Terms of Service

Effective date: June 3, 2026

Welcome to Fenla. These Terms of Service ("Terms") are a legal agreement between you and Fenla ("Fenla", "we", "us", or "our") and govern your access to and use of the Fenla mobile application and related services (together, the "Service").

By creating an account, checking the box to accept these Terms, or otherwise using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Service.

1. Who May Use the Service

You must be at least 13 years old to use Fenla. If you are in the European Economic Area (EEA) or the United Kingdom, you must be at least 16, or have the consent of a parent or guardian where required by law. By using the Service, you represent that you meet these requirements and that you are able to enter into a binding agreement.

You are responsible for ensuring that your use of the Service complies with all laws that apply to you.

2. Your Account

To use most features, you must create an account with a valid email address, a nickname, and a password.

• Provide accurate and complete information, and keep it up to date.
• You are responsible for keeping your password secure and for all activity that happens under your account.
• Do not share your account or let anyone else use it.
• Notify us promptly at the contact address below if you believe your account has been compromised.

Nicknames are unique and case-insensitive. We may reclaim or reassign a nickname in limited circumstances, such as inactivity or a violation of these Terms.

3. What Fenla Does

Fenla helps friends record and split shared expenses. You can create bills, add items and participants, choose how a bill is split, and keep track of who owes whom. Fenla calculates balances between you and your friends and lets you record payouts to mark debts as settled.

4. Fenla Is Not a Payment Service

Fenla does not move, hold, process, or transfer money. Balances and payouts in the app are records that you and your friends create to keep track of shared expenses. Recording a payout in Fenla does not, by itself, transfer any funds.

• You are solely responsible for actually settling any amounts you owe, using whatever method you and the other person agree on.
• Fenla is not a bank, money transmitter, payment processor, escrow service, or financial institution.
• Nothing in the Service is financial, accounting, tax, or legal advice.

While we work to calculate balances accurately, you are responsible for reviewing your bills and balances and for resolving any disputes directly with the people involved.

5. Your Content

The Service lets you create and store content, such as bills, item descriptions, notes, your nickname, and your bio ("Your Content").

• You retain ownership of Your Content.
• You grant Fenla a worldwide, non-exclusive, royalty-free license to host, store, reproduce, and display Your Content solely as needed to operate, maintain, and improve the Service.
• You are responsible for Your Content and represent that you have the rights to share it and that it does not violate these Terms or any law or third-party rights.

6. Acceptable Use

When using the Service, you agree not to:

• Use the Service for any unlawful, fraudulent, or deceptive purpose, including recording false or misleading expenses.
• Harass, abuse, threaten, impersonate, or defraud any other person.
• Upload content that is illegal, infringing, defamatory, or otherwise objectionable.
• Attempt to access accounts, data, or systems that you are not authorized to access.
• Probe, scan, or test the vulnerability of the Service, or circumvent any security or authentication measures.
• Reverse engineer, decompile, or attempt to extract source code, except where this restriction is prohibited by law.
• Interfere with or disrupt the Service, or use bots, scrapers, or automated means to access it without our permission.
• Send spam or unsolicited messages through the Service.

We may investigate and take appropriate action against anyone who, in our judgment, violates this section.

7. Friends and Other Users

Fenla is built around interactions with other people. When you add a friend, create a shared bill, or record a payout, certain information is shared with the people involved (see our Privacy Policy).

Any expenses, balances, or disputes between you and other users are solely between you and them. Fenla provides tools such as freezing a bill to help you manage disagreements, but we are not a party to, and are not responsible for, disputes between users.

8. Intellectual Property

The Service, including its software, design, branding, and the "Fenla" name and logo, is owned by Fenla and its licensors and is protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own non-commercial use, subject to these Terms. We reserve all rights not expressly granted.

9. Third-Party Services

The Service relies on third-party infrastructure and may link to or integrate with third-party services. We are not responsible for third-party services, and your use of them may be governed by their own terms and privacy policies.

10. Privacy

Your privacy matters to us. Our Privacy Policy explains what information we collect, how we use it, and the choices you have. By using the Service, you agree to our Privacy Policy.

11. Termination

You may stop using the Service and delete your account at any time.

We may suspend or terminate your access to the Service, with or without notice, if you violate these Terms, if we are required to by law, or if we discontinue the Service. Upon termination, your right to use the Service ends. Sections that by their nature should survive termination — including ownership, disclaimers, limitation of liability, and indemnification — will survive.

12. Disclaimers

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Fenla is an evolving product and may contain errors. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any balance, calculation, or record will be accurate or meet your expectations. You are responsible for verifying important information.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

13. Limitation of Liability

To the maximum extent permitted by law, Fenla and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Service.

To the maximum extent permitted by law, our total liability for all claims relating to the Service will not exceed the greater of (a) the amount you paid us, if any, to use the Service in the twelve months before the claim, or (b) twenty U.S. dollars (USD 20).

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.

14. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Fenla from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, Your Content, or your violation of these Terms or of any law or third-party right.

15. Changes to the Service and These Terms

We may modify or discontinue all or part of the Service at any time. We may also update these Terms from time to time. If we make material changes, we will take reasonable steps to notify you, such as by posting the updated Terms in the app or by other means. Changes are effective when posted unless stated otherwise. By continuing to use the Service after changes take effect, you agree to the updated Terms.

16. Governing Law and Disputes

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Service will be resolved in the courts located in the State of Texas, United States, unless applicable law gives you the right to bring a claim elsewhere. Nothing in these Terms limits any mandatory consumer-protection rights you may have under the laws of your place of residence.

17. General

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Fenla regarding the Service.
• Severability. If any provision is found unenforceable, the remaining provisions stay in effect.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.

18. Contact Us

If you have questions about these Terms, contact us at:

Email: [email protected]