Terms of Use (GTC)
These terms govern the use of the mobile application "kwitto" and the related website kwitto.app. Please read them before registering — by registering you agree to these terms. This is a courtesy translation; the German version is authoritative.
1. Provider and scope
The provider and contracting party is stoneland-five, [company incl. legal form], [address] (hereinafter "we"). Contact: support@kwitto.app.
These terms apply to all users of kwitto. Deviating terms of users do not apply. You are a consumer if you use kwitto for purposes that are predominantly outside your trade, business or profession.
2. What kwitto provides
kwitto is an app for recording and splitting shared expenses: creating expenses, splitting them among participants, viewing balances and documenting settlement payments (the "core features"). Which core features remain available to you permanently without a license and which are limited in quantity after the trial period is set out in section 4.
kwitto is a tool for the private organisation of shared expenses — comparable to a shared notebook with a calculation function. It is not intended for business or tax accounting, for statutory record-keeping or evidence purposes, or as the sole record of economically significant transactions.
kwitto is not a payment service, accounting software or legal or tax advice. kwitto does not execute payments and does not hold money, credit balances or other assets; balances shown in kwitto are not claims against us and not deposits held with us.
The expenses, balances and settlement suggestions recorded in kwitto are informal records and calculation results based on user input. They are neither an acknowledgement of debt nor a contract and do not establish whether, or in what amount, claims exist; that is determined solely by the legal relationship between the users. Users are responsible for the accuracy and completeness of their entries; we do not review user content. Any claims between users (e.g. to settle a balance) exist solely between those users — kwitto is not a party to them and does not take part in resolving disagreements between users.
Software can never be entirely free of errors. Check calculation results before you pay or otherwise make financial decisions based on them — especially before an actual settlement. Exchange rates, conversions and approximations are provided for information only.
Payment details that kwitto displays or provides as a QR code (such as GiroCode) for banking apps are based on what users have entered. The QR code is a filling aid; kwitto does not verify whether the recipient and IBAN are correct or whether the amount is owed. Check the recipient, IBAN and amount in your banking app before you authorise the payment — the payment is carried out by you and your bank alone and is your responsibility.
Beyond the core features, kwitto offers additional features — such as the AI-assisted receipt recognition "Magic Scan", the receipt archive for keeping personal receipts, importing data from other apps including AI-assisted format detection, statistics, reports and exports, widgets or the cash book. Additional features are continuously developed; their specific scope and design follow from the current app version (changes: section 8).
Results of AI-assisted features are suggestions. AI works probabilistically; its results can be wrong, incomplete or misleading — even for seemingly clear inputs. Suggestions are shown to you before you accept them and it is for you to check them; nothing is applied unless you confirm it, and you are responsible for the content you save on that basis. We do not promise any particular recognition quality and do not warrant the availability of the underlying third-party interfaces. Which data is transmitted to which service provider is set out in the privacy policy.
The receipt archive is a storage and convenience feature. Information on warranty or statutory-guarantee periods — such as suggested end dates, status indicators or reminders — are non-binding reference values based on general assumptions (e.g. 24 months from the purchase date) or on the data you entered. They are not legal advice and no assurance that a claim exists, continues to exist or is enforceable. Whether and to what extent you hold warranty or guarantee claims against merchants or manufacturers is determined solely by your contractual relationship with them and the applicable law; you verify the relevant periods yourself. No claims against kwitto arise from such information; the liability rules in section 14 remain unaffected. [PLACEHOLDER CHECK: receipt-archive clause — final AT/DE alignment by legal counsel]
Terms used in kwitto
Terms such as "balance", "credit", "debts", "settled", "even" or "paid off" always refer in kwitto to the entries recorded by the users (their "notes"), not to the actual legal situation between them. In detail:
- Balance, credit, debts: non-binding calculation results derived from the recorded entries. They denote no deposit or liability held with us and no legally established claim between users.
- "Settled", "even", "paid off": the recorded entries add up arithmetically. Whether all claims have actually been satisfied is something we cannot and do not determine.
- Settlement, settlement payment: a suggestion calculated by kwitto or a payment documented by users. kwitto does not execute the payment and does not confirm its actual receipt.
- Suggestion: an automatically generated result (including AI-assisted results) that is only applied after your review and confirmation.
- Brand expressions such as "kwitto!" are design elements without declaratory meaning of their own.
3. Registration and account
Using kwitto requires a user account. You must provide accurate information when registering and keep your credentials confidential. One account per person is intended. Minimum age: [minimum age, e.g. 16 years].
You can delete your account at any time in the app (Profile → Delete account). Details on data processing are set out in the privacy policy.
4. Free services, trial period and basic scope
4.1 Trial period
After registering you can use kwitto to its full extent for the duration of the trial period — including the additional features that otherwise require a paid license (section 5). The trial period is currently 90 days from registration; the applicable duration is shown to you in the app. Once it has ended, the basic scope is available to you without a license.
The trial period is granted once per person. If you register again with an email address for which a trial period has already been used, no new trial period begins; the account then starts directly in the basic scope. How we determine this is explained in the privacy policy.
If you purchase a paid license during the trial period (section 5), the trial period ends with the purchase and the license term starts at that point. The days remaining until the regular end of the trial period are neither added to the license nor refunded.
4.2 Basic scope
In the basic scope, individual features may be limited in quantity (e.g. a number of new entries per calendar month) or reserved for license holders. The applicable basic scope — in particular the number of entries you can create per month without a license — is shown in the app before it affects you. Unused quantities do not carry over to the following month.
4.3 Always retained
Regardless of trial period and license, the following always remain available to you: access to your groups, viewing recorded expenses and balances, documenting settlement payments and exporting your data. A group is not restricted because individual members have no license.
4.4 Adjusting free services
We provide free services voluntarily; there is no entitlement to their unchanged continuation. We may adjust, restrict or discontinue the scope and design of free services — including the duration of the trial period for future registrations and the quantities in the basic scope — where there is a valid reason within the meaning of section 8. We will announce material restrictions in the app with reasonable notice; a trial period already running is not shortened by this, and the features listed in section 4.3 remain unaffected.
5. Paid licenses
Certain features require a paid license. Which features these are, which licenses exist and what they cost is shown in the app or in the relevant app store before purchase.
Purchases are made through the payment systems of the app store operators (Google Play, in future possibly Apple App Store); their terms and payment processes apply in addition. Licenses run for the period stated at purchase ([PLACEHOLDER: term/renewal model, e.g. annual license without automatic renewal]). The term starts with the purchase, even if a trial period is still running at that time (section 4.1).
Consumers have the statutory right of withdrawal. Where digital services are provided immediately, the right of withdrawal expires if you expressly consent to immediate performance and confirm your awareness of the expiry; for purchases via an app store, withdrawal is handled through its processes. [withdrawal instructions — final version by legal counsel]
6. Promotional and gift licenses
We may run time-limited promotions in which licenses are granted or can be gifted free of charge (e.g. gift licenses on registration via an invitation).
Promotional and gift licenses are voluntary gratuitous benefits. There is no entitlement to the running, continuation or repetition of promotions. The conditions stated in the promotion apply, in particular redemption periods and quotas; codes not redeemed in time expire. Promotional and gift licenses are non-transferable, cannot be paid out and do not themselves entitle the holder to gift further licenses. A license already redeemed remains valid for its promised term.
7. Quotas and fair use
Individual features that incur ongoing third-party costs — in particular the AI-assisted receipt recognition "Magic Scan" (including its use in the receipt archive) and the AI-assisted format detection used when importing data — are each available within their own usage quota. Storing new receipts in the receipt archive may be reserved for license holders after the trial period (section 4.2); receipts already stored remain viewable, shareable and exportable even then. The applicable quota is shown in the app ([PLACEHOLDER: reference values, e.g. "currently X scans and Y automatic format detections per month"]). The import itself is not subject to a quota; after the trial period it may be reserved for license holders (section 4.2).
We may adjust quotas for the reasons set out in section 8, in particular if the costs or conditions of the third-party providers we use change or to prevent abuse. If a quota is reduced more than insignificantly within a license period you have already paid for, the special termination right under section 8 applies.
8. Changes to the services
kwitto is continuously developed. We may modify the services beyond what is necessary to maintain conformity where there is a valid reason. Valid reasons include in particular:
- technical development, adaptation to new device and operating system versions,
- security, fraud and abuse prevention,
- changes in the law or official or court requirements,
- changes at third-party providers we use (e.g. costs, conditions, availability or discontinuation of AI interfaces, platform and store services),
- low usage of individual features making their continued operation uneconomical.
The following applies to changes: they are free of charge for you, the features listed in section 4.3 remain available, and we inform you clearly and comprehensibly in the app. If a change impairs your access to or use of a paid service more than insignificantly, we will inform you in advance in good time; in that case you may terminate the contract free of charge within 30 days of receiving the information or of the change, and you will be reimbursed pro rata for any fee already paid for the remaining license term. This does not apply if we enable you to keep the service unchanged at no additional cost.
For free services, section 4 applies.
9. Changes to these terms
We may amend these terms where there is a valid reason (e.g. changes in law or case law, new or changed features, changes to the license model for the future). We will inform you of material changes in the app; they only take effect if you actively consent. If you do not consent, you may continue to use kwitto to the previous extent until the end of a current license period; we may in that case terminate the contract ordinarily (section 12). Purely editorial amendments or amendments that are solely legally required and do not disadvantage you may be made with notice in the app.
10. User obligations
When using kwitto it is prohibited to:
- post unlawful or insulting content or content infringing third-party rights (e.g. in titles, comments, photos or receipts),
- record personal data of third parties without their consent beyond what the purpose of shared expense management requires,
- import data from other applications without being entitled to use that data, including any information it contains about third parties,
- disrupt the operation of the app, circumvent protection mechanisms, quotas or limits, or use the services in an automated or abusive manner,
- share credentials or use third-party accounts.
In case of violations we may remove content and suspend or terminate in accordance with section 12.
10.1 Reporting content
If you come across content in kwitto that violates these rules or is unlawful, you can report it in the app — for comments, people and groups via the menu of the respective entry. You can also contact us at datenschutz@kwitto.app.
We review incoming reports and decide on them within a reasonable time. Independently of this, you can block other people yourself at any time.
10.2 If we remove content
If we remove content or restrict your account, we will notify you via your in-app inbox, stating the reason, the underlying rule and the ways to object. Until the matter is resolved you may object at support@kwitto.app.
11. Rights of use and content
For the duration of use you receive a simple, non-transferable right to use the app as intended. You retain all rights to the content you post (expenses, receipts, photos, comments); you grant us the technically necessary rights to store and process this content and to display it to the authorized members of your groups.
12. Term, termination, suspension
You may stop using kwitto at any time and delete your account in the app. Paid licenses end upon expiry of their term; statutory warranty rights and the special termination right under section 8 remain unaffected.
We may terminate the contract on the use of free services with [notice period, e.g. four weeks] notice. In case of serious or repeated violations of these terms, we may temporarily suspend accounts or terminate the contract for cause; ongoing paid licenses are only ended without reimbursement in case of serious violations for which you are responsible.
Before deleting your account you can back up your data using the app's features (exports, data access request).
13. Availability
We strive for high availability but do not owe uninterrupted operation. Maintenance, updates and disruptions at third parties (app stores, cloud infrastructure, AI interfaces) may temporarily limit availability. Features marked as beta or preview may be changed or removed at any time.
14. Warranty and liability
Statutory warranty law for digital services applies to paid services.
We are liable without limitation for intent and gross negligence and for damage resulting from injury to life, body or health. In case of slight negligence we are only liable for the breach of essential contractual obligations (obligations whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance you may rely), limited to the foreseeable damage typical for the contract. Mandatory statutory liability rules (e.g. under product liability law) remain unaffected.
For free services we are liable — except for damage resulting from injury to life, body or health — only in cases of intent and gross negligence.
For loss of data we are liable only to the extent the loss would have occurred even with reasonable use of the backup options offered (in particular exports and the data access report).
We are not responsible for disruptions and outages caused by circumstances beyond our control — in particular third-party services (app stores, cloud infrastructure, AI interfaces, network operators) or force majeure — unless we are accountable for them.
We accept no liability for the accuracy of amounts entered by users or for the fulfilment of claims between users.
If you post content that infringes third-party rights and we are held liable by third parties as a result, you will indemnify us against those claims to the extent you are responsible for the infringement. [PLACEHOLDER: liability clause incl. free/paid differentiation and indemnity — final AT/DE alignment by legal counsel]
15. Privacy
Information on the processing of personal data is provided in the privacy policy, available in the app (Profile → Legal) and at kwitto.app/datenschutz-en.
16. Final provisions
Austrian law applies, excluding the UN Convention on Contracts for the International Sale of Goods and conflict-of-law rules. If you are a consumer, this choice of law applies only insofar as it does not deprive you of the protection of mandatory provisions of the law of the state in which you have your habitual residence.
For contracts with businesses, the exclusive place of jurisdiction is [court at registered office]. The statutory places of jurisdiction apply vis-à-vis consumers.
The German version of these terms is authoritative; translations are provided for information. Should individual provisions be invalid, the remainder of the contract remains valid; statutory law replaces the invalid provision.
We are neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board.