Terms of Use

Effective: 5 August 2026

These terms are deliberately short and in plain language. By using the PayBack app you agree to them.

1. What PayBack is

PayBack is a tracker for splitting shared bills. It lets one person record a bill, share it with the table via QR code, and track who has said they've paid their share. That's all it is.

2. What PayBack is not

PayBack is not a bank, wallet, or payment service. It never holds, transfers, or processes money. Amounts shown in the app are informal IOUs between the people at your table. Payments happen entirely outside the app — typically as a direct bank transfer between friends — and are solely between the people involved. PayBack has no part in, and no responsibility for, whether anyone actually pays anyone.

3. Your part

• Enter honest amounts and only share bills with people who were actually part of them.
• Double-check payout details before sending money. A confirmed share in the app is a record of what people said, not proof a bank transfer happened.
• Don't use the app for anything unlawful, or to harass or mislead others.

4. Your data

How the app handles data is covered by the Privacy Policy — the short version is: no accounts, no tracking, and only the data you choose to enter.

5. Availability and changes

PayBack is provided free, as-is, and as-available. We may change, pause, or discontinue the service, and may update these terms — changes are published on this page with a new effective date. Bills rely on our server, so records may be unavailable or lost if the service is interrupted; don't treat the app as the only record of significant debts.

6. Liability

To the maximum extent permitted by law, PayBack and its maker are not liable for any losses arising from use of the app — including unpaid shares, mistyped amounts or payout details, or unavailability of the service. Nothing in these terms limits liability that cannot lawfully be limited.

7. Contact

Questions about these terms: [email protected]