Terms of Service

The Service is offered in the United States and is denominated in U.S. dollars. You must be at least eighteen years of age, capable of entering into a legally binding contract, and not barred from using the Service under applicable law. By using the Service you represent that each of these statements is true.

You are responsible for the accuracy of the information associated with your account and for all activity that occurs under it. You agree to keep your sign-in credentials confidential, to enable the security features we make available where appropriate, and to notify us promptly of any unauthorized access. You may not create an account for anyone other than yourself, impersonate any person, or use another person's account without permission.

Plurel lets you record shared expenses, read receipts, assign items to participants, and settle what is owed. Payment functionality, including any Plurel card, is provided in partnership with regulated financial institutions and payment processors and is subject to their agreements, which will be presented to you before you enroll. Plurel is not a bank. We may add, change, or withdraw features at any time.

You authorize each payment you initiate through the Service and are responsible for ensuring that a payment method you use is yours to use. Any fee we charge will be disclosed before you confirm a payment. Amounts owed between participants of a split are obligations between those participants; Plurel facilitates the transfer and is not a party to the underlying transaction. Disputes about a charge should be raised with us promptly so that we can investigate under the rules of the applicable payment network.

A host may generate a link that allows other participants to view and settle a tab. Anyone who receives a link may be able to open it; you are responsible for whom you share a link with. Links expire and may be revoked by the host at any time. A person who uses a pay link without an account is bound by these Terms to the same extent as an account holder.

You agree not to use the Service to commit or facilitate fraud, to collect money you are not owed, to launder the proceeds of crime, to violate sanctions or export laws, to harass or defraud other users, or to interfere with the security or operation of the Service. You may not reverse engineer the Service, scrape it, probe it for vulnerabilities without our written permission, or access it by any means other than the interfaces we provide.

We reserve the right to suspend, restrict, or terminate access to the Service, in whole or in part, for any account, for any reason or no reason, at any time, with or without notice, to the fullest extent permitted by law. Reasons may include, without limitation, a suspected violation of these Terms, a risk of fraud or loss, a request from a financial partner or authority, or a legal obligation. Where funds are held on your behalf at the time of a suspension, they will be handled in accordance with applicable law and the agreements of our financial partners.

You may close your account at any time from within the app. Closing an account does not relieve you of obligations incurred before closure, and we may retain records as described in our Privacy Policy and as required by law.

Plurel cooperates with law enforcement, regulators, and courts. We may disclose information about you or your use of the Service in response to a subpoena, warrant, court order, or other valid legal process; to comply with anti-money-laundering, sanctions, know-your-customer, and other legal obligations that apply to us or to our financial partners; or where we believe in good faith that disclosure is necessary to prevent fraud, protect the safety of any person, or protect the rights and property of Plurel and its users. We may also freeze or hold funds or activity when required to do so by law or by a competent authority.

The Service, including its software, design, trademarks, and content, is owned by Plurel Inc. or its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. Content you submit remains yours; you grant us a license to store, process, and display it as needed to operate and improve the Service.

The Service is provided "as is" and "as available." To the fullest extent permitted by law, Plurel disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that receipt readings, split calculations, or balances will be accurate in every case. You are responsible for reviewing what you are asked to pay before you pay it.

To the fullest extent permitted by law, Plurel Inc. and its officers, directors, employees, partners, and suppliers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or in connection with the Service. Our aggregate liability for all claims relating to the Service will not exceed the greater of the fees you paid to Plurel in the twelve months before the claim or one hundred U.S. dollars. Some jurisdictions do not allow these limitations, in which case they apply to the extent permitted.

You agree to defend, indemnify, and hold harmless Plurel Inc. and its affiliates from any claim, loss, liability, or expense, including reasonable attorneys' fees, arising out of your use of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.

These Terms are governed by the laws of the State of Delaware and the federal laws of the United States, without regard to conflict-of-law principles. Before filing a claim, you agree to contact us and attempt in good faith to resolve the dispute informally for at least thirty days. Any claim that cannot be resolved informally will be brought in the state or federal courts located in Delaware, and you consent to their jurisdiction, except that either party may seek relief in small-claims court where eligible.

We may revise these Terms from time to time. When we make a material change we will post the revised Terms here, update the effective date, and, where required, notify you in the app or by the contact details on your account. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

Questions about these Terms may be sent to legal@plurel.us. Plurel Inc. is the operator of the Service.