Terms of Service
Effective Date: March 2026
Effective Date: March 2026
Welcome to SetAll ("Company", "we", "our", "us"). These Terms of Service ("Terms") govern your access to and use of the SetAll website, mobile applications, desktop applications, and related services (collectively, the "Service").
By creating an account, accessing, or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Service.
SetAll is a peer-to-peer expense tracking and mathematical calculation utility designed to help users log shared expenses and determine optimized debt settlements.
You must be at least 13 years of age (or 16 in the European Economic Area) to create an account and use the Service. By using the Service, you represent and warrant that you meet these requirements.
When you register, you agree to provide accurate and complete information. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
You agree to use the Service only for lawful purposes. You agree not to:
The Service, including its original content, design, algorithms (including the "Greedy Flow" engine), code, graphics, and trademarks, are owned by SetAll and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
We grant you a personal, worldwide, royalty-free, non-assignable, non-exclusive, revocable, and non-sublicensable license to access and use the Service strictly as permitted by these Terms. You may not copy, modify, distribute, sell, or lease any part of our Service.
You retain ownership of any data, text, or images you upload to the Service ("User Content"). However, by providing User Content, you grant SetAll a worldwide, royalty-free, non-exclusive license to host, store, process, and display that content solely for the purpose of operating and providing the Service to you and your authorized group members.
The Service may contain links to third-party websites or integrate with third-party services (e.g., Google OAuth, Apple Sign-In). We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that SetAll shall not be responsible or liable, directly or indirectly, for any damage or loss caused by your use of any third-party content or service.
The Service is provided on an "AS IS" and "AS AVAILABLE" basis.
To the maximum extent permitted by applicable law, SetAll expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses. We do not guarantee the absolute accuracy of currency exchange rates or mathematical calculations; users should verify critical financial figures independently.
To the maximum extent permitted by applicable law, in no event shall SetAll, its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
In no event shall SetAll's aggregate liability for all claims relating to the Service exceed the greater of one hundred US dollars ($100.00) or the amount you paid SetAll, if any, in the past 12 months.
You agree to defend, indemnify, and hold harmless SetAll and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms, or c) any dispute between you and another user regarding shared expenses.
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or use the "Delete Account" feature within the app's settings.
These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which the company is established, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
If you have any questions or concerns about these Terms, please contact us at:
[email protected]