Terms of Service

These terms are the agreement between you and us when you use the Halv app or this website. The short version: use Halv honestly, your data is handled as described in our Privacy Policy, and Halv keeps track of who owes whom — it doesn't move money.

Who we are

Halv is provided by Rafał Małczyński, doing business as MobileBay Rafał Małczyński, Olesińska 11, 05-831 Parole, Poland · NIP 5272961897 · REGON 389234038. Contact: hello@halv.money.

The service

Halv lets you record shared expenses, split them with other people, scan receipts, and see who owes whom. Using Halv is free; some features are paid upgrades.

Balances in Halv are bookkeeping between you and the people you split with. Halv is not a bank, payment service or money transmitter, and no money moves through Halv. Settling up happens outside the app, between you. Halv doesn't give financial, tax or legal advice, and a balance in Halv isn't a legal determination of a debt.

To use Halv you need an iPhone with iOS 18 or later, or an Android phone with Android 12 or later, an internet connection for syncing, and an email address or an Apple or Google account.

Your account

You must be at least 16 years old to use Halv. Give us accurate information and keep your sign-in details to yourself — you're responsible for what happens on your account.

Your content

The expenses, groups, receipts, photos and names you add to Halv are yours. By adding them you let us store, process and sync them so the service works — including showing shared expenses and balances to the other people who are part of them. That's the only reason we use your content.

You're responsible for what you enter. When you add someone who isn't on Halv, or upload a photo, make sure you're allowed to — for example, that the people you split with know you're recording shared costs in Halv.

Fair use

Don't use Halv to break the law, harass people, or record fraudulent debts. Don't post content that is unlawful or infringes someone else's rights. Don't try to break, probe or overload the service, access other people's data, or reverse-engineer the app beyond what the law expressly permits.

Upgrades and purchases

Halv includes a few free receipt scans. Paid upgrades add more — for example a pass for a trip or a group for a set number of days, or a one-time lifetime upgrade. Each upgrade's price and what it includes are shown in the app before you buy. Upgrades are one-time purchases and don't renew automatically.

Purchases are made through Apple's App Store or Google Play, under their terms and billing, and refunds are handled by the store you bought from. If a purchase you've used is refunded, the upgrade and your free scans are reset. We may change prices and what future upgrades include, but not what you've already bought. Your statutory rights as a consumer are not affected.

Availability and changes to Halv

We work to keep Halv available and your data intact, but we can't promise it will always be uninterrupted or error-free. We keep improving Halv, so features can change. If we ever shut Halv down, we'll give you reasonable notice first so you can take out what you need.

Complaints

If something doesn't work the way these terms promise, email hello@halv.money with a short description of the problem and the email address on your account. We'll reply within 14 days.

If you're a consumer, you can also get free help from your local consumer ombudsman (in Poland, the miejski or powiatowy rzecznik konsumentów) or your country's consumer body.

Leaving

You can stop using Halv at any time and delete your account in the app (Settings → your profile → Delete account) or as described on Delete your Halv account. Expenses you shared with others stay part of their records, as explained in the Privacy Policy.

If you seriously or repeatedly break these terms, we may suspend or close your account. We'll tell you why, and you can reply to us before it becomes final, unless the law or someone's safety requires us to act at once.

Responsibility

We're not a party to — or responsible for — the debts and settlements between you and the people you split with. Nothing in these terms limits your statutory rights as a consumer or our liability where the law doesn't allow it to be limited.

Changes to these terms

If we change these terms materially, we'll tell you in the app at least 14 days before the change applies. If you don't agree with the change, you can delete your account before then; if you keep using Halv after that, the new terms apply.

Governing law

These terms are governed by Polish law. If you're a consumer, you keep the protection of the mandatory consumer laws of the country where you live, and you can take a dispute to the courts there.

Contact

Questions about these terms: hello@halv.money.