Terms of Service

1. Acceptance of Terms

By accessing or using the PayNote mobile application and website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

PayNote provides a tool for tracking informal debts, project expenses, and payments. The service is provided "as is" and is intended for personal organization purposes only.

3. User Responsibilities

• You are responsible for maintaining the confidentiality of your account.
• You are responsible for the accuracy of all data you input into the app.
• You agree not to use the service for any illegal or unauthorized purpose.

4. Limitation of Liability

PayNote is not a financial institution and does not provide financial, legal, or tax advice. We are not liable for any financial losses, disputes between users and third parties, or data entry errors.

5. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.