Terms of Service

Last updated: 28 August 2026 · Version: 2026-08-v1

These Terms of Service ("Terms") govern your use of the PlixoPay application and website at plixopay.com (the "Service").

PlixoPay is the commercial name under which the Service is provided. The Service is operated in Spain by Edgar Adrian Padilla Raza, acting as a self-employed individual (autónomo), with Spanish tax identification number 60142016Y, address at Basses de Sant Pere 10, 08003 Barcelona, Spain, and contact email hola@plixopay.com ("PlixoPay", "we", "us", or "our").

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

1. Description of the Service

PlixoPay is a group expense-splitting Progressive Web Application (PWA). It allows users to:

• Create and join events or recurring groups to track shared expenses.
• Record, split, and settle expenses among group members.
• Send and receive money settlements between members using payment methods connected via Stripe.
• Invite other users via shareable links or QR codes.

The Service is provided on an "as-is" and "as-available" basis. We may modify, suspend, or discontinue all or part of the Service where reasonably necessary, including for security, legal, regulatory, technical, or business reasons. Where a change materially and adversely affects users, we will provide reasonable advance notice where practicable.

Nothing in these Terms affects any statutory rights that cannot lawfully be excluded or limited.

2. Eligibility and Account Registration

• You must be at least 18 years old to use the Service.
• You must provide accurate, current, and complete information when creating your account and keep it up to date.
• You are responsible for maintaining the confidentiality of your password and for all activity under your account.
• You may not create more than one personal account. Accounts are non-transferable.
• We may refuse registration or suspend or terminate an account where reasonably necessary, including where these Terms are breached, where we reasonably suspect fraud or unlawful activity, where necessary to protect users or the Service, or where required by law, Stripe, another payment provider, or a competent authority.

3. User Responsibilities

By using the Service you agree that you will not:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations, including EU and Spanish law.
• Record expenses or request payments for fraudulent, fictitious, or deceptive purposes.
• Use another person's payment method or financial information without their authorisation.
• Attempt to gain unauthorised access to any part of the Service or its infrastructure.
• Reverse-engineer, scrape, or otherwise misuse the Service or its APIs.
• Upload or transmit any harmful, offensive, or illegal content.
• Interfere with other users' use and enjoyment of the Service.

You are solely responsible for the accuracy of expenses you record and for resolving any disputes with other group members arising from those expenses. PlixoPay is a tool to facilitate splitting — we do not adjudicate financial disputes between users.

4. Payment Processing

Payment functionality made available through PlixoPay is provided using Stripe and its applicable affiliates and services.

Depending on the functionality you use and your role in a transaction, Stripe may require you to accept additional Stripe terms or complete identity, account, or payment-method verification. Where this applies, the relevant Stripe terms will be presented through the applicable onboarding or payment flow.

If you are enabled to receive Stripe-processed settlements through PlixoPay, you may be required to establish and maintain a Stripe Connected Account. To the extent necessary to provide the Service, you authorise PlixoPay to submit payment and transfer instructions to Stripe, receive information about the status of transactions and your connected account, and perform other activity through Stripe that is reasonably necessary to facilitate settlements you request or receive through PlixoPay.

• PlixoPay does not store raw card numbers or full banking credentials. Payment credentials are handled by Stripe or the applicable payment provider.
• Payment processing and settlement times may depend on Stripe, card networks, banks, and other financial institutions and may therefore be outside PlixoPay's direct control.
• Refunds, reversals, disputes, and chargebacks may be processed through Stripe where applicable. Nothing in this Section limits any rights or remedies available under mandatory applicable law.

5. Fees

PlixoPay charges a service fee when you choose to complete a settlement using PlixoPay's in-platform settlement functionality, including Regular Event settlements, Living Expenses period settlements, and Flash payments.

The PlixoPay service fee is charged by PlixoPay for providing and facilitating the in-platform settlement functionality. It is separate from, and in addition to, the amount owed between users and is not payable to another user in your group.

If an in-platform settlement fails or is cancelled before completion, no PlixoPay service fee will be retained. If a completed payment is reversed — whether because of an error attributable to PlixoPay or because the receiving user issues a refund for any other reason, including a disagreement between users about the underlying expense or debt — the associated PlixoPay service fee is refunded together with the settlement amount.

We may change our fee structure, including the percentage component, fixed component, or transaction threshold, for valid reasons such as changes to operating costs, third-party provider costs, product functionality, regulatory requirements, or our business model. We will notify users of material fee changes in advance by email, in-app notification, or another durable medium and will provide at least the longer of 30 days and any minimum notice period required by applicable law before the change takes effect. Where applicable law requires express consent to a change, we will request it. Where you do not accept a proposed change, you may stop using the affected paid functionality and may close your account before the change takes effect.

The Fee Schedule identifies the rates currently in force and their effective date. All consumer-facing prices displayed by PlixoPay will include applicable taxes where required by law.

6. Intellectual Property

All content, design, trademarks, logos, and software forming the Service are owned by or licensed to PlixoPay and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works of any part of the Service without our prior written consent.

You retain ownership of any content you submit (e.g., expense descriptions, group names). By submitting content you grant us a non-exclusive, royalty-free licence to store, display, and process that content solely to provide the Service to you and other group members.

7. Service Availability and Calculations

We take reasonable care in providing the Service but cannot guarantee that it will operate without interruption or technical errors at all times.

You are responsible for ensuring that expense amounts, descriptions, participants, and other information you enter into PlixoPay are accurate.

PlixoPay is not responsible for disagreements between users about whether an expense was incurred, who participated in it, or how an expense should have been divided where the relevant information was entered or agreed by the users themselves.

Nothing in this Section excludes or limits PlixoPay's responsibility for errors attributable to PlixoPay or any rights available to consumers under mandatory applicable law.

8. Limitation of Liability

Nothing in these Terms excludes or limits liability where doing so would be prohibited by applicable law, including liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, or mandatory consumer rights.

To the extent permitted by applicable law, PlixoPay will not be responsible for losses caused exclusively by:

• inaccurate or incomplete information entered by users;
• disputes between users concerning the existence or allocation of an underlying expense;
• a user's unauthorised or unlawful use of another person's payment method;
• outages or failures of independent third-party services that are outside PlixoPay's reasonable control, except where PlixoPay is legally responsible for those failures; or
• events outside PlixoPay's reasonable control.

Nothing in these Terms limits your rights in relation to a failure by PlixoPay to provide the Service in accordance with applicable mandatory consumer law.

9. Termination

You may close your account at any time through functionality provided in the Service or by contacting hola@plixopay.com.

We may suspend or terminate your account where reasonably necessary, including where you materially breach these Terms, engage in fraudulent, abusive, or unlawful activity, create a security risk, misuse payment functionality, or where suspension or termination is required by Stripe, another service provider, law, regulation, court order, or competent authority.

Where reasonably possible and legally permitted, we will provide advance notice before terminating an account. Immediate suspension or termination may be used where necessary to prevent fraud, security incidents, harm to users, unlawful activity, or regulatory or contractual violations.

Termination does not affect rights and obligations that arose before termination or provisions that by their nature are intended to survive termination (including but not limited to Sections 7, 8, 10, and 11).

10. Changes to These Terms

We may update these Terms where reasonably necessary to reflect changes in applicable law or regulation, security requirements, third-party services, the functionality of PlixoPay, our fee or business model, or other legitimate operational reasons.

Where a change materially affects your rights or obligations, we will notify you in advance by email, in-app notification, or another durable medium, giving at least 30 days' notice or any longer minimum notice period required by applicable law. Where applicable law requires your express acceptance of a change, we will obtain it before the change becomes binding on you.

If you do not agree to a material change, you may stop using the Service and close your account before the change takes effect. Changes required immediately by law, regulation, security considerations, fraud prevention, or a competent authority may take effect sooner where legally permitted.

11. Governing Law and Dispute Resolution

These Terms are governed by Spanish law.

If you are a consumer residing in another country, this choice of law does not deprive you of any mandatory consumer protections applicable to you under the law that would otherwise apply.

Any dispute arising from these Terms or the Service may be brought before the courts having jurisdiction under applicable law. Nothing in these Terms limits a consumer's right to bring proceedings before the courts of their place of residence where applicable law provides that right.

Where an applicable consumer alternative dispute resolution mechanism is available and PlixoPay is required or has agreed to participate in it, information on how to access that mechanism will be provided to the consumer.