Terms & Conditions

Last Updated: December 2025

1. Acceptance of Terms

Welcome to Deby – Debt & IOU Manager Pro (the “Application,” “App,” “Service,” or “Software”). These Terms and Conditions of Use (“Terms,” “Agreement”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Ricardo V (“we,” “us,” “our,” “Developer,” or “Company”) governing your access to and use of the Application. BY DOWNLOADING, INSTALLING, ACCESSING, OR USING THE APPLICATION, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE THE APPLICATION AND MUST IMMEDIATELY UNINSTALL IT FROM YOUR DEVICE. Your use of the Application is also subject to any additional terms, conditions, or policies that may be applicable to specific features or services within the Application, as well as the terms of service of third-party app stores (Apple App Store, Google Play Store) through which you obtained the Application.

2. Description of Service

2.1 Application Purpose

Deby – Debt & IOU Manager Pro is a mobile application designed to assist users in tracking debts, IOUs, expenses, and financial transactions. The Application provides tools for:

Recording and managing debts and IOUs
Calculating bill splits and expense divisions
Scanning receipts using artificial intelligence
Managing groups and shared expenses
Setting reminders and notifications
Exporting and sharing financial data

2.2 Nature of Service

IMPORTANT DISCLAIMER: The Application is provided as a convenience tool for personal financial tracking and organization. The Application is NOT:

A financial institution, bank, or payment processor
A certified accounting or bookkeeping service
A legal or financial advisory service
A replacement for professional financial, legal, or accounting advice
A guarantee of accuracy in financial calculations or record-keeping

The Application is intended for personal, non-commercial use only. Any use of the Application for commercial purposes is at your own risk and may violate these Terms.

3. User Responsibilities and Acceptable Use

3.1 User Responsibilities

You are solely responsible for:

Accuracy of Data: Ensuring that all information you enter into the Application is accurate, complete, and current
Verification: Independently verifying all calculations, amounts, and financial records
Backup: Creating and maintaining backups of your data
Security: Securing your device and preventing unauthorized access to the Application
Compliance: Complying with all applicable laws, regulations, and third-party agreements
Professional Advice: Seeking professional financial, legal, or accounting advice when appropriate

3.2 Acceptable Use

You agree to use the Application only for lawful purposes and in accordance with these Terms. You agree NOT to:

Use the Application for any illegal, fraudulent, or unauthorized purpose
Attempt to reverse engineer, decompile, disassemble, or otherwise derive the source code of the Application
Modify, adapt, alter, or create derivative works of the Application
Remove, alter, or obscure any proprietary notices, labels, or marks on the Application
Use the Application to transmit viruses, malware, or other harmful code
Interfere with or disrupt the Application’s functionality or servers
Use automated systems (bots, scrapers) to access or interact with the Application
Impersonate any person or entity or misrepresent your affiliation with any person or entity
Use the Application in any manner that could damage, disable, overburden, or impair our systems

3.3 Account and Device Security

You are responsible for maintaining the security of your device and any access credentials. You agree to:

Use appropriate security measures (passwords, biometrics, device locks)
Not share your device or Application access with unauthorized persons
Immediately notify us of any unauthorized access or security breach
Accept full responsibility for all activities that occur under your device or account

4. Disclaimer of Warranties and Limitation of Liability

4.1 No Warranties

THE APPLICATION IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Warranties of Merchantability: The Application may not be suitable for your specific needs or purposes
Warranties of Fitness for a Particular Purpose: The Application may not perform as expected or desired
Warranties of Accuracy: Calculations, data processing, or results may contain errors
Warranties of Reliability: The Application may not be available, functional, or error-free at all times
Warranties of Non-Infringement: The Application may infringe upon third-party rights
Warranties of Security: The Application may not be secure or protected against all threats

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, NON-INFRINGEMENT, AND SECURITY.

4.2 No Financial Responsibility

CRITICAL DISCLAIMER: We are NOT RESPONSIBLE for any financial losses, damages, or consequences arising from:

Inaccurate Calculations: Mathematical errors, calculation mistakes, rounding errors, or computational inaccuracies in the Application
Data Loss: Loss, corruption, deletion, or unavailability of your data, including debts, transactions, records, or attachments
Data Corruption: Corruption, alteration, or damage to your data due to software bugs, system failures, or other technical issues
Malfunction: Any malfunction, failure, or error in the Application’s operation, features, or functionality
Misuse: Your misuse, misunderstanding, or incorrect use of the Application
Third-Party Services: Failures, errors, or issues with third-party services (e.g., Google Gemini AI, app stores, payment processors)
Device Issues: Problems with your device, operating system, or network connectivity
Financial Decisions: Any financial decisions, transactions, or actions you take based on information from the Application

YOU ACKNOWLEDGE AND AGREE THAT THE APPLICATION IS A TOOL FOR CONVENIENCE AND ORGANIZATION ONLY. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ALL CALCULATIONS, AMOUNTS, AND FINANCIAL INFORMATION. YOU SHOULD NOT RELY SOLELY ON THE APPLICATION FOR CRITICAL FINANCIAL DECISIONS.

4.3 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

Financial Losses: Loss of money, profits, revenue, income, or business opportunities
Data Loss: Loss, corruption, or unavailability of data, information, or records
Business Interruption: Loss of business, contracts, or commercial opportunities
Reputational Damage: Damage to reputation, goodwill, or business relationships
Legal Costs: Legal fees, court costs, or expenses related to disputes
Personal Injury: Physical or emotional harm (to the extent permitted by law)
Property Damage: Damage to property, devices, or equipment

THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

4.4 Maximum Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APPLICATION SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE APPLICATION IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR IF YOU RECEIVED THE APPLICATION FOR FREE, ONE HUNDRED DOLLARS (USD $100.00) OR THE EQUIVALENT IN YOUR LOCAL CURRENCY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITIES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

4.5 No Guarantees

We make NO GUARANTEES regarding:

Availability: That the Application will be available, accessible, or functional at all times
Accuracy: That calculations, data processing, or results will be accurate, correct, or error-free
Performance: That the Application will perform without errors, bugs, or interruptions
Compatibility: That the Application will be compatible with all devices, operating systems, or configurations
Security: That the Application or your data will be secure, protected, or free from vulnerabilities
Features: That all features will work as described, be available, or remain unchanged
Data Preservation: That your data will be preserved, backed up, or recoverable

YOU USE THE APPLICATION AT YOUR OWN RISK AND DISCRETION.

5. Data Loss, Corruption, and Errors

5.1 Data Loss Disclaimer

WE ARE NOT RESPONSIBLE FOR ANY LOSS, CORRUPTION, DELETION, OR UNAVAILABILITY OF YOUR DATA, INCLUDING BUT NOT LIMITED TO:

Loss of debt records, transaction history, or financial data
Corruption or damage to stored information
Accidental deletion of data by you or the Application
Data loss due to device failure, damage, or loss
Data loss due to Application updates, bugs, or errors
Data loss due to operating system updates or changes
Data loss due to uninstalling or reinstalling the Application
Data loss due to third-party service failures

YOU ARE SOLELY RESPONSIBLE FOR CREATING AND MAINTAINING BACKUPS OF YOUR DATA. WE STRONGLY RECOMMEND THAT YOU REGULARLY EXPORT YOUR DATA USING THE APPLICATION’S EXPORT FEATURES (IF AVAILABLE) OR USE YOUR DEVICE’S BACKUP FUNCTIONALITY.

5.2 Data Corruption Disclaimer

WE ARE NOT RESPONSIBLE FOR ANY CORRUPTION, ALTERATION, OR DAMAGE TO YOUR DATA, INCLUDING BUT NOT LIMITED TO:

Corruption of stored data due to software bugs or errors
Alteration of data due to Application malfunctions
Damage to data due to system failures or crashes
Data corruption due to incomplete operations or interrupted processes
Data corruption due to third-party service errors

YOU ACKNOWLEDGE THAT DATA CORRUPTION MAY OCCUR AND AGREE THAT WE ARE NOT LIABLE FOR ANY CONSEQUENCES THEREOF.

5.3 Mathematical and Calculation Errors

WE ARE NOT RESPONSIBLE FOR ANY MATHEMATICAL ERRORS, CALCULATION MISTAKES, OR COMPUTATIONAL INACCURACIES, INCLUDING BUT NOT LIMITED TO:

Errors in debt calculations, balances, or totals
Mistakes in bill splitting or expense division
Inaccuracies in currency conversion
Rounding errors or precision issues
Errors in recurring debt calculations
Mistakes in transaction processing
Errors in group expense calculations
Inaccuracies in receipt scanning or OCR processing

YOU ACKNOWLEDGE THAT MATHEMATICAL ERRORS MAY OCCUR AND AGREE TO INDEPENDENTLY VERIFY ALL CALCULATIONS AND AMOUNTS. YOU SHOULD NOT RELY SOLELY ON THE APPLICATION FOR ACCURATE FINANCIAL CALCULATIONS.

5.4 Software Bugs and Errors

WE ARE NOT RESPONSIBLE FOR ANY SOFTWARE BUGS, ERRORS, OR MALFUNCTIONS, INCLUDING BUT NOT LIMITED TO:

Application crashes, freezes, or unresponsiveness
Feature failures or non-functionality
Display errors or incorrect information presentation
Processing errors or incorrect data handling
Integration errors with device features or third-party services
Errors in data synchronization or storage

YOU ACKNOWLEDGE THAT SOFTWARE MAY CONTAIN BUGS AND ERRORS AND AGREE THAT WE ARE NOT LIABLE FOR ANY CONSEQUENCES THEREOF.

6. Use at Your Own Risk

6.1 Acknowledgment of Risk

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE APPLICATION IS AT YOUR SOLE RISK. THE APPLICATION IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OR GUARANTEES. You acknowledge that:

The Application may contain errors, bugs, or malfunctions
The Application may not perform as expected or described
Your data may be lost, corrupted, or become unavailable
Calculations may be inaccurate or contain errors
The Application may not be available at all times
Features may change, be removed, or stop working
Third-party services may fail or malfunction
Your device or operating system may have compatibility issues

6.2 Assumption of Risk

BY USING THE APPLICATION, YOU ASSUME ALL RISKS ASSOCIATED WITH SUCH USE, INCLUDING BUT NOT LIMITED TO:

Risk of financial loss or damage
Risk of data loss or corruption
Risk of calculation errors or inaccuracies
Risk of Application malfunctions or failures
Risk of security breaches or unauthorized access
Risk of incompatibility with your device or system
Risk of third-party service failures

YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY RISKS, DAMAGES, OR LOSSES YOU INCUR AS A RESULT OF USING THE APPLICATION.

7. Third-Party Services and Content

7.1 Third-Party Services

The Application may integrate with or use third-party services, including but not limited to:

Google Gemini AI: For receipt scanning and OCR functionality
App Stores: Apple App Store, Google Play Store for distribution and payments
Payment Processors: Apple, Google for subscription payments
Operating Systems: iOS, Android for device functionality

WE ARE NOT RESPONSIBLE FOR THE AVAILABILITY, FUNCTIONALITY, ACCURACY, OR PRIVACY PRACTICES OF THIRD-PARTY SERVICES. YOUR USE OF THIRD-PARTY SERVICES IS SUBJECT TO THEIR RESPECTIVE TERMS OF SERVICE AND PRIVACY POLICIES.

7.2 Third-Party Content

The Application may display, link to, or provide access to third-party content, websites, or services. We do not endorse, control, or assume responsibility for any third-party content. YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY THIRD-PARTY CONTENT, SERVICES, OR ACTIONS.

8. Intellectual Property Rights

8.1 Ownership

The Application, including all software, code, graphics, text, images, logos, trademarks, and other content, is owned by us or our licensors and is protected by copyright, trademark, patent, and other intellectual property laws.

8.2 License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Download and install the Application on your personal device(s)
Use the Application for your personal, non-commercial use
Access and use the Application’s features and functionality

This license does not grant you any rights to:

Copy, modify, adapt, or create derivative works of the Application
Reverse engineer, decompile, or disassemble the Application
Remove or alter any proprietary notices or marks
Use the Application for commercial purposes
Sublicense, sell, rent, or lease the Application
Transfer or assign your rights under this license

8.3 User Content

You retain ownership of any data, information, or content you enter into or create using the Application (“User Content”). By using the Application, you grant us a limited, non-exclusive, worldwide, royalty-free license to use, store, and process your User Content solely for the purpose of providing the Application’s functionality. You represent and warrant that you have all necessary rights to your User Content and that it does not violate any third-party rights or applicable laws.

9. Subscription and Payment Terms

9.1 Premium Subscriptions

The Application may offer premium subscription plans that provide additional features or remove usage limits. Subscription terms, pricing, and features are subject to change at any time.

9.2 Payment Processing

Payments for subscriptions are processed by third-party payment processors (Apple, Google) according to their terms of service. We do not store or have access to your payment information.

9.3 Subscription Management

Subscriptions are managed through your app store account (Apple App Store, Google Play Store). You are responsible for managing your subscription, including cancellation, renewal, and payment method updates.

9.4 Refunds

Refund policies are governed by the app store through which you purchased the subscription. We do not process refunds directly. Please contact Apple or Google for refund requests.

9.5 Subscription Changes

We reserve the right to:

Change subscription pricing at any time
Modify or discontinue subscription plans
Add or remove features from subscription tiers
Terminate subscriptions for violations of these Terms

Changes to subscriptions will be communicated through the Application or app store, but we are not obligated to provide advance notice.

10. Modifications to the Application

10.1 Right to Modify

We reserve the right to modify, update, suspend, or discontinue the Application or any part thereof at any time, with or without notice, for any reason or no reason.

10.2 Updates

We may release updates, patches, or new versions of the Application. You may be required to install updates to continue using the Application. Updates may:

Add, modify, or remove features
Fix bugs or errors
Improve performance or security
Change the Application’s appearance or functionality
Require new permissions or device capabilities

WE ARE NOT OBLIGATED TO PROVIDE UPDATES OR MAINTAIN THE APPLICATION. WE ARE NOT RESPONSIBLE FOR ANY ISSUES ARISING FROM YOUR FAILURE TO INSTALL UPDATES.

10.3 Discontinuation

We may discontinue the Application or any features at any time. We are not obligated to:

Provide advance notice of discontinuation
Maintain or support discontinued features
Provide data migration or export tools
Refund any payments for discontinued services

11. Termination

11.1 Termination by You

You may stop using the Application at any time by uninstalling it from your device. Uninstalling the Application may result in the deletion of locally stored data.

11.2 Termination by Us

We may terminate or suspend your access to the Application immediately, without prior notice or liability, for any reason, including but not limited to:

Violation of these Terms
Illegal or fraudulent use
Abuse of the Application or its features
Request by law enforcement or government authorities
Technical or security issues
Discontinuation of the Application

11.3 Effect of Termination

Upon termination:

Your right to use the Application immediately ceases
We may delete or disable your access to the Application
All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 4 (Disclaimers and Liability), 5 (Data Loss), 6 (Use at Own Risk), 8 (Intellectual Property), 12 (Indemnification), 13 (Dispute Resolution), and 14 (Governing Law)

12. Indemnification

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS US, OUR AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, DIRECTORS, AND REPRESENTATIVES FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, LOSSES, LIABILITIES, DAMAGES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES) ARISING OUT OF OR RELATING TO:

Your use or misuse of the Application
Your violation of these Terms
Your violation of any applicable laws or regulations
Your infringement of any third-party rights
Your User Content
Your interactions with other users or third parties

THIS INDEMNIFICATION OBLIGATION SHALL SURVIVE TERMINATION OF THESE TERMS AND YOUR USE OF THE APPLICATION.

13. Dispute Resolution

13.1 Informal Resolution

Before initiating any formal dispute resolution proceedings, you agree to contact us at office@deby.app to attempt to resolve the dispute informally. We will attempt to resolve disputes in good faith within thirty (30) days.

13.2 Arbitration (If Applicable)

FOR USERS IN CERTAIN JURISDICTIONS: Any dispute, controversy, or claim arising out of or relating to these Terms or the Application shall be resolved through binding arbitration in accordance with the rules of the Austrian Arbitration Association, unless otherwise required by applicable law. FOR USERS IN THE EUROPEAN UNION: You have the right to bring a claim in your local courts or consumer dispute resolution bodies, as provided by applicable consumer protection laws.

13.3 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

14. Governing Law and Jurisdiction

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Austria, without regard to its conflict of law provisions.

14.2 Jurisdiction

FOR USERS IN THE EUROPEAN UNION: Any disputes shall be subject to the jurisdiction of the courts of Vienna, Austria, without prejudice to your rights as a consumer under applicable consumer protection laws, which may allow you to bring proceedings in your country of residence. FOR USERS OUTSIDE THE EUROPEAN UNION: Any disputes shall be subject to the exclusive jurisdiction of the courts of Vienna, Austria.

14.3 International Users

If you are using the Application from outside Austria, you acknowledge that:

You are responsible for compliance with local laws
These Terms are governed by Austrian law
Disputes will be resolved in Austrian courts (subject to consumer protection laws)

15. Force Majeure

WE SHALL NOT BE LIABLE FOR ANY FAILURE OR DELAY IN PERFORMANCE UNDER THESE TERMS DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO:

Natural disasters, acts of God, or extreme weather
War, terrorism, civil unrest, or political instability
Pandemics, epidemics, or public health emergencies
Government actions, regulations, or restrictions
Internet or telecommunications failures
Cyberattacks, security breaches, or data breaches
Third-party service failures or disruptions
Labor strikes, shortages, or disputes
Equipment failures or technical malfunctions

SUCH EVENTS SHALL CONSTITUTE FORCE MAJEURE AND SHALL EXCUSE OUR PERFORMANCE FOR THE DURATION OF SUCH EVENTS.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Application and supersede all prior or contemporaneous agreements, understandings, or communications, whether written or oral.

18. Waiver

No waiver of any provision of these Terms shall be effective unless in writing and signed by us. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

19. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms or our rights and obligations hereunder to any third party without your consent.

20. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

We will update the “Last Updated” date at the top of these Terms
We will make the updated Terms available in the Application and on our website
For material changes, we may provide additional notice through the Application

YOUR CONTINUED USE OF THE APPLICATION AFTER CHANGES BECOME EFFECTIVE CONSTITUTES YOUR ACCEPTANCE OF THE UPDATED TERMS. IF YOU DO NOT AGREE TO THE UPDATED TERMS, YOU MUST STOP USING THE APPLICATION AND UNINSTALL IT.

21. Contact Information

If you have questions, concerns, or requests regarding these Terms, please contact us: Email: office@deby.app Support Email: support@deby.app Website: https://deby.app

22. Acknowledgment

BY USING THE APPLICATION, YOU ACKNOWLEDGE THAT:

You have read, understood, and agree to be bound by these Terms
You understand that the Application is provided “as is” without warranties
You accept all risks associated with using the Application
You are solely responsible for verifying all calculations and financial information
We are not responsible for any financial losses, data loss, or errors
You use the Application at your own risk and discretion
You will not hold us liable for any damages or losses arising from your use of the Application

IF YOU DO NOT AGREE WITH ANY OF THE ABOVE, YOU MUST NOT USE THE APPLICATION.