Terms of Service

1. Acceptance

By creating an account or using Piiply, you accept these Terms of Service. If you do not agree, you must not use the service. Piiply is an online expense management service for payables, receivables, reminders, and summaries, available at app.piiply.com. We do not provide legal, tax, or financial advice.

2. Who may use Piiply

To use Piiply you must:

• Be at least 18 years old (or the age of majority in your country)
• Provide accurate information when you create your account
• Use the service only for lawful, legitimate purposes

One account per person. You may not create accounts on behalf of others without their authorization.

Sign-in: access is passwordless using one-time codes sent by email and, when a phone number is on file, WhatsApp may also be used. You are responsible for accurate contact details and for keeping your email and devices secure. Report suspected abuse to support@piiply.com.

3. How you may use Piiply

Piiply is intended to help you record and track expenses, payment commitments, and receivables you are genuinely involved in (for example personally or in a small business), fairly and in compliance with the law.

You may

• Record real situations you participate in (what you owe or what is owed to you)
• Share public read-only links with people directly involved in those records, where appropriate
• Export your data for personal use (for example CSV), when the feature is available

You may not

• Use Piiply for fraudulent or unlawful purposes — such as fake records, undue pressure on others, or harassment through the product
• Send links or notifications to people who are not directly involved in the relevant records
• Attempt to access other users’ accounts or data
• Use the service in a way that improperly overloads infrastructure (for example unauthorized automated programs making many requests in a short time)

Breaking these rules may result in suspension or termination of your account. Automated summary or analysis features may be subject to reasonable usage limits shown in the product; we may delay or refuse requests that threaten stability or create disproportionate cost.

4. Your records are your responsibility

Piiply is a recording tool. We do not verify whether amounts, dates, or information you enter are correct or truthful. You are responsible for the content of your records.

When you enter someone else’s email or phone number (for example a contact tied to a payable or receivable), you confirm that:

• They know their data was recorded, or
• You have a lawful basis to process it (for example an agreement or economic relationship matching the record)

Do not use Piiply to record people’s data without adequate grounds or in a way that violates applicable data protection law.

5. Notifications sent on your behalf

When Piiply sends a notification to a contact you associated with a record, the message is sent on your behalf. You are responsible for ensuring that:

• Contact details you provide are correct
• Records reflect real situations you describe in good faith
• Communication with the other party is appropriate and lawful

Piiply is not liable for consequences of incorrect information you enter or misuse of notification features. The service may rely on third-party providers (email, WhatsApp, device notifications, and others); we do not control their outages or failures.

6. Automated suggestions and analysis

Piiply may analyze your records and show automated suggestions or summaries (for example about due dates or status). Output is generated automatically and is informational only. It is not financial, legal, accounting, or other professional advice. For important decisions, consult a qualified professional and validate critical information in the app.

7. Availability

We work to keep Piiply available and working well. However, we do not guarantee continuous or uninterrupted availability. We may update, modify, or temporarily suspend the service for maintenance or improvements. For significant changes to essential operation, we aim to give reasonable advance notice (for example by email or in-app notice).

8. Termination of your account

At your request: you may request account closure at any time, for example by email to support@piiply.com. After confirmation and subject to the Privacy Policy, we delete associated personal data except where minimal retention is required by law.

By us: we may suspend or terminate your account if we find a breach of these Terms. In serious cases (such as fraud or illegal activity), prior notice may not be given. In less serious cases, we try to contact you first.

9. Limitation of liability

Piiply is provided “as is” without warranties that it meets every specific need or is error-free. To the maximum extent permitted by applicable law:

• We are not liable for financial loss from incorrect records you enter
• We are not liable for decisions based solely on automated suggestions
• We are not liable for notification failures due to wrong email addresses or phone numbers or factors outside our reasonable control
• We disclaim liability for lost profits, data loss caused by you or third parties, and indirect damages from use or inability to use the service, where permitted

Piiply’s total liability to you in any circumstance does not exceed fees you paid for the service in the twelve months before the event — for the free tier as offered to you, that amount is zero, except where mandatory law provides otherwise.

10. Intellectual property and your data

The Piiply name, logo, visual identity, and hosted service software are protected or operated by the respective owners. Unless clearly stated on another official Piiply channel (for example a public repository with its own licence), you do not receive rights in the code beyond a licence to use the hosted service under these Terms. Third-party components (frameworks, libraries) remain subject to their licences.

Data you enter remains yours. By using the service, you authorize us to process it only to provide the service, as described in the Privacy Policy.

11. Changes to these Terms

We may update these Terms when needed. If changes are material, we will send notice by email with at least 15 days’ notice before they take effect, whenever reasonably possible. By continuing to use Piiply after that date, you accept the new Terms. If you disagree, you may close your account before the effective date.

12. Governing law

Unless mandatory consumer rules in your country of residence require otherwise, the laws of the jurisdiction where the hosted service is operated apply, without prejudice to complaints to competent authorities.

13. Contact

Questions about these Terms, the Privacy Policy, or the service: support@piiply.com · https://app.piiply.com