Terms of Service for Expenmo

Effective Date: November 10, 2026

These Terms of Service ("Terms") are an agreement between you and HomeAsync LLC ("we", "us"), which develops and operates Expenmo, including the web app (expenmo.com), the Android app, and the online services behind accounts and sharing (together, the "Service"). By using Expenmo, or by signing in or creating an account, you agree to these Terms, and acknowledge our Privacy Policy, which explains how we handle your information. If you don't agree, please don't use Expenmo.

In short: Expenmo is provided as it is, for free, and we can change or shut it down at any time. Don't use it for anything illegal or abusive; if you do, we can remove your data or close your account. Keep your own backups. Expenmo keeps track of who owes what, but it doesn't move money and isn't financial advice.

1. Who Can Use Expenmo

You must be at least 13 years old to use Expenmo. If you're under the age of majority where you live, you may only use Expenmo with the permission of a parent or guardian, who agrees to these Terms for you. If you use Expenmo on behalf of an organization, you confirm that you're allowed to accept these Terms for it.

2. Using Expenmo Without an Account

Without an account, your data is stored only on your device, and you're responsible for it. We can't see, recover or restore it. If you uninstall the app, clear your browser's data, or lose your device, your data may be lost. Use Settings > Export Data to keep a backup.

3. Accounts

Accounts are optional, and are needed for syncing between devices and sharing expenses with other people.
Your account is for you alone. Keep your sign-in details secure, and tell us at support@homeasync.com if you think someone else has accessed your account. You're responsible for what happens under your account.
You can delete your account at any time with Settings > Delete account, as described in the Privacy Policy.

4. Acceptable Use

You may use Expenmo only for lawful purposes and in line with these Terms. In particular, when using accounts, sharing or any other part of the Service that runs on our servers, you must not:

Use Expenmo for anything illegal, or to plan, record or help with illegal activity, including fraud or money laundering.
Harass, threaten, impersonate or deceive anyone, including through invites, names, notes or payment records.
Send invites to people you don't know or who haven't agreed to hear from you, or use invites to send spam.
Store content that is unlawful, infringes someone else's rights, or that you don't have the right to store, such as other people's sensitive personal information (for example, payment card or government ID numbers).
Try to access accounts or data that aren't yours, or get around the limits of what is shared with you.
Interfere with or disrupt the Service, put an unreasonable load on it, probe or test its security without our written permission, or use bots, scrapers or other automated means to access it, except through the apps we provide.
Copy, sell, resell or offer the Service to others, or reverse engineer it, except where the law allows this despite these Terms, or where an open source license for a component allows it.
Help or encourage anyone else to do any of these things.

5. Your Content

You keep ownership of everything you enter in Expenmo ("your content"), such as expenses, groups, names, notes and payment records. You give us permission to store, copy, process and display your content only as needed to run and improve the Service for you, including showing it to the people you choose to share it with. This permission ends when your content is deleted, except for copies that briefly remain in backups or logs as described in the Privacy Policy.

You're responsible for your content, including making sure you're allowed to enter other people's names and email addresses, and that inviting them is welcome.

6. Sharing and Payments Between People

You decide what to share and with whom. Once you share an expense, the other person can see it as described in the Privacy Policy. We aren't responsible for what other people do with what you share with them.
Expenmo only keeps a record of who paid what. It doesn't send, receive, hold or transfer money, and isn't a bank, payment service or money transmitter. Payments recorded in Expenmo aren't verified by us.
Any agreement, debt or disagreement about money is between you and the other people involved. We aren't a party to it and can't settle it.

7. Our Right to Remove Content and Suspend Accounts

We may, at our discretion, remove or disable access to any content stored on our servers, and suspend or close any account, if we believe it breaks these Terms, abuses or harms the Service or other people, creates legal risk for us, or if the law requires it. Where it's reasonable and lawful, we'll try to tell you and give you a chance to export your data first, but we don't have to, for example when doing so could cause harm or compromise an investigation. We aren't obliged to monitor content, and we're not responsible for content users store or share.

8. Changes to the Service, and Shutting It Down

We may change, add or remove features, limit how much data can be stored, or suspend or permanently shut down all or part of the Service (including accounts, syncing and sharing), at any time and for any reason. If we plan to shut down the online parts of the Service, we'll try to give you at least 30 days' notice in the app or by email so you can export your data, but we may not be able to in every situation. When the online parts of the Service shut down, data stored on our servers will be deleted.

We don't promise that the Service will always be available, uninterrupted or free of errors, or that data will never be lost. Please keep your own backups with Settings > Export Data.

9. Not Financial, Legal or Tax Advice

Expenmo is a tool for keeping track of shared expenses. Its totals, splits, reminders and other results are only as accurate as what's entered and depend on how its calculations work, so check anything important yourself. Nothing in Expenmo is financial, legal, tax or accounting advice.

10. Fees

Expenmo is currently free. If we ever add paid features, we'll tell you the price and terms before you're charged, and you won't be charged without agreeing first.

11. Our Intellectual Property

Expenmo, including its software, design, name and logo, belongs to HomeAsync LLC and is protected by law. We give you a personal, non-exclusive, non-transferable, revocable permission to use the apps for their intended purpose under these Terms. Open source components included in Expenmo are covered by their own licenses, listed in the Third-Party Notices.

12. Feedback

If you send us feedback or ideas, we may use them freely, without paying you or owing you anything.

13. Third-Party Services

Expenmo relies on services from other companies, such as sign-in providers (Auth0 and Google), app stores (Google Play) and the providers listed in the Privacy Policy. Your use of them may also be covered by their own terms, and we aren't responsible for them.

14. Disclaimer of Warranties

TO THE FULLEST EXTENT ALLOWED BY LAW, EXPENMO IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, OR THAT DATA WILL NOT BE LOST.

15. Limitation of Liability

TO THE FULLEST EXTENT ALLOWED BY LAW, HOMEASYNC LLC AND ITS OWNERS, MEMBERS, EMPLOYEES AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, PROFITS, REVENUE, GOODWILL OR MONEY OWED BETWEEN USERS, ARISING FROM OR RELATED TO EXPENMO OR THESE TERMS, EVEN IF WE WERE TOLD THEY WERE POSSIBLE. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO EXPENMO OR THESE TERMS IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US FOR EXPENMO IN THE 12 MONTHS BEFORE THE CLAIM, OR US $50.

Some places don't allow certain warranties to be excluded or liability to be limited, so some of the above may not apply to you. Nothing in these Terms limits rights you have under laws that can't be waived by agreement.

16. Indemnity

To the extent allowed by law, you agree to defend and compensate HomeAsync LLC and its owners, members, employees and contractors for any claims, losses, damages and costs (including reasonable legal fees) arising from your content, your use of Expenmo in breach of these Terms, or your breaking any law or someone else's rights.

17. Ending These Terms

You can stop using Expenmo at any time, and delete your account as described above. We may stop providing Expenmo to you, or close your account, as described in sections 7 and 8. Sections 5 (for content already shared), 6 and 9 through 20 continue to apply after these Terms end.

18. Disputes and Governing Law

If you have a problem with Expenmo, please contact us first at support@homeasync.com; most concerns can be resolved quickly that way. These Terms are governed by the laws of the State of Michigan and applicable United States federal law, without regard to conflict of law rules. Any dispute that isn't resolved informally will be handled exclusively in the state or federal courts located in Michigan, and you and we agree to their jurisdiction, unless the law where you live gives you the right to bring it in your local courts.

19. Changes to These Terms

We may update these Terms as Expenmo changes. If we make significant changes, we'll tell you in the app or by email (if you have an account) before they take effect, and update the effective date above. If you keep using Expenmo after the changes take effect, you accept the updated Terms. If you don't agree, stop using Expenmo and delete your account.

20. General

These Terms and the Privacy Policy are the whole agreement between you and us about Expenmo.
If any part of these Terms can't be enforced, the rest stays in effect.
If we don't enforce a part of these Terms right away, we haven't given up the right to enforce it later.
You can't transfer your rights under these Terms to anyone else. We may transfer ours, for example if Expenmo is sold or HomeAsync LLC is reorganized.
We aren't responsible for delays or failures caused by events outside our reasonable control, such as outages at our service providers.

21. Contact Information

For questions about these Terms, please contact us at:
HomeAsync LLC
Email: support@homeasync.com