Terms of Use
Acceptance of Terms
By downloading, installing, or using Divvy ("the App"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the App.
Description of Service
Divvy is a personal finance tool designed to help you manage and track payments to creditors. The App allows you to:
- Track creditors and outstanding bills
- Organize creditors into priority bands
- Allocate available funds across creditors
- Send payment notification emails to creditors
- Sync data across your devices via iCloud
User Responsibilities
You are responsible for:
- The accuracy of information you enter into the App
- Maintaining the security of your device and Apple ID
- Any communications sent through the App to your creditors
- Ensuring you have the right to use email addresses you enter
- Complying with all applicable laws regarding your financial obligations
Not Financial Advice
Important: Divvy is a tool for organizing and tracking your payments. It does not provide financial, legal, or debt counseling advice. The App's allocation suggestions are based solely on the percentages you configure and do not constitute professional financial guidance.
For financial advice, please consult a qualified financial advisor or credit counselor.
In-App Purchases
Divvy offers a one-time "Pro" upgrade that unlocks additional features. All purchases are processed through Apple's App Store and are subject to Apple's terms and conditions. Refunds are handled by Apple according to their refund policy.
Email Services
The App allows you to send payment notification emails to your creditors. By using this feature, you agree that:
- You will only send emails to legitimate creditors
- You will not use the email feature for spam or harassment
- You are responsible for the content of emails sent
- We may suspend email privileges if misuse is detected
Intellectual Property
The App, including its design, features, and content, is owned by us and protected by copyright and other intellectual property laws. You may not copy, modify, or distribute the App without our permission.
Disclaimer of Warranties
The App is provided "as is" without warranties of any kind. We do not guarantee that the App will be error-free, uninterrupted, or meet your specific requirements. We are not responsible for any financial decisions you make based on information in the App.
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App, including but not limited to:
- Errors in payment calculations or allocations
- Loss of data
- Failed email deliveries
- Any financial losses
Termination
We reserve the right to terminate or suspend your access to the App at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or us.
Changes to Terms
We may modify these Terms at any time. Continued use of the App after changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of New Zealand, without regard to conflict of law principles.
Contact Us
If you have questions about these Terms, please contact us at:
Last Updated: February 18, 2026