Terms and Conditions

By accessing or using ExpensePanda, you agree to these Terms and Conditions. If you do not agree, you must stop using the service.

ExpensePanda provides software tools for expense tracking, shared expenses, settlements, and related analytics. Features may evolve over time and we may update, improve, or discontinue parts of the service.

• You must provide accurate and current account information.
• You are responsible for activity under your account credentials.
• You must promptly report unauthorized access to your account.
• You are responsible for what you share in groups, including expense entries and split decisions.

You agree not to misuse the service. Prohibited actions include:

• Violating laws, regulations, or third-party rights.
• Attempting unauthorized access to systems or user accounts.
• Distributing malware or harmful code.
• Using the service to harass, defraud, or abuse others.
• Reverse engineering, scraping, or automated abuse of the platform.

ExpensePanda is an organizational and record-keeping tool. It does not provide financial, tax, or legal advice. You are responsible for validating data and making your own financial decisions.

To the maximum extent permitted by law, ExpensePanda is not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service.

The service is provided on an "as available" basis without guarantees of uninterrupted or error-free operation.

We may suspend or terminate access where needed to protect users, comply with law, or enforce these terms. You may stop using the service at any time and request account deletion via our data deletion process.

These terms are governed by the laws of [Insert governing jurisdiction]. You should update this placeholder before publishing a final legal version.

For questions about these terms, contact support@expensepanda.com.