1. Acceptance of Terms

These Terms & Conditions (the "Terms") constitute a legally binding agreement between you ("User" or "you") and Pool EZ (the "Application", "we", "us", or "our"). By downloading, accessing, or using Pool EZ, 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 name, email, and settlement links) must be authentic, accurate, and current.

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

Pool EZ provides a collaborative group expense ledger and coordination tracker. The Platform calculates split amounts, archives shared balances, coordinates contribution pledges, and displays member-provided settlement instructions.

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.

5. Prohibited Conduct

By using Pool EZ, 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 upload fake settlement links.
• 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

Pool EZ 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

The basic features of Pool EZ are currently provided free of charge. We reserve the right to introduce premium add-ons or transaction-related helper fees in the future, subject to reasonable advance notice. 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 Pool EZ, including but not limited to source code, user interface designs, logo graphics, brand names ("Pool EZ"), assets, and copywriting, are the exclusive property of Pool EZ 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 deactivate your account at any time. As outlined in our Privacy Policy, because expense splits represent shared history, ledger details will be retained securely on our servers to maintain record consistency for other group members and comply with statutory compliance mandates.

10. Disclaimer of Warranties

11. Limitation of Liability

12. Indemnification

You agree to defend, indemnify, and hold harmless Pool EZ, 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 shall be governed by and construed in accordance with the laws of the jurisdiction in which the application's operators reside, without giving effect to conflicts of law principles.

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

If you have questions regarding these Terms & Conditions, please log a support request inside the application or contact us directly at:

Email: info@chipinglobal.com