Section changes Section 5: real-world payments between Users never occur through Even.

16.1 Governing law. These Terms and any dispute or claim arising out of or in connection with them or the Service are governed by the laws of the Republic of the Philippines, without regard to its conflict-of-laws rules.

16.2 Venue. Subject to Section 16.4, you agree that the competent courts of Makati City, Metro Manila, Philippines will have exclusive jurisdiction to resolve any dispute arising out of or relating to these Terms or the Service.

16.3 Informal resolution first. Before commencing any formal proceeding, you agree to first contact us at evenappofficial@gmail.com and attempt in good faith to resolve the dispute informally. Most concerns can be resolved this way.

16.4 Mandatory consumer protections. If you are a consumer, nothing in this Section deprives you of the protection of, or the right to bring proceedings in the courts of, your country of residence where mandatory law grants you such rights. Consumers in the European Union and in California retain the protections and forum rights afforded to them by applicable mandatory law, and any waiver of such rights (including any class-action or arbitration waiver) applies only to the extent permitted by the law applicable to that consumer.

17.1 Apple-specific terms. If you obtained the App from the Apple App Store, the following applies: these Terms are between you and Even only, not with Apple, and Apple is not responsible for the App or its content. Apple has no obligation to provide any maintenance or support for the App; as between Apple and Even, Even is solely responsible for any maintenance and support obligations for the App. Even is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) you paid for the App; to the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are Even's responsibility. Apple is not responsible for addressing any claims relating to the App, including product-liability, legal or regulatory non-compliance, or consumer-protection claims. In the event of any third-party claim that the App or your use of it infringes intellectual-property rights, Even, not Apple, is responsible for the investigation, defense, settlement, and discharge of such claim. You represent that you are not located in a country subject to a U.S. Government embargo or designated as "terrorist supporting," and that you are not on any U.S. Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce these Terms against you as a third-party beneficiary. You must also comply with any applicable third-party terms of agreement when using the App.

17.2 Google Play. If you obtained the App from Google Play, your use is additionally subject to the Google Play Terms of Service and applicable Google policies, and you agree to comply with them.

17.3 Export and sanctions compliance. You agree to comply with all applicable export-control and economic-sanctions laws and not to use the Service in violation of them.

17.4 Force majeure. Even is not liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, outages of Third-Party Services or telecommunications, and government action.

17.5 Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.

17.6 Entire agreement. These Terms, together with the Privacy Policy and any additional terms presented at the point of a specific feature or purchase, constitute the entire agreement between you and Even regarding the Service and supersede any prior agreements.

17.7 Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17.8 No waiver. Our failure to enforce any provision of these Terms is not a waiver of that or any other provision.

17.9 Notices. We may provide notices to you through the App or by email to the address associated with your Account. You may send notices to us at evenappofficial@gmail.com or Quezon City, Philippines.

17.10 Headings and language. Headings are for convenience only. These Terms are drafted in English; where a translation is provided and there is a conflict, the English version controls to the extent permitted by applicable law.

If you have any questions about these Terms, please contact:

Even Quezon City, Philippines Email: evenappofficial@gmail.com