Terms of Service

1.Who we are & this agreement

These Terms of Service (“Terms”) are an agreement between you and Wemakesense LLC (“PairPot”, “we”, “us”), 7901 4th St N, Ste 300, Saint Petersburg, FL 33702-4399, United States. They cover the PairPot apps (iPhone, Mac and later Android), this website and related services (together, the “Service”). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you don’t agree, don’t use PairPot.

2.Eligibility

• You must be at least 18 years old and able to enter a binding contract where you live.
• PairPot is designed for two adults who choose to share a pot. Both partners must accept these Terms (each in their own account) before a pot is shared.
• PairPot launches in the United States first. Live bank connections are available in the US only; elsewhere you can import statements or add spends manually.
• You may only link or import your own bank accounts and cards, and only with the account holder’s authority.
• You are responsible for keeping your device, sign-in and biometrics secure.

3.What PairPot is (and isn’t)

PairPot is not a bank, wallet, payment institution, lender or money transmitter, and it never holds, receives or moves your funds. The “joint pot” is a virtual ledger. It records who paid what and what each of you owes against your agreed ratio. Money moves only between your own accounts, through your own banks or payment apps. We are not a party to any transaction between you and your partner or between you and a merchant.

We are not a registered investment adviser, broker, tax adviser, accountant or law firm.

4.Not financial, tax or legal advice

PairPot’s categories, insights, forecasts, recaps and AI features are for budgeting information only. They are not financial, investment, credit, tax or legal advice, and they are not a recommendation to buy or sell anything. Please speak to a qualified professional about decisions that matter. AI-generated text can be wrong; the underlying numbers are calculated by PairPot from the data available to it, and that data may be incomplete.

5.The joint pot & your ratio

• The pot, the contribution ratio, the monthly budget, savings balances and “who owes who” figures are informational records between you and your partner. They are not a bank balance, a trust, an escrow or a legally binding division of property between you.
• Month-end results follow the rules shown in the app (including carry-forward of any surplus to savings and any deficit into the next month). Unsettled balances roll forward and are not silently dropped.
• Any dispute between you and your partner about money is between the two of you.

6.PairKey

The contribution ratio and monthly budget can change only when both partners approve the change by signing it with a key held on their own device (protected by Face ID or Touch ID). Approved changes apply from the next cycle, never retroactively. Proposals expire after 7 days if not signed by both. If you lose access to your device or key, you may need to re-pair; until then, changes cannot be approved.

7.Third-party bank data

Account and transaction data comes from banks and data providers (at launch, Plaid and Apple FinanceKit in the US), from statements you import, or from what you type in, not from us. It can be delayed, incomplete, duplicated or wrong, links can break, and imported files may be parsed imperfectly. Automatic tagging and categorisation are best-effort and you should review them. We aren’t responsible for errors in third-party or imported data, or for outages at your bank or a data provider. You can revoke an account connection at any time in the app or through the provider.

8.Settling up & payment links

When you tap “settle up”, PairPot hands you off to a payment app of your own with the payee and amount pre-filled:

• United States: a Venmo, PayPal.Me or Cash App link, where your partner has saved a handle.
• Anywhere, or if you prefer: “mark as settled” (and share the details with your partner).
• Households that use INR can also use UPI links.

PairPot is never a party to the payment and never receives your funds. The payment happens in that other app or at your bank, under its own terms. We don’t process, route, guarantee or verify payments (we do not route settle-ups through a payment gateway), and we are not liable for payments sent to the wrong person, for an app or bank failing, or for a payment you did not complete. On some phones we can’t tell whether a payment went through, so we may ask you to confirm. Always check the details before you pay.

9.Subscriptions & free trial

• Plans. PairPot offers paid plans (currently Duo, Duo+ and Duo Max, shown in USD at $2.99, $5.99 and $9.99 per month; local prices vary by country and store). Features per plan are described on our website and in the app and may change.
• One subscription per couple. One active subscription covers both partners while you are linked. It is bought by one of you (the “Subscriber”). If the Subscriber cancels, coverage ends for both of you at the end of the paid period.
• Billing through the stores. Subscriptions are purchased through the Apple App Store and are governed by its terms. We do not receive your payment card details.
• Free trial. Eligible new subscribers get a 14-day free trial on each plan, once per Apple ID. Unless cancelled at least 24 hours before the trial ends, it converts to a paid subscription at the plan price.
• Auto-renewal. Subscriptions renew automatically each month at the then-current price unless cancelled at least 24 hours before the end of the current period. We will tell you in advance if the price changes, and the store will ask you to accept a price increase where required.
• Cancelling. Cancel any time in your Apple ID subscription settings (deleting the app does not cancel the subscription). You keep access until the end of the paid period.
• Refunds. Purchases are handled by Apple, so refund requests follow its policies and are decided by Apple. Nothing here limits any refund or cancellation right you have by law (for example EU/UK consumer withdrawal rights, where they apply).
• Automatic renewal laws. Where state automatic-renewal laws (for example California’s) apply, the renewal terms above, the price, and how to cancel are disclosed here and at purchase, and you can cancel online or through your store account at any time.
• Web checkout. If we later offer checkout on the web, these Terms will be updated to cover payment processors, taxes and cancellation there.

10.Sponsored content

Some plans show “Perks” from third parties. Every Perk is labelled “Ad · Sponsored by” and the brand’s name, and Perks are kept out of your transactions, pot numbers, monthly close, settle-up, PairKey and consent flows, onboarding and the paywall (see the Privacy Policy). You can hide any Perk and turn off Perk personalisation in Us → Perks. Some Perks use affiliate links, which may earn us a commission. PairPot uses no third-party ad networks, and no personal or transaction data is sent to advertisers. Duo Max has no sponsored content. Perks are offers from advertisers, not recommendations or advice from us. Any deal you make with an advertiser is between you and them, and we are not responsible for their products, claims or terms.

11.Acceptable use

You agree not to:

• break the law or others’ rights, or use PairPot for fraud, money laundering or other illegal activity;
• monitor, control, coerce or financially abuse another person, or link accounts you do not own or have no authority over. PairPot only works with both partners’ participation, and either partner can unlink at any time;
• attempt to access another user’s data, bypass privacy controls or PairKey, or probe, scrape, reverse-engineer or overload the Service;
• upload malware, or misuse support channels, Perks or referral features.

If you are in a relationship where you feel unsafe or financially controlled, you can unlink at any time and may find help through local support services. In the US, the National Domestic Violence Hotline is free and confidential at 1-800-799-7233 (or text START to 88788), and it also helps with financial abuse. Outside the US, your local domestic-abuse or victim-support helpline can help.

12.Your content & licence to us

You keep ownership of what you put into PairPot (names, notes, tags, rules, messages). You give us a limited, worldwide, non-exclusive licence to host, process and display it only as needed to provide, secure and support the Service for you and your partner as described in the Privacy Policy. You are responsible for what you enter, and for having the right to enter it.

13.Our intellectual property

PairPot, its software, design, “Clear Glass, Two-Tone” look and feel, logos and content are owned by us or our licensors and protected by law. We grant you a personal, revocable, non-transferable licence to use the apps for your own non-commercial use, subject to these Terms. Don’t copy, modify or resell them. If you send us feedback, we may use it without obligation to you.

14.Ending things & unlinking

• You can stop at any time by unlinking from your partner or deleting your account.
• If either of you unlinks, the pot stops syncing. Each partner keeps their own Personal data, which is never shown to the other. Unsettled balances are shown so you can settle them directly, and pending PairKey proposals are cancelled. See Privacy Policy, section 8 for how long we keep data.
• We may suspend or end your access if you seriously or repeatedly breach these Terms, if required by law, or to protect people or the Service. Where reasonable we will tell you why and give you a chance to export your data.
• Sections that by their nature should survive (such as disclaimers, liability limits and governing law) survive termination.

15.Disclaimers

To the fullest extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not promise that PairPot will be uninterrupted, error-free, or that third-party data, categorisation, calculations or AI output will be accurate or complete. Some places don’t allow certain disclaimers, so some of this may not apply to you.

16.Limitation of liability

To the fullest extent permitted by law, PairPot and its affiliates, officers, employees and suppliers will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, savings, data or goodwill, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the greater of (a) the amount you paid us (through the stores) in the 12 months before the claim and (b) US$100. Nothing in these Terms excludes or limits liability that cannot legally be excluded (for example for fraud, death or personal injury caused by negligence), or any consumer rights you have by law.

17.Indemnity

Where the law allows, you will defend and indemnify PairPot against claims, losses and reasonable costs arising from your breach of these Terms, your misuse of the Service, or your violation of another person’s rights, including linking accounts you were not authorised to link.

18.Governing law & disputes

These Terms are governed by the laws of the State of Florida and applicable US federal law, without regard to conflict-of-law rules. Please contact us first at hello@pairpot.app and we will try to resolve the issue informally for at least 30 days.

If you live outside the US (for example in the EU, UK or India) you keep the mandatory consumer rights your local law gives you, including any right to bring a claim in your local courts.

19.Changes to these terms

We may update these Terms (for example when we add features or launch in a new region). If a change is material we will give you reasonable notice in the app or by email before it takes effect. If you keep using PairPot after the effective date you accept the updated Terms; if you don’t, you can stop using the Service and delete your account.

20.Contact