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This agreement (the “Agreement”) is entered into by and between you and BillPin Private Limited (“BillPin”) regarding your use of BillPin.com website, mobile application or associated products. By using BillPin, you are entering into this Agreement with BillPin and indicating that you agree to be bound by these terms and conditions. If you do not agree with these terms and conditions, please do not use the Service.

In human words:
You agree to the following if you choose to use BillPin. =)

1. Description of Service.
BillPin (the “Service”) is a free service from BillPin Private Limited (the “Company”) that offers a way to track and report shared expenses, payments and shared bills between people over time in a variety of ways. You understand and agree that the Service is provided on an AS IS and AS AVAILABLE basis. The Company disclaims all responsibility and liability for the availability, timeliness, security or reliability of the Service. The Company also reserves the right to modify, suspend or discontinue the Service with or without notice at any time and without any liability to you.

In human words:
BillPin is currently free, we will do our best to keep the service up, but please bare with us if it is down from time to time.

2. Non-binding Debts.
The Service allows users to report and track informal debts. These debts, as reported between users, are not legally binding. Furthermore, it is understood that a debt can be reported without all involved parties explicitly agreeing that such a debt is accurate or warranted. You affirm that the Service is not a financial institution, but is instead akin to a bulletin board whose accuracy and utility are determined on an individual basis by its users. You agree that the Service cannot guarantee the accuracy and validity of information entered by its users.

In human words:
Using BillPin to keep track of what you owe each other rocks, but you can’t use it in court.

3. Proper Use.
You agree that you will use the Service in compliance with all applicable local, state, national, and international laws, rules and regulations. You shall not, shall not agree to, and shall not authorize or encourage any third party to: (a) use the service to harass other users; (b) prevent others from using the Service; (c) use the Service for any fraudulent or inappropriate purpose. Any violation of the above may result in immediate termination of this Agreement, and may subject you to state and federal penalties and other legal consequences. The Company reserves the right, but shall have no obligation, to investigate your use of the Service in order to determine whether a violation of the Agreement has occurred or to comply with any applicable law, regulation, legal process or governmental request.

In human words:
You will ensure that using BillPin is legal where you are (can’t imagine why it won’t be though). And if FBI turns up at our doorstep, we may be forced to do what they ask coz, you know, they got guns and all.

4. Personal Use.
The Service is made available to you for your personal use only. You must provide current, accurate identification, contact, and other information that may be required as part of the registration process and/or continued use of the Service. You are responsible for maintaining the confidentiality of your Service password and account, and are responsible for all activities that occur thereunder. You may only display the content of the Service for your own personal use (i.e., non-commercial use) and may not otherwise copy, reproduce, alter, modify, create derivative works, or publicly display any content, without the prior written permission of the Company.

In human words:
BillPin is for personal use, yo.

5. Children’s Online Privacy.
Due to the Children’s Online Privacy Protection Act of 1998, you must be at least thirteen (13) years of age to use this Service.

In human words:
You are old enough to use Facebook.

6. User Representations and Warranties.
You represent and warrant that (a) all of the information provided by you to participate in the Services is correct and current; (b) all of the information provided by you about debts and credits between you and other members of the Service is correct and current; (c) you have all necessary right, power and authority to enter into this Agreement and to perform the acts required of you hereunder.

In human words:
You are who you say you are, k?

7. Refusal of service; Termination; Suspension.
The Company reserves the right in its sole discretion to refuse, suspend, or terminate the Service to anyone at any time without notice for any reason.

In human words:
If you be causing any trouble, we may have to ask you to leave.

8. Privacy.
As a condition to using the Service, you agree to the terms of the BillPin Privacy Policy as it may be updated from time to time. We understand that privacy is important to you. You do, however, agree that the Company may monitor, edit or disclose your personal information, including the content of your emails, if required to do so in order to comply with any valid legal process or governmental request (such as a search warrant, subpoena, statute, or court order), or as otherwise provided in these Terms of Use and the BillPin Privacy Policy. Personal information collected by the Company may be stored and processed in the United States, Singapore or any other country in which BillPin or its agents maintain facilities. By using the Service, you consent to any such transfer of information outside of your country.

In human words:
See our Privacy Policy below (we are really nice people)

9. Warranty.
The Company does not represent that the Service is reliable, accurate, complete, or otherwise valid. THE SERVICE IS PROVIDED “AS IS” WITH NO WARRANTY OF ANY KIND AND YOU USE THE SERVICE AT YOUR OWN RISK. BILLPIN EXPRESSLY DISCLAIMS ANY WARRANTY, EXPRESS OR IMPLIED, REGARDING THE SERVICE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES WILL BILLPIN BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH USE OF THE SERVICE WHETHER OR NOT YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES SHALL BILLPIN BE LIABLE TO YOU FOR ANY AMOUNT FOR SERVICES RENDERED PURSUANT TO THIS AGREEMENT.

In human words:
We try our best to delight you, but if it goes wrong somehow, please don’t sue us! 🙁

10. Indemnification.
You agree to hold harmless and indemnify the Company, and its employees, agents and representatives, from and against any third party claim arising from or in any way related to your use of the Service, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys’ fees, of every kind and nature.

In human words:
If someone tries to sue you ☹, we will try to help but we won’t be responsible.

11. Electronic Communication.
When you use the Site or send emails to BillPin, you are communicating with BillPin electronically. You consent to receive communications from BillPin electronically. BillPin will communicate with you by email or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

In human words:
You are cool with us emailing you.

12. Links.
To the maximum extent permitted by applicable law, you hereby release, and waive all claims against BillPin and its employees and agents from any and all liability for claims, damages (actual and consequential), costs and expenses (including litigation costs and attorneys’ fees) of every kind and nature, arising out of or in any way connected with use of the Service.

In human words:
Sometimes there are links to other sites; we are not responsible for them.

13. Liability.
To the maximum extent permitted by applicable law, you hereby release, and waive all claims against BillPin and its employees and agents from any and all liability for claims, damages (actual and consequential), costs and expenses (including litigation costs and attorneys’ fees) of every kind and nature, arising out of or in any way connected with use of the Service.

In human words:
We are not liable if something goes insane.

14. Modifications to the Agreement.
The Company shall have the right to modify the terms of this Agreement at any time. The new agreement shall be effective immediately.

In human words:
We may change this from time to time.

15. General.
Notwithstanding any other provisions of this agreement, or any general legal principles to the contrary, any provision of this agreement that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this agreement.

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section.

This agreement and the relationship between you and BillPin will be governed by the laws of the Singapore without regard to its conflict of law provisions. You and BillPin agree to submit to the personal jurisdiction of the federal and state courts located in Singapore with respect to any legal proceedings that may arise in connection with this agreement. The failure of BillPin to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. BillPin does not guarantee it will take action against all breaches of this agreement. Except as otherwise expressly provided in this agreement, there shall be no third-party beneficiaries to this agreement. This agreement constitutes the entire agreement between you and BillPin and governs your use of the Site, superseding any prior agreements between you and BillPin with respect to the Site.

In human words:
If things get complicated, let’s work it out in sunny Singapore!

“In human words” idea inspiration: our friends at SimpleHoney.com =)

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