Terms & Conditions
Last updated: 7 October 2026
1. Acceptance
By accessing or using Pangoo, you agree to these Terms & Conditions. Update these terms with your final legal entity name and jurisdiction before production launch.
2. Pangoo service
Pangoo provides tools for recording, splitting and tracking shared expenses and settlements. Additional personal finance functionality may be introduced over time.
3. User responsibilities
- Provide accurate account information.
- Keep account credentials secure.
- Enter expense and settlement information responsibly.
- Do not misuse the service, interfere with security or access another person's account without authorization.
4. Financial records
Pangoo's calculations are intended to assist users in tracking shared expenses. Users remain responsible for reviewing amounts, payment obligations and settlement records. Pangoo is not a bank, investment adviser or accounting service unless explicitly stated otherwise.
5. Availability
We may update, maintain, suspend or modify parts of Pangoo to improve security, reliability or features.
6. Intellectual property
Pangoo branding, application design, software and original content are protected by applicable intellectual property laws unless otherwise stated.
7. Limitation
To the extent permitted by applicable law, Pangoo is provided subject to applicable disclaimers and limitations of liability. Replace this section with legal wording appropriate to your business and jurisdiction before launch.
8. Changes
These terms may be updated when Pangoo's services or legal requirements change. Continued use after an effective update may constitute acceptance where permitted by law.
9. Contact
For support or terms-related questions, contact [email protected].