Terms and Conditions

Last updated: July 28, 2026

These Terms and Conditions ("Terms") govern your use of the Pair with Me mobile application and related services ("Pair with Me" or the "Service"). Pair with Me is operated by Eunbee Hwang, a sole proprietor in British Columbia, Canada ("Company," "we," "us," or "our").

By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Description of Service

Pair with Me helps individuals and couples organize personal and shared finances. Features may include accounts, transactions, transfers, bills, savings goals, reports, shared-group sync, optional AI insights, image scanning, themes, stickers, and paid subscriptions. Available features may vary by platform, plan, location, or app version.

2. Accounts

You must be at least 18 years old to create an account. You must provide accurate account information and keep it current.

You are responsible for protecting your sign-in credentials and for activity under your account. Contact us promptly if you believe your account has been accessed without permission.

If you create or join a shared group, both members can view and change shared-group data. Leaving a group dissolves it for both members and permanently deletes its shared financial data. Personal-mode data remains separate.

3. Subscriptions and Purchases

Pair with Me may offer subscriptions and one-time purchases through Apple App Store or Google Play. Price, billing period, trial terms, and included features are shown before purchase. The store account used for purchase is charged when you confirm the transaction.

3.1 Automatic Renewal and Cancellation

Subscriptions renew automatically unless cancelled through the store that processed the purchase. Store rules determine renewal timing, cancellation, refunds, and trial handling.

• Apple purchases: Manage or cancel subscriptions from your Apple ID subscription settings.
• Google Play purchases: Manage or cancel subscriptions from Google Play subscription settings.
• Uninstalling or deleting your Pair with Me account: These actions do not automatically cancel a store subscription. Cancel it separately through the applicable store.
• Restoring purchases: Use the restore option in the app while signed in with the store account used for purchase.

3.2 Price Changes

Subscription prices may change. The applicable store will provide any notice or request for approval required before a new price takes effect. You can cancel before the new price applies.

4. Intellectual Property

The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of Pair with Me and its licensors. The Service is protected by copyright, trademark, and other laws of both Canada and foreign countries.

5. User Content

You retain your rights in financial records, descriptions, images, and other content you submit ("User Content"). You give us permission to host, copy, transmit, process, and display User Content only as needed to operate, secure, support, and improve the Service. Shared-group content is visible to both group members.

6. AI and Image-Scanning Features

Ask Your Money and image scanning are optional features powered by Google Gemini.

• Ask Your Money sends your question, recent conversation context, and selected financial summaries to Gemini.
• Image scanning sends the receipt or bank screenshot you select, category names, and a local date to Gemini.
• AI output can be incomplete, inaccurate, or unsuitable for your circumstances. Review all proposed transactions before saving them.
• You can avoid this processing by not using these features.

See our Privacy Policy for more information about AI data handling.

7. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable law, regulation, or these Terms
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others
• Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• Submit false or misleading information
• Upload or transmit viruses, malware, or any other type of malicious code
• Attempt to gain unauthorized access to the Service, other accounts, or computer systems
• Interfere with or circumvent the security features of the Service
• Use the Service for any commercial solicitation purposes without our consent
• Engage in any automated use of the system (bots, scrapers, etc.)
• Use the Service to launder money or for any other illegal financial activity

Violation of this Acceptable Use Policy may result in immediate termination of your account.

8. Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such third-party sites or services.

9. Termination

We may suspend or terminate access when reasonably necessary to address a Terms violation, security risk, unlawful activity, non-payment, or discontinuation of the Service. When practical, we will provide notice.

• Your right to use the Service will immediately cease
• You should request an export before deleting your account or before access ends
• Account and data deletion follow the process and retention rules described in our Privacy Policy
• Provisions that by their nature should survive termination shall survive (including ownership, warranty disclaimers, indemnification, and limitations of liability)

You may delete your account through app settings. Account deletion is permanent and does not automatically cancel a subscription purchased through Apple or Google.

10. Disclaimer of Warranties

To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT
• WARRANTIES THAT DEFECTS WILL BE CORRECTED OR THAT THE SERVICE IS FREE OF VIRUSES OR HARMFUL COMPONENTS

Your use of the Service is at your sole risk. We do not warrant that the financial tracking features will be accurate or that the Service will meet your specific requirements.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES
• THIS INCLUDES, WITHOUT LIMITATION: LOSS OF PROFITS, DATA, USE, GOODWILL, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES
• OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM, OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100)

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of and access to the Service
• Your violation of these Terms
• Your violation of any third-party right, including any intellectual property, privacy, or proprietary right
• Any claim that your Content caused damage to a third party
• Your violation of any applicable law or regulation

This indemnification obligation will survive the termination of these Terms and your use of the Service.

13. Dispute Resolution and Arbitration

13.1 Informal Resolution

Before filing any formal dispute, you agree to first contact us at couplemoneymanager@gmail.com and attempt to resolve the dispute informally for at least 30 days.

13.2 Binding Arbitration

If we cannot resolve a dispute informally, you and the Company agree to resolve any claims through final and binding arbitration, except as set forth below. The arbitration will be administered under the rules of the British Columbia International Commercial Arbitration Centre (BCICAC), or another mutually agreed arbitration provider.

13.3 Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

13.4 Exceptions

Nothing in this section shall prevent either party from seeking injunctive or other equitable relief in court for matters related to intellectual property, data security, or unauthorized access to the Service.

13.5 Opt-Out

You may opt out of this arbitration agreement by sending written notice to couplemoneymanager@gmail.com within 30 days of first accepting these Terms. If you opt out, you may pursue claims in court.

14. Governing Law

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

For any disputes not subject to arbitration, you consent to the exclusive jurisdiction of the courts located in Vancouver, British Columbia, Canada.

15. Severability

If any provision of these Terms is held 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 and enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and the Company regarding your use of the Service. These Terms supersede any prior agreements or understandings, whether written or oral.

17. Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by the Company.

18. Assignment

You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

19. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to: natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

20. Electronic Communications

We may send service-related electronic communications, including authentication messages, security notices, purchase information, support replies, and material updates. Promotional messages, if offered, will include any controls required to stop receiving them.

21. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect by:

• Posting the updated Terms on the Service
• Updating the "Last updated" date
• Sending an email notification (where we have your email)
• Displaying an in-app notice

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the new Terms.

22. Apple-Specific Terms (EULA)

By downloading the Service from the Apple App Store, you acknowledge and agree that:

• These Terms are concluded between you and the Company only, and not with Apple Inc. ("Apple"). Apple is not responsible for the Service and the content thereof.
• The license granted to you for the Service is limited to a non-transferable license to use the Service on any Apple-branded products that you own or control, as permitted by the Usage Rules set forth in the App Store Terms of Service.
• Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Service.
• Apple is not responsible for addressing any claims of you or any third party relating to the Service or your possession and/or use of the Service, including but not limited to: (i) product liability claims; (ii) any claim that the Service fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.
• In the event of any third party claim that the Service or your possession and use of the Service infringes that third party's intellectual property rights, the Company, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
• You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
• Apple, and Apple's subsidiaries, are third party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third party beneficiary thereof.
• You must comply with applicable third-party terms of agreement when using the Service (e.g., your wireless data service agreement).

Apple's App Store may be contacted for refund requests and other account-related issues at: reportaproblem.apple.com

23. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTOOD THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THE SERVICE.

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