1. Acceptance of Terms

These Terms & Conditions (the "Terms") constitute a legally binding agreement between you ("User" or "you") and Poolera (the "Application", "we", "us", or "our"). By downloading, accessing, or using Poolera, you represent that you have read, understood, and agreed to be bound by these Terms.

If you disagree with or object to any section of these Terms, you must immediately uninstall the Application and cease all use of our Services.

2. Eligibility & Account Requirements

To use our Services, you must satisfy the following criteria:

• You must be at least 18 years of age (or the legal age of majority in your jurisdiction) and fully capable of entering into binding contracts.
• You must not have been previously suspended or removed from our Platform.
• All registration and profile details you provide (including your name, email and phone number) must be authentic, accurate, and current.
• When you create an account, you confirm that you are 18 or older. The sign-up screen says: "By creating an account you confirm you're 18 or older and agree to the Terms and Privacy Policy."

3. Account Security and Credentials

You are solely responsible for maintaining the confidentiality of your account credentials (such as passwords, login tokens, and biometric security settings). You agree to:

• Notify us immediately of any unauthorized access, suspicious security logs, or password breaches.
• Accept full responsibility for all activities, ledger posts, split edits, and group creation executed under your login credentials.
• Ensure that your local biometric settings (Face ID, Touch ID, etc.) are only configured with your own biometric details.

4. Description of Service & Crucial Disclaimers

Poolera is a group payment tracker. It records shared expenses, works out who owes what, helps members send each other their payment details, and sends reminders. Poolera never holds, receives or moves money: members pay each other directly through services such as Venmo, Zelle, Cash App, bank transfer or cash. Receipt scanning and AI expense suggestions are conveniences; check amounts before you save them.

All repayments are conducted directly between users utilizing third-party peer-to-peer services (such as Venmo, Cash App, Apple Pay, PayPal, or bank wire) or physical cash. We do not control, clear, or intercept these external transactions and assume zero liability for failed, duplicate, or unverified payments.

Furthermore, any optical character recognition (OCR) utility or receipt-scanning tool provided in the application is for convenience only. You are responsible for verifying the accuracy of all values, dates, items, and tax allocations before finalizing split items in your ledger.

4A. Invites, Reminders and Messages

• When you invite someone, you confirm they would expect to hear from you, and you let us send them one invitation on your behalf by email or text.
• Reminders and nudges are sent on behalf of the pool's organizer. You can change what you receive under Profile → Notifications.
• If you add a phone number, you agree to receive text messages about your pools. Message frequency varies. Message and data rates may apply.
• Organizers can archive a pool. Archived pools become read-only; members are told when it happens and can still record payments.

5. Prohibited Conduct

By using Poolera, you covenant and agree that you will not use the platform to:

• Engage in or facilitate fraudulent schemes, money laundering, tax evasion, or illegal fundraising activities.
• Impersonate any other individual, construct duplicate accounts to exploit promotional incentives, or share false payment details.
• Harass, abuse, or defame other group members via payment comments, pool descriptions, or profiles.
• Upload receipt files containing malicious code, viruses, or inappropriate imagery.
• Scrape, reverse-engineer, or attempt to compromise the integrity of our databases or Firebase security rules.

6. Debt and Payment Enforcement Disclaimers

Poolera acts strictly as an administrative ledger tool. We calculate who owes what based on input data, but we:

• Do not act as a debt collector or credit provider.
• Do not guarantee that group members will fulfill their splits, pay back outstanding balances, or honor contribution pledges.
• Are not a party to, and will not mediate, write off, or resolve disputes regarding split balances or unpaid expenses. All such conflicts must be settled directly between the respective group members.

7. Fees and Mobile Carrier Charges

Poolera's core features are free. Some features are part of paid plans (Pro, Pool Pass). Prices, what's included and how to cancel are shown in the app before you buy.

You are solely responsible for all internet connection fees, mobile data limits, and carrier network charges associated with utilizing the application on your device.

8. Intellectual Property

All intellectual property rights associated with Poolera, including but not limited to source code, user interface designs, logo graphics, brand names ("Poolera"), assets, and copywriting, are the exclusive property of Poolera and its licensors. You are granted a limited, non-exclusive, non-transferable, revocable license to run the mobile application solely for personal, non-commercial coordination.

9. Termination and Archiving

We reserve the right to suspend, freeze, or terminate your account access at our sole discretion, without prior notice, if we detect fraudulent activity, security bypasses, or violations of these Terms.

You may delete your account at any time, as described in section 5 of our Privacy Policy. Records of pools you share with other people are kept so the other members' balances stay correct.

10. Disclaimer of Warranties

11. Limitation of Liability

12. Indemnification

You agree to defend, indemnify, and hold harmless Poolera, its founders, contractors, and affiliates from and against any claims, losses, liability, expenses, damages, or costs (including reasonable legal fees) resulting from your violation of these Terms, your misuse of the platform, or your violation of the rights of any third party.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-law rules. Any dispute will be resolved by binding individual arbitration.

Mandatory Binding Arbitration: You agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof shall be settled by binding arbitration, rather than in court.

Class Action Waiver: YOU AGREE THAT ANY DISPUTE OR ARBITRATION SHALL PROCEED SOLELY ON AN INDIVIDUAL BASIS. YOU WAIVE THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.

14. Contact Support

Poolera is operated by Chipin Global LLC, 30 N Gould St Ste R, Sheridan, WY 82801, United States. If you have questions about these Terms, open a support request in the app or email info@chipinglobal.com.