Terms & Conditions

Last Updated: May 22, 2025

Welcome to Pardner Pal! These Terms and Conditions ("Terms") govern your use of the Pardner Pal mobile application ("App", "Service"), developed to help users create groups, contribute funds, and support emergency needs within their communities.

By registering or using the App, you agree to the following:

1. Acceptance of Terms

By downloading or using PardnerPal, you agree to these Terms and Conditions. If you do not accept them, please discontinue use immediately. These terms govern your rights, responsibilities, and use of the app.

2. Definitions

• "App" refers to PardnerPal, including all services, features, and updates.
• "Banker" refers to a user who manages contributions within a savings group.
• "User" refers to anyone who downloads, registers, or interacts with the app.

3. Intellectual Property & Usage Restrictions

• All trademarks, copyrights, and database rights belong to PardnerPal Ltd.
• Users may not copy, modify, translate, or reverse-engineer any part of the app.
• Unauthorized reproduction of PardnerPal's branding or software is prohibited.

4. Account Registration & User Responsibilities

• You must provide accurate information during registration.
• You are responsible for keeping your login credentials secure.
• PardnerPal is not liable for unauthorized access caused by weak passwords or shared credentials.

5. App Modifications & Charges

• PardnerPal reserves the right to update or modify the app at any time.
• Users will be notified of any paid features, with transparent pricing details before any charges occur.

6. Third-Party Services & External Links

• The app integrates third-party services for analytics, payments, and advertising.
• PardnerPal is not responsible for third-party service failures.
• Users must review third-party terms before using external services within the app.
• Third-party providers include:
  • Google Play Services
  • AdMobFirebase
  • Crashlytics
  • Mixpanel

7. Connectivity, Data Usage & Mobile Charges

• Some features require internet access—Wi-Fi or mobile data.
• Users are responsible for any data charges from their mobile network provider.
• PardnerPal is not liable for connectivity issues or third-party data fees.

8. Consumer Rights & Refunds

• Users have the right to cancel paid subscriptions in accordance with UK and EU consumer laws.
• Refunds are subject to review based on usage and technical issues.
• Any disputes regarding payments will follow UK & EU consumer protection laws.

9. Liability & Risk Disclaimer

• PardnerPal is not responsible for financial losses or failed transactions.
• The app is provided "as is", without guarantees of uninterrupted service.
• Users should exercise financial caution and verify all transactions independently.

10. Account Suspension & Termination

• PardnerPal may suspend or terminate accounts that violate terms or engage in fraudulent activity.
• Users can delete their account and request removal of personal data.

11. User Data, Privacy & GDPR Compliance

PardnerPal adheres to GDPR standards for user data protection.

Users have the right to:

• ✔ Request data deletion at any time
• ✔ Access and update personal information
• ✔ Obtain a copy of stored data (data portability)

Our Privacy Policy details how data is stored and processed — available [here] (insert link).

12. Updates & Software Support

• Users must accept updates to continue using PardnerPal.
• PardnerPal may discontinue the app at any time, with advance notice.

13. Governing Law & Dispute Resolution

• These terms are governed by UK and EU laws.
• Any disputes will be resolved through arbitration or legal proceedings in compliance with consumer protection regulations.

14. Changes to Terms & Contact Information

• We may update these Terms and Conditions, with changes communicated via the app or email.
• For inquiries, contact 📧 info@pardnerpal.com