Terms of Use and Disclaimer

1. About these terms

Cognito Expenses (“the service”) is provided by Cognito Technologies (“we”, “us”). These terms apply to everyone who uses the service, on the web or in the Android app. By creating an account or using the service, you agree to them. If you don't agree, please don't use the service.

2. What the service does, and doesn't do

The service lets you create events, add the people in a group, record who paid for what and who shared each cost, and see balances and a suggested list of payments to settle up. It also lets you export that information as PDF files.

The service does not:

• hold, send, receive or transfer money, or act as a bank, payment service or escrow;
• check that any entry is true, complete or agreed by the people it involves;
• give financial, investment, tax, accounting or legal advice; or
• enforce or collect any debt between users.

3. Balances and settle-up amounts are for convenience only

Balances, shares, averages and suggested payments are worked out automatically, only from the entries recorded in the event, and are rounded to the nearest cent (or the nearest unit of the event's currency). They may be affected by mistakes in entries, rounding, changes made by other members, or errors in the service.

Before anyone pays anything, check the amounts and agree them with the people involved. Any payment you make or receive, and any arrangement between members of a group, is entirely between you and them. We are not a party to it and are not responsible for amounts paid, unpaid, overpaid or disputed.

4. Your responsibilities

• Enter information that is accurate to the best of your knowledge, and correct it if it's wrong.
• Keep your password private. You are responsible for activity on your account.
• Only invite people you trust. Anyone you give access to an event can view it and add members and entries, and can edit or delete the entries they recorded.
• Don't record more personal information than the service needs. Names and short descriptions are enough; please don't enter bank details, card numbers or other sensitive information.
• Use the service lawfully, and don't try to disrupt it, access other people's data or get around its limits.

5. Content and disputes between users

Events, members and entries are created by users, not by us. We don't review them and aren't responsible for them. Disagreements about what was spent, who should pay or how much is owed are for the people involved to resolve.

6. Availability and your data

The service is provided free of charge, “as is” and “as available”, without any promise that it will be accurate, uninterrupted, secure or free of errors, or that data will never be lost. Please keep your own record of anything important, for example by downloading the PDF journal and report.

We may change, suspend or stop the service, in whole or in part, at any time. We may also suspend or close accounts that misuse it.

To run the service we store your name, your email address, a securely hashed version of your password, and the events, members and entries you and the people you share events with record. We use this only to provide the service, and we don't sell it.

7. Limits on our liability

To the fullest extent permitted by law, Cognito Technologies is not liable for any loss or damage arising from your use of, or inability to use, the service. This includes money paid, owed or not recovered between users; reliance on any balance, share or suggested payment; loss or corruption of data; and any indirect or consequential loss, or loss of profit, revenue, savings or goodwill.

Where our liability can be limited but not excluded, our total liability to you for all claims relating to the service is limited to £50.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited by law. If you use the service as a consumer, these terms don't affect your statutory rights.

8. Changes to these terms

We may update these terms from time to time. The date at the top shows when they last changed. If you keep using the service after a change, the updated terms apply.

9. Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you live in Scotland or Northern Ireland, you may also bring proceedings in your local courts.