Terms of Service

1. What PayMyCut does

PayMyCut helps you split a printed or digital receipt by extracting line items from a photo using AI vision, letting you tag who had what, and producing a per-person breakdown. The Service can also generate deeplinks into third-party payment apps (Venmo, Cash App, PayPal). We do not process payments ourselves and do not take possession of any funds — money moves entirely inside the payment apps you use.

2. Eligibility

• You must be at least 13 years old (or the age of digital consent in your jurisdiction, whichever is higher).
• One person per account. Don't share login credentials.
• If you're using PayMyCut on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Accuracy disclaimer

Receipt parsing relies on AI vision and is not guaranteed to be accurate. Items may be misread, totals may be off, dates may be wrong. You are solely responsible for verifying every number against the original receipt before acting on it. The Service is a convenience layer over your own judgment — never a substitute for it.

4. Your content

• The receipt photos you upload remain yours. You grant us a limited, transient license to send them to Google's Gemini API for parsing.
• Parsed data (line items, totals) belong to you; we hold a copy only while you keep your account active.
• Don't upload anything that isn't a receipt — the app rejects non-receipt images, and persistent abuse can lead to account suspension.

5. Acceptable use

You agree not to:

• Use PayMyCut for any illegal purpose, or to facilitate fraud.
• Attempt to reverse-engineer, decompile, or extract source code from the App (beyond what's permitted by applicable law).
• Automate, scrape, or otherwise interact with the Service in a way that imposes an unreasonable load on our infrastructure.
• Circumvent the per-user rate limits or use multiple accounts to do so.
• Upload content that infringes someone else's intellectual property, contains malicious code, or is offensive or harassing.
• Resell or otherwise commercialize the Service or any of its outputs without our written consent.

We may suspend or terminate accounts that violate these rules.

6. Purchases, billing, and refunds

• The Service offers a free tier and a one-time Pro unlock (currently US$7.99). Pro is a one-time purchase, not a subscription — there is no recurring charge and nothing auto-renews.
• Pro is sold as an in-app purchase through the Apple App Store or Google Play Store under their standard terms. You can restore a previous purchase from in-app Settings.
• Refunds are handled by Apple or Google under their respective policies. We do not process refunds directly.
• Pricing may change for new purchases. A price change never affects an unlock you already own — Pro stays yours.

7. Account termination

You can delete your account at any time from Settings → Delete my account & data. Deletion is permanent and irreversible — your saved splits, sign-in records, anonymous identity, and quota counters are removed within 24 hours.

We may suspend or terminate your account if you materially breach these Terms. In serious cases we may do so without prior notice; for less serious issues we'll generally try to give you a chance to fix the problem first.

8. Third-party services

The Service deeplinks into third-party apps (Venmo, Cash App, PayPal, Apple Pay, Google Pay) and uses third-party infrastructure (Google Gemini, Firebase, RevenueCat). Your use of those third parties is governed by their own terms and privacy policies. We are not responsible for what they do with your data once you leave our app.

9. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT IT WILL PARSE ANY GIVEN RECEIPT ACCURATELY.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU'VE PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) US$50. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

Some jurisdictions don't allow these limitations; in those cases, they apply to the maximum extent permitted by local law.

11. Indemnity

You agree to indemnify and hold harmless STAIM CORP. and its operators against any third-party claims arising out of (a) your misuse of the Service, (b) your violation of these Terms, or (c) your violation of any third-party right.

12. Changes to the Terms

We may update these Terms. Material changes will be announced in-app at least 30 days before they take effect. Continued use of the Service after a change means you accept the revised Terms.

13. Governing law and disputes

These Terms are governed by the laws of Ontario, Canada without regard to conflict-of-laws rules. Disputes will be resolved in the courts of Toronto, Ontario, except that nothing in this section affects mandatory consumer-protection rights in your country of residence.

14. Miscellaneous

• Entire agreement. These Terms (together with the Privacy Policy) are the entire agreement between you and us regarding the Service.
• Severability. If any part is held unenforceable, the rest remains in effect.
• No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms; we may assign them to a successor in a merger or acquisition.

15. Contact

STAIM CORP.

Legal inquiries: [email protected]

General support: [email protected]