Terms of Service

Acceptance of terms & eligibility

By accessing or using betweenus (“Service”), operated via betweenus.credit, you confirm that you have read, understood, and agreed to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you must not use or access the Service.

You represent and warrant that you are at least 18 years of age (or the age of legal majority in your jurisdiction) and possess the legal authority to enter into these terms. If you access or use the Service on behalf of a company, organization, or other entity, you represent that you are authorized to bind that entity to these terms.

Description of the service

betweenus is a software platform providing personal and organizational ledger recording, transaction history tracking, and interest accrual calculation tools between two counterparties. Key platform capabilities include:

• Shared Ledgers: Creating two-party ledgers for loans, splits, and IOUs with real-time shared visibility.
• Interest Calculation Engine: Chronologically calculating accrued interest and compounding balances according to user-defined annual percentage rates and compounding day rules.
• Workspaces & Collaboration: Managing counterparties, personal contacts, organization accounts, multi-user permissions, and audit logs.

Non-banking & non-fiduciary disclaimer

Nothing contained on the Service constitutes financial, investment, legal, credit, or tax advice. Users are solely responsible for ensuring that their private agreements comply with applicable statutory lending laws, interest rate ceilings (usury laws), disclosure requirements, and tax reporting obligations in their relevant jurisdiction.

Calculation accuracy & user verification

While our interest calculation engine is built to execute consistent chronological math using day-count and monthly compounding formulas, all balances, accrued interest amounts, and repayment totals are provided solely for convenience and informational purposes.

You and your counterparty are solely responsible for verifying the accuracy of all entries, transactions, interest rates, compounding dates, and settlement figures. betweenus disclaims all liability for arithmetic differences, interpretation variances, or discrepancies between our software calculations and external banking or accounting systems.

Counterparty agreements & independent disputes

Any underlying financial agreement, loan, split expense, or repayment commitment recorded in the Service exists solely and exclusively between you and your counterparty.

• betweenus is not a party to any agreement, contract, or debt established between users.
• We do not endorse, guarantee, or verify the solvency, creditworthiness, identity, or good faith of any counterparty you invite or connect with.
• In the event of a dispute, default, non-payment, or disagreement between you and a counterparty, you agree that betweenus has no obligation to arbitrate, mediate, assist, or participate in such dispute, and you release betweenus from all claims, demands, and damages arising out of or in connection with counterparty disputes.

Account registration, security & workspaces

To access the Service, you must create an account. You agree to provide true, accurate, and current information during registration.

You are responsible for safeguarding your password, Google Sign-In credentials, and any invitation links sent from your account. You agree to notify us immediately at support@betweenus.credit upon becoming aware of any unauthorized access to your account.

If you administer an organization workspace, you are responsible for maintaining member roles, revoking invitations, and monitoring audit trail records within your workspace.

Subscriptions, billing & cancellations

betweenus offers a Free plan alongside two paid subscription plans: Personal and Business.

• Payment Processing: Billing is processed securely through Stripe. By subscribing to a paid plan, you authorize Stripe to charge your designated payment method on a recurring billing cycle (monthly or annually).
• Free Trials: Organization workspaces may include a time-limited free trial. Upon trial expiration without an active paid subscription, workspace write capabilities may be locked until upgraded.
• Cancellations & Refunds: You may cancel your subscription at any time through the customer portal. Cancellation takes effect at the end of the current prepaid billing period. Unless required by applicable law, payments are non-refundable.

Acceptable use & prohibited conduct

You agree to use the Service solely for lawful purposes. You agree not to:

• Use the Service in furtherance of extortion, money laundering, fraud, predatory unlicensed lending, or usury law evasion.
• Transmit abusive, threatening, defamatory, or harassing messages via invitation emails or transaction descriptions.
• Probe, scan, reverse engineer, or test the vulnerability of our application, API endpoints, or Firebase security rules.
• Attempt to circumvent rate limits, App Check bot detection, or subscription tier seat restrictions.
• Use automated scrapers, bots, or unauthorized extraction scripts against the Service.

Intellectual property & proprietary rights

The betweenus software, user interface design, visual styling, brand wordmarks, logos, monograms, interest calculation logic, and documentation are the exclusive intellectual property of betweenus and its licensors.

Subject to these terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your personal or internal business ledger purposes. You retain all rights and ownership in the specific transaction and counterparty data that you input into the Service.

Termination & account suspension

You may discontinue your use of the Service at any time. You may request deletion of your account and personal records by contacting support@betweenus.credit.

We reserve the right to suspend or terminate your account or revoke access to the Service at any time, with or without notice, in our reasonable discretion, including for violations of these Terms, suspected fraudulent or malicious activity, or abusive usage of system resources.

Disclaimer of warranties & limitation of liability

The Service, including all ledger calculations, tools, and content, is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

To the maximum extent permitted under applicable law, betweenus disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and title. We do not warrant that the Service will be uninterrupted, error-free, secure, or free from data loss or server downtime.

In no event shall betweenus, its operators, affiliates, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, lost savings, uncollected debts, or data corruption, arising out of or related to your use of or inability to use the Service. To the extent permitted by law, our total aggregate liability for any claim shall not exceed the amounts paid by you to betweenus during the twelve (12) months preceding the claim.

Governing law & dispute resolution

These Terms of Service and any action or dispute arising out of or relating to them shall be governed by and construed in accordance with applicable commercial laws, without giving effect to any principles of conflicts of law that would require the application of the laws of another jurisdiction.

Any legal proceeding, lawsuit, or arbitration arising from or connected with these Terms or the Service will be instituted in a court of competent jurisdiction. You and betweenus waive any objections to venue or convenience of forum in such courts.

Contact us & modifications

We may revise these Terms of Service from time to time. When modifications are made, the effective date at the top of this document will be updated. Continued use of the Service after revisions take effect signifies your binding acceptance of the revised Terms.

If you have any questions, feedback, or inquiries concerning these Terms, please contact our team: