1. Acceptance of Terms

By accessing or using SettlUp, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our service.

2. Description of Service

SettlUp is a platform that helps groups manage shared expenses and payments. Our service includes:

• Group creation and management
• Expense tracking and splitting
• Payment coordination and settlement
• Transaction history and reporting

3. User Accounts

Account Creation

To use SettlUp, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials.

Account Responsibilities

You agree to:

• Provide accurate and up-to-date information
• Maintain the security of your account
• Notify us immediately of any unauthorized use
• Be responsible for all activities under your account

4. Acceptable Use

You agree to use SettlUp only for lawful purposes and in accordance with these terms. You may not:

• Use the service for illegal activities
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Upload malicious code or content
• Violate any applicable laws or regulations

5. Financial Transactions

Transaction Accuracy

You are responsible for ensuring the accuracy of all expense entries and calculations. While we strive to provide accurate tools, you should verify all financial information.

6. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. By using SettlUp, you consent to our data practices as described in our Privacy Policy.

7. Intellectual Property

SettlUp and its content, features, and functionality are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute our content without permission.

8. Disclaimers

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

9. Limitation of Liability

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

10. Termination

We may terminate or suspend your account at any time for violation of these terms. You may also terminate your account at any time by contacting us or using the account deletion feature in the app.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of material changes via email or app notification. Continued use of the service after changes constitutes acceptance of the new terms.

12. Governing Law

These terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved in the courts of [Your Jurisdiction].

13. Contact Information

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