Terms of Service

1. Who provides the Service

The Service is provided by NoExceptions Bartosz Ładniak, a sole proprietorship registered in the Central Register and Information on Economic Activity (CEIDG) of the Republic of Poland (the "Provider", "we", "us"). The Provider's address and registration numbers are shown at the top of this page.

You can contact us at help@spendwithfriend.com or through the contact form on the website. We answer in Polish or English.

"User" or "you" means a person who uses the Service, with or without an account.

2. What the Service is

SpendWithFriend is a free tool that helps groups of people, for example friends who travel together or people who live together, keep track of shared spending and plans. In particular it lets you:

• create groups and invite other people to them by email or with a join link;
• record expenses and how they are split between members;
• see the balances between members;
• record payments (settlements) made between members and confirm them;
• keep shared shopping lists;
• plan trips together in a travel note: dates, destinations, accommodation, plans, links, notes and files such as tickets and reservations;
• save your payment wallets (for example a Revolut username, a phone number used for BLIK, a bank account number or the details of another settlement method), so that the members of your groups know how to pay you back.

Place search in travel notes uses Google Maps features and content. By using it you also agree to the Google Maps/Google Earth Additional Terms of Service (maps.google.com/help/terms_maps) and the Google Privacy Policy (policies.google.com/privacy) applies. You do not have to use place search: you can always type a place yourself.

The Service is free of charge. We do not charge fees. Apart from partner offers (see "Partner offers"), we do not show advertisements. If we ever introduce paid features, we will tell you in advance; they will be optional and covered by separate terms.

The Service does not process payments and never moves money. Every payment between users happens outside the Service (for example by bank transfer, Revolut or BLIK). The Service only records the information that users enter about it.

The Service is not an accounting, tax, legal, financial or investment advisory service and does not keep books or records for any legal or tax purpose.

3. Technical requirements

To use the website you need a device with internet access and an up-to-date web browser (for example a current version of Chrome, Firefox, Safari or Edge) with JavaScript and local storage enabled. To use the mobile app you need a device with a supported version of iOS or Android. To create an account you need an active email address.

The website keeps a few items in your browser's local storage that it needs in order to work: your login session, the group you selected, your language and a join link you opened before logging in. The mobile app keeps your login session and display settings in your device's secure storage. We do not use advertising or analytics cookies. If you turn on partner offers and open one, our partners set their own cookies on their own websites. The details are in the Privacy Policy.

Using any service over the internet carries risks, such as malware, phishing or unauthorised access to your device or account. Protect your devices and never share your password.

4. Your account

You can read the public pages of the website without an account. Groups, expenses, payments and lists require an account.

To create an account you fill in the registration form or, where the Service offers it, sign in with your Google or Apple account. In either case you accept these Terms of Service and confirm that you have read the Privacy Policy; if you register with the form, you also confirm your email address with the link we send you. The agreement for providing the Service is concluded when your account is created. It is concluded for an indefinite period and is free of charge.

You must be at least 13 years old to create an account. If you are under 18, you may use the Service only with the consent of your parent or legal guardian.

Give true information, register with an email address that belongs to you and keep your password secret. An account is personal: do not share it with others and do not create an account for someone else. You are responsible for what is done in your account, unless it results from our fault.

If you think someone else has got into your account, tell us at help@spendwithfriend.com straight away.

5. Calculations and your responsibility

Balances, splits, totals and other figures shown by the Service are calculated automatically from the data entered by users. They are only as accurate as that data. Amounts are rounded to whole cents, so small rounding differences may occur.

The Service is a helper tool and must be used with care. Check the figures before you pay anyone, ask anyone for money or rely on them in any other way. The decision whether, how much and to whom to pay is always yours and the other people's involved.

Members of a group can add, change and delete expenses and payments in that group. We do not check whether expenses, payments or any other entries are true, complete or correct.

Settling up and any disputes between users, about money or anything else, are a matter for those users. We are not a party to arrangements between users and we do not mediate between them.

To the extent permitted by law, the Provider is not liable for any damage resulting from calculations made by the Service, from errors or omissions in the data entered by users, or from decisions or payments made on the basis of information shown in the Service.

Keep your own records of important payments and arrangements. The Service is not meant to be the only record of them.

6. Acceptable use

Use the Service only lawfully, in line with these Terms and with respect for other people. In particular you must not use the Service:

• to commit, prepare, facilitate or conceal crimes or other unlawful acts, including fraud, extortion, money laundering, financing of terrorism or evasion of sanctions;
• for terrorist purposes or to support terrorist, extremist or criminal organisations;
• to post or send unlawful content, including content that infringes the rights of others (for example personal rights, copyright or privacy), incites violence or hatred, or harasses or threatens anyone;
• to send spam or mass, unsolicited invitations;
• to impersonate anyone, or to enter other people's personal data without the right to do so;
• to attack, overload or disrupt the Service, get around its security, test it for vulnerabilities without our written permission, or spread malware;
• to access the Service by automated means (bots, scrapers and the like) other than the official website and mobile app, unless we have agreed to it.

If you break these rules, we may remove the content concerned, limit your access to the Service, or block or delete your account (see "Changing, suspending and ending the Service"). Where the law requires it, we will notify the competent authorities.

7. Content you enter

You are responsible for the content you enter into the Service, for example the names of groups and expenses, amounts, the nicknames of members, shopping list items, travel notes, files attached to them and the email addresses of people you invite. Enter only what you are entitled to share with the members of your group.

Attach to travel notes only files you are entitled to share with your group, such as tickets and booking confirmations. Do not attach scans or photos of identity documents, passports or payment cards; the Service does not need them. We may limit the size and type of files.

Your content remains yours. You allow the Provider to store, copy and display it only as far as necessary to provide the Service to you and to the members of your groups, for as long as it is stored in the Service.

What you enter in a group is visible to the other members of that group. Your name, email address and wallets are visible to the members of the groups you belong to.

Reporting illegal content

If you come across content in the Service that you believe is illegal or breaks these Terms, write to help@spendwithfriend.com. Explain why you believe so, say exactly where the content is, and give your name and email address (you may leave them out if the report concerns child sexual abuse material). We will review the report promptly, carefully and objectively, and tell you what we decided.

If we remove or restrict someone's content or account, we will tell that person what we did and why, unless the law forbids it. They can ask us to review the decision by writing to help@spendwithfriend.com, and may also use other remedies available under the law.

help@spendwithfriend.com is also our single point of contact for users and for the authorities of the EU Member States, the European Commission and the European Board for Digital Services under Regulation (EU) 2022/2065 (the Digital Services Act). You can write to us in Polish or English.

8. Partner offers

Where the Service offers it, it may show offers of other businesses ("partners"), for example accommodation, flights and other transport, car rental, tours and attractions, travel insurance and travel products, chosen to fit the trip you are planning. Partner offers are advertising. Each one is marked as a partner offer where it is shown.

Partner offers open only for users who have confirmed that they are at least 16 years old and have turned partner offers on. Anyone else who taps or clicks one is first asked to confirm their age and agree. Turning them on is voluntary. You can turn them off at any time in your settings; the rest of the Service works the same either way.

We get partner offers through affiliate networks, in particular CJ Affiliate (operated by Epsilon International UK Ltd and Commission Junction LLC). If you open a partner offer and then buy or book something, the partner may pay us a commission. The commission does not change the price you pay.

A partner offer opens only when you tap or click it, and it takes you to the partner's website. Any purchase or booking is a contract between you and the partner, on the partner's terms and under its privacy policy. We are not a party to that contract, we do not sell the products or services offered and we do not handle payments for them. Prices, availability and other details come from the partner and may change; check them on the partner's website before you buy. Send complaints about a purchase or booking to the partner.

If we show several partner offers together, we say next to them what mainly decides their order, for example how well they match the destination and dates of your trip, their price or our arrangements with partners. If a commission or a paid placement affects which offers we show or in what order, we say so there.

We never turn the links that you or other members enter, for example in travel notes, into partner links.

To the extent permitted by law, the Provider is not liable for the products, services, prices or information of partners, or for how partners perform their contracts with you. This does not limit your rights against the partner or your rights as a consumer.

9. Availability and liability

The Service is provided free of charge, "as is" and "as available". We try to keep it working well, but we do not promise that it will always be available, uninterrupted or free of errors, or that it will meet your expectations.

We may carry out maintenance, updates and changes that interrupt the Service, and we may change, add or remove features at any time.

To the extent permitted by law, the Provider is not liable for:

• damage resulting from interruptions, errors or unavailability of the Service;
• loss or corruption of data stored in the Service;
• acts or omissions of other users, including the content they enter and the payments they make or fail to make;
• damage caused by using the Service contrary to these Terms or to the law;
• lost profits and indirect damage.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under mandatory provisions of law, in particular liability for damage caused intentionally, or the rights that consumers have under mandatory consumer protection law.

10. Changing, suspending and ending the Service

The Provider has no obligation to keep providing the Service or any of its features. We may suspend or discontinue the Service, in whole or in part, temporarily or permanently, at any time. If we decide to close the Service for good, we will try to let users know in advance by email or on the website, where possible at least 14 days before, so that you can note down any information you need.

When the Service is closed, accounts and all data stored in the Service may be permanently deleted. After the Service ends we are not obliged to keep, return or export any data, unless the law requires it.

We may block or delete an account, or delete content, without notice if:

• the user breaks these Terms or the law;
• it is necessary to protect the Service, other users or third parties;
• the law or a competent authority requires it;
• the account has not been confirmed within 30 days of registration.

We may also delete an account that has not been used for at least 24 months, after telling its user by email at least 14 days beforehand.

When an account is deleted, the entries it made in shared groups (for example expenses and payments) may remain visible to the other members so that their balances stay correct, but they are no longer linked to that person's name or email address.

11. Ending the agreement

You can stop using the Service and end the agreement at any time, without giving a reason and at no cost, by deleting your account in your account settings or by asking us at help@spendwithfriend.com to delete it. An account deleted in the settings is deleted right away. If you write to us, please write from the email address of the account, so that we can confirm it is yours; we will delete it without undue delay, and at the latest within 30 days. Instructions for deleting your account are available at spendwithfriend.com/delete-account.

The agreement also ends when we delete your account or close the Service, as described above.

12. Complaints

You can make a complaint about the Service at help@spendwithfriend.com or through the contact form. Please describe the problem, tell us what you expect and give the email address of your account.

We will reply by email within 14 days of receiving the complaint.

If you are a consumer, you can also use out-of-court ways of resolving complaints and disputes, for example the free help of a municipal or district consumer ombudsman (miejski lub powiatowy rzecznik konsumentów) or a provincial Trade Inspection office (Wojewódzki Inspektorat Inspekcji Handlowej). More information is available on the website of the President of the Office of Competition and Consumer Protection (UOKiK): uokik.gov.pl. Using them is voluntary.

13. Personal data

The Provider is the controller of your personal data. How we process it and what rights you have is described in the Privacy Policy, available at spendwithfriend.com/privacy.

14. Changes to these Terms

We may change these Terms for important reasons, such as a change in the law, a change to the Service or its features, or security. We will tell registered users about the change by email or in the Service at least 14 days before it takes effect, unless a shorter period is required by law or the change is needed at once for legal or security reasons.

If you do not agree with the change, you can delete your account before it takes effect. If you go on using the Service after that date, the changed Terms apply to you.

15. Final provisions

These Terms are governed by Polish law. If you are a consumer, this does not deprive you of the protection given to you by mandatory provisions of the law of the country where you habitually live.

Disputes will be settled by the competent common court. If you are not a consumer, the competent court is the one with jurisdiction over the Provider's address. The rules for consumers also apply to a sole trader who uses the Service for a purpose that is not of a professional nature for them.

These Terms are available in Polish and English. If the two versions differ, the Polish version prevails.

These Terms apply from the date shown at the top of this page.