Terms of Service

What PayUp is

PayUp is a tool for splitting shared receipts and working out who owes whom. It reads receipt photographs, apportions items, tax and tip between the people who ordered them, and reduces the resulting debts to the fewest payments that settle everyone up.

What PayUp is not

PayUp does not move money and does not hold funds. It is not a payment service, a bank, an escrow, or a money transmitter. It calculates what is owed; you and the people you are splitting with settle up between yourselves, by whatever means you already use.

The one payment PayUp does take is your own subscription, and that is handled by Stripe rather than by us — see below.

PayUp is also not an accounting record, a tax document, or financial advice. The arithmetic is designed to be correct to the cent, but it is yours to check and yours to act on.

Your account

You need an account to use PayUp, and you are responsible for what happens under it — including keeping your sign-in details to yourself. Tell us if you believe somebody else has access to it.

You may delete your account at any time. What that removes, and how, is described in the privacy policy.

Free and paid plans

The free plan starts with 3 receipts, and then allows 1 per calendar month. The paid plan allows 50 per calendar month and keeps receipt images for longer.

The two allowances behave differently and it is worth being precise about which is which. A monthly allowance arrives at the start of each calendar month and does not carry forward — anything unused at the end of the month is gone, on either plan. The free plan's opening 3 receipts are not a monthly allowance: they are a one-time amount, they are kept until you use them, and they do not expire. Once they are spent the free plan is 1 per calendar month from then on.

The paid plan costs $2.99 per year, charged once and renewing annually until you cancel. The price you see at checkout is the price charged; if it ever changes, existing subscriptions are told before their next renewal.

Cancelling, and what happens to the rest of your year

You can cancel at any time from Account settings, which opens Stripe's billing portal. Cancelling does not end your access immediately. You have paid through the end of the current period, so the paid plan continues until that date and then lapses on its own. Nothing is taken away early.

Because of that, cancelling part-way through a year is not refunded — you keep what you paid for instead. If a payment is taken and we cannot give you the subscription it was for, that payment is refunded in full, and the app will tell you so rather than leaving you to notice.

If a renewal payment fails, there is a short period in which the paid plan keeps working while Stripe retries. If it does not succeed, the account returns to the free plan; your trips and splits are not deleted.

Acceptable use

Use PayUp for splitting bills among people who have agreed to it. Do not use it to break the law, to upload material you have no right to upload, to impersonate somebody, or to attack the service or the people using it — including attempts to get at other users' data, circumvent the plan limits, or automate access at a scale that degrades it for others.

We may suspend or close an account that does these things. Where the circumstances allow it, we will say why first.

Availability, and things outside our control

PayUp is provided as-is and as-available, without warranties of any kind. We do not promise that it will be uninterrupted, that receipt reading will be accurate on every receipt, or that it will fit a particular purpose you have in mind.

Receipt reading is automated and gets things wrong — creased paper, poor light, unusual layouts. That is why the app shows you what it read and asks you to confirm it. The split is your responsibility to check before you act on it.

Limitation of liability

To the extent the law allows, PayUp is not liable for indirect or consequential loss, for money you paid or failed to collect from somebody else, or for anything arising from a split you acted on without checking. Where liability cannot be excluded, it is limited to the amount you have paid for PayUp in the twelve months before the claim — which, on the paid plan, is one annual subscription.

Nothing here limits liability that cannot lawfully be limited.

Changes to these terms

These terms may change as the product does. The date at the top of this page always reflects the current version. If a change materially affects what you are paying for, we will tell you before it takes effect — by email to the address on your account, or in the app. Continuing to use PayUp after that is acceptance of the revised terms.

Getting in touch

Questions about these terms, or about anything the app has done, can be raised from inside PayUp — sign in and use the help widget's Report an error option, which reaches the maintainer directly. It carries the page you were on, so it is the better route when you can reach it.

If you cannot sign in, or would rather not, contact@payup.cloud reaches the same person. For requests about your data specifically — deletion, or a copy of what is held — the privacy policy gives the address to use and what to include.