Terms and Conditions

Last updated: December 9, 2025

Please read these Terms and Conditions ("Terms", "Terms and Conditions", "Agreement") carefully before using the Pair with Me mobile application (the "Service", "App") operated by Eunbee Hwang ("Company", "us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

1. Description of Service

Pair with Me is a financial tracking and management application designed to help couples manage their shared and personal finances. The Service allows users to track income, expenses, and savings goals.

Disclaimer: Not Financial Advice
The content provided by the Service is for informational and educational purposes only. We are not financial advisors, and the Service does not constitute financial, investment, legal, or tax advice. You should consult with a qualified professional before making any financial decisions.

2. Accounts

When you create an account with us, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

3. Subscriptions and Purchases

Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.

3.1 Apple App Store Subscriptions

If you purchase a Subscription through the Apple App Store, the following terms apply:

Payment: Payment will be charged to your Apple ID account at the confirmation of purchase.
Auto-Renewal: Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period.
Management: You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase.
Free Trial: Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription, where applicable.

3.2 Price Changes

We reserve the right to modify the subscription fees for the Service at any time. Any subscription fee change will become effective at the end of the then-current Billing Cycle. We will provide you with reasonable prior notice of any change in subscription fees.

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

Our Service allows you to input, upload, and store financial data ("Content"). You retain all rights to the Content you post on the Service. By posting Content, you grant us the right and license to use, modify, perform, display, reproduce, and distribute such Content on and through the Service solely for the purpose of providing the Service to you.

6. Aggregated Data and Analytics

By using the Service, you acknowledge and agree that:

Anonymized Data: We may use anonymized, aggregated data derived from your use of the Service to generate statistical insights and benchmarks (e.g., "Average spending by category," "Percentage of users who reduced expenses").
No Personal Identification: Such aggregated data will be stripped of all personally identifiable information and cannot be used to identify you individually.
Community Insights: These insights may be displayed to you and other users as "Community Insights" or similar features to help users understand their finances in context.
Minimum Thresholds: We will not generate or display any insights based on groups smaller than 20 users to protect individual privacy.
Opt-Out Available: You may opt-out of contributing your anonymized data to these aggregates at any time through the app's Settings. See our Privacy Policy for details.

This license to use anonymized data survives termination of your account; however, only data that has already been anonymized and aggregated prior to termination will be retained.

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 terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination:

Your right to use the Service will immediately cease
You may request a copy of your data within 30 days of termination
We will delete your personal data within 30 days, except as required by law or as specified 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 terminate your account at any time by deleting your account through the app settings or by contacting us.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

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

By using the Service, you consent to receive electronic communications from us. These communications may include notices about your account, updates to the Service, and promotional materials. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

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.

24. Contact Us

If you have any questions about these Terms, please contact us:

Company: Eunbee Hwang (Sole Proprietor)
Email: couplemoneymanager@gmail.com
Response Time: We aim to respond within 5 business days