Terms of Service

These terms cover the FlexaPay app for iOS and Android, the service behind it, and this website. They are short because FlexaPay is simple: it helps you plan things with friends and keeps track of who paid — it never touches the money.

Agreeing to these terms

Using the app or this site means you accept these terms and our Privacy Policy. If you don’t, please don’t use them. We may revise the terms — see Changes, below — and continuing to use FlexaPay after a revision means you accept the revised version.

Who can use FlexaPay

You must be at least 13, or older if your country sets a higher age for agreeing to a service like this on your own. You may hold one account, the details you give us must be yours and accurate, and you are responsible for what happens through your account — keep your phone and your email locked down, and tell us through the Support page if you think someone else has got in. Settling up through Venmo is subject to Venmo’s own age and eligibility rules.

What FlexaPay is

A place to plan — dates, itineraries, places on a map, polls — and a shared record of expenses within a plan or between friends: who paid, how it was split, and what that leaves each person owing. Members of a plan can add and edit that record, and every edit is kept so a change can be traced.

What FlexaPay is not

FlexaPay is not a bank, a wallet, a payment service or a money transmitter. It doesn’t hold funds, move funds, or store card or bank details, and a balance in the app is not a debt we collect, guarantee or enforce — it is a record between you and your friends, kept by you. When you settle, you do it outside FlexaPay: through Venmo, which the app can open for you with the details filled in, or any other way you like. Venmo is a separate service under its own terms; any problem with a payment is between you, the other person, and Venmo. Marking something as paid in FlexaPay records your statement that it was; the other person can confirm or dispute it, and we don’t adjudicate.

Your content

What you put into FlexaPay — plans, places, expenses, notes, links, your profile — stays yours. You give us permission to store it and show it to the people you share it with, which is the entire purpose of the app; we claim no other rights in it. You are responsible for it being accurate and lawful, especially the amounts you enter, which other people will rely on.

Friends and plan members

People you add as friends, and the members of your plans, can see your name, username, avatar, Venmo handle if you’ve added one, and the expenses and balances you share with them. Anyone you hand an invite link to can see your name and avatar and join what it points at, and so can anyone they forward it to — links expire after a week, and you can revoke them. You can leave a plan at any time; what you contributed stays, because it is part of other people’s record too.

Using FlexaPay

Use it lawfully and decently. Specifically, please don’t:

• enter expenses or settle-ups that aren’t real, or otherwise use the ledger to mislead or pressure anyone;
• harass, threaten or impersonate anyone, or add people to plans who don’t want to be there;
• use a name, phone number, email address or Venmo handle that isn’t yours, or that you don’t have permission to use;
• access FlexaPay by any automated means, submit forms in bulk, or work around rate limits or other protections;
• probe, disrupt, overload or gain unauthorized access to the app, this site or the servers behind them, or reverse-engineer the app except where the law says we can’t stop you;
• scrape, copy or republish FlexaPay’s content, design or code as your own.

Our full rules for shared content, and what to do about it, are in the Community Guidelines. In short: you can report any plan, event, poll, link or expense, and block any user, right from the app.

Deleting your account, and suspension

You can delete your account from the Me screen in the app whenever you like, or from our website if you can’t sign in — that route confirms a code by email and one by text first. Either way it takes effect immediately and you have 29 days to change your mind via the Support page; after that it is erased as described in the Privacy Policy. The expenses and plan content you shared with others remain, with your name removed, so their records stay whole.

We may suspend or close an account that breaks these terms, is used to harm other people, or that we are required by law to close, and we may remove content for the same reasons. We’ll say why unless the law stops us. How we moderate reports and handle appeals is described in the Community Guidelines.

Third-party services

The app opens other products to do things it deliberately doesn’t do itself: Venmo to pay, your maps app for directions, your messaging app to send an invite, and Google or Apple to sign in. Each is governed by its own terms and privacy policy, and we are not responsible for them. Map data and place search are supplied by third parties and may be wrong; check before you set out.

App stores

If you got the app from Apple’s App Store or Google Play, those stores’ terms also apply to the download, and Apple and Google are not parties to these terms. For App Store users in particular: the licence to use the app is granted by FlexaPay, not Apple, for use on Apple devices you own or control; Apple has no obligation to provide maintenance or support for the app and no responsibility for it, its content, or any claim relating to it; and Apple and its subsidiaries may enforce these terms against you as a third-party beneficiary.

Intellectual property

The FlexaPay name and wordmark, and the text, design and code of the app and this site, belong to FlexaPay. We give you a personal, non-transferable licence to use the app on your own devices for its intended purpose, and nothing more. Venmo, Apple, Google and other product names mentioned here are trademarks of their respective owners.

No warranty

FlexaPay is provided as is and as available, without warranties of any kind, express or implied — including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We don’t warrant that it will be uninterrupted or error-free, that balances will be correct (they are whatever the members of a plan entered), or that everything on this site is complete and current. It is a pre-release product and it changes.

Limitation of liability

To the fullest extent permitted by law, FlexaPay will not be liable for any indirect, incidental, special, consequential or punitive damages, for any loss of data, profits or goodwill, or for any money owed between users, arising out of your use of — or inability to use — the app or this website. Our total liability to you for any claim will not exceed the amount you paid us in the twelve months before it, which today is nothing. Some jurisdictions don’t allow these limits; where that is the case, they apply as far as the law allows.

Governing law

These terms are governed by the laws of the State of Washington, USA, without regard to its conflict-of-laws rules. Any dispute arising from these terms or from your use of FlexaPay will be brought in the state or federal courts located in the State of Washington, and you agree to their jurisdiction — unless the consumer law where you live gives you the right to be heard at home, in which case it does.

Changes

We may revise these terms. The revised version will be posted here with a new effective date, and takes effect when posted; if a change matters, we’ll tell you in the app first.

Contact

Questions about these terms can reach us through the Support page.