Terms of Service

1. Eligibility & Account Registration

Age Requirement

You must be at least 18 years old to use Halfway. By creating an account, you represent and warrant that:

• You are 18 years of age or older
• You have the legal capacity to enter into this binding agreement
• You are not prohibited from using the service under applicable law

Account Creation

• You must provide accurate and complete information when creating your account
• You are responsible for maintaining the confidentiality of your login credentials
• You must notify us immediately of any unauthorized access to your account
• You may not share your account with others or create multiple accounts for yourself

Lawful Use

You agree to use Halfway only for lawful purposes and in compliance with all applicable federal, state, and local laws.

2. Services Provided

Halfway is a financial management tool designed for couples. Our services include:

• Expense tracking and categorization
• Budgeting tools and spending insights
• Expense splitting and settlement tracking
• Integration with financial institutions via Plaid
• AI-powered transaction categorization
• Financial reports and visualizations

Service Availability

Halfway is available in the United States, Canada, United Kingdom, and European Union (limited to countries supported by Plaid). We do not guarantee uninterrupted or error-free service, and we may modify or discontinue features at any time.

3. Not a Financial Advisor

4. Not a Bank or Financial Institution

5. Data Accuracy & User Responsibility

While we strive for accuracy, we cannot guarantee that all transaction data, categorizations, or calculations are 100% correct.

Your Responsibility

• You are responsible for reviewing your transactions and budgets for accuracy
• You should verify all data against your official bank statements
• You should report any discrepancies or errors to us promptly
• You are solely responsible for ensuring your tax filings and financial records are accurate

Data Delays

• Transaction data may be delayed due to bank processing times or Plaid synchronization
• Balances and transaction histories reflect information available at the time of sync
• Real-time accuracy is not guaranteed

6. Third-Party Services

Halfway integrates with third-party services to provide our features. You acknowledge and agree that:

Plaid

• By connecting your bank account, you authorize Plaid and Halfway to access your financial data in read-only mode
• You agree to Plaid's End User Privacy Policy
• We are not responsible for Plaid service outages, data inaccuracies, or connection failures
• Plaid availability is limited to supported financial institutions (over 12,000 in US, Canada, UK, and EU)

Stripe

• Payments are processed by Stripe. We do not store your credit card information
• You agree to Stripe's Services Agreement
• We are not responsible for Stripe payment processing failures or delays

OpenAI

• We use AI models to categorize transactions and provide insights
• AI suggestions may not always be accurate and should be reviewed by you
• We are not responsible for AI-generated errors or misclassifications

Third-Party Liability

We are not responsible for the actions, omissions, errors, or failures of any third-party service providers.Your use of third-party services is at your own risk and subject to their respective terms and policies.

7. Third-Party Financial Advisors

8. Promotional Offers & Discount Codes

From time to time, Halfway may offer promotional codes, discounts, referral bonuses, or special offers. The following terms apply to all promotions:

Promo Code Terms

• Subject to Terms at Redemption: Promotional offers are subject to the specific terms and conditions stated at the time of redemption
• Expiration Dates: Promo codes may have expiration dates and must be redeemed before expiration to be valid
• Usage Limits: Codes may be limited to:
  • One use per customer
  • First-time subscribers only
  • Specific subscription plans
  • A maximum number of total redemptions
• Cannot Be Combined: Unless explicitly stated, promotional codes cannot be combined with other offers, discounts, or promotions
• Non-Transferable: Promo codes are non-transferable and may not be sold or exchanged for cash

Discount Application

• Initial Period Only: Unless otherwise specified, discounts apply only to the initial billing period (e.g., first month or first year)
• Auto-Renewal at Full Price: After the promotional period ends, your subscription will automatically renew at the standard subscription price
• No Retroactive Application: Promotional codes cannot be applied retroactively to past charges or existing subscriptions

Referral Programs

• Referral bonuses or credits are subject to separate program terms
• Both referrer and referee may need to meet eligibility requirements (e.g., active paid subscription)
• Referral abuse or fraudulent referrals may result in forfeiture of credits and account suspension

Modification & Cancellation Rights

• Right to Modify: Halfway reserves the right to modify, suspend, or cancel any promotional offer at any time without prior notice
• Eligibility Changes: We may change eligibility requirements or redemption terms for future promotions
• Fraud Prevention: We reserve the right to invalidate promo codes obtained through fraudulent means or used in violation of terms

No Cash Value

Promotional discounts and credits have no cash value and cannot be redeemed for cash or refunds.

9. Mobile Application Terms

If you access Halfway through our mobile application (iOS or Android), additional terms apply:

App Store Terms

• Apple App Store: If you download the iOS app, you agree to Apple's Licensed Application End User License Agreement
• Google Play Store: If you download the Android app, you agree to Google's Google Play Terms of Service
• In-App Purchases: Subscription payments made through app stores are subject to the app store's payment and refund policies
• App Store Fees: App stores may charge their own fees or commissions on in-app purchases (separate from our subscription pricing)

Push Notifications

• Consent Required: By enabling push notifications, you consent to receiving:
  • Budget alerts and spending notifications
  • Transaction sync confirmations
  • Security alerts and account notifications
  • Service updates and feature announcements
• Opt-Out: You can disable push notifications at any time through your device settings
• Notification Content: Notifications may contain limited financial information (e.g., "Budget exceeded" or "New transaction"). Sensitive details are not included in notification previews

Biometric Authentication

• Optional Feature: Biometric login (fingerprint, Face ID, etc.) is an optional security feature
• Device Security: Biometric authentication relies on your device's built-in security features. We do not store biometric data on our servers
• Your Responsibility: You are responsible for maintaining the security of your device and any biometric profiles stored on it
• Shared Devices: Do not enable biometric authentication on shared or public devices. Anyone with registered biometric access on your device can access your Halfway account
• Fallback Authentication: You must maintain a password for account recovery in case biometric authentication fails

Device Permissions

The Halfway mobile app may request the following device permissions:

• Notifications: To send you budget alerts and account updates
• Biometric Access: For fingerprint/Face ID login (optional)
• Camera: To scan receipts or upload profile pictures (optional)
• Storage: To cache data locally for offline functionality

You can manage permissions through your device settings. Denying certain permissions may limit app functionality.

Offline Functionality

• Limited Offline Access: Some features may be available offline (e.g., viewing cached transactions), but full functionality requires an internet connection
• Data Sync: Changes made offline will sync to our servers when you reconnect to the internet
• Sync Delays: There may be delays in data synchronization depending on your connection quality
• Conflicts: If you make changes offline on multiple devices, the most recent sync typically takes precedence. We are not responsible for data conflicts resulting from offline usage

App Updates

• Automatic Updates: We recommend enabling automatic app updates to ensure you have the latest features and security patches
• Minimum Version: We may require a minimum app version to access certain features or maintain compatibility
• Discontinued Support: We may discontinue support for older app versions or operating systems with advance notice

Background Data Usage

• The app may sync data in the background to keep your transactions up-to-date
• Background sync frequency depends on your device settings and connection type
• You can disable background data usage through your device settings, but this may affect data freshness

Battery & Performance

• We optimize the app for battery efficiency, but frequent syncing and background processes may consume battery
• If you experience performance issues, try closing and restarting the app or clearing the app cache

Uninstalling the App

• Uninstalling the mobile app does not delete your Halfway account or data
• To permanently delete your account, you must use the in-app delete account feature or contact support
• Uninstalling may not cancel active subscriptions—you must cancel through the app or app store settings

8. Household Terms & Data Sharing

Halfway is designed for couples to manage finances together. Important terms regarding household accounts:

What Data is Shared

• When you invite a partner to your household, you explicitly agree to share:
  • Transactions marked as "shared" or "split"
  • Joint budget progress and spending insights
  • Household settings and preferences
• Personal transactions remain private unless you designate them as shared

Individual Responsibility

• Each person is responsible for their own transactions and financial obligations
• Halfway does not create joint liability between household members
• We are not responsible for disputes between household members regarding shared expenses

Removing a Partner

• Either partner can remove the other from the household at any time through app settings
• Removing a partner revokes their access to shared data going forward
• Historical shared data may remain visible to both parties as a record of past agreements

Household Dissolution

• If you dissolve your household, each person retains their own personal data
• Shared transaction history may be retained by both parties
• You are responsible for resolving any outstanding balances or settlements between partners

Consent and Trust

Important: You should only invite someone to your household if you trust them with your financial information. Be particularly cautious in situations involving:

• Domestic conflicts or abusive relationships
• Contested divorces or separations
• Financial disputes

We recommend consulting with a legal or financial professional if you have concerns about data sharing with a partner.

10. Subscriptions & Payments

Halfway operates on a subscription model with monthly or yearly billing.

Billing

• Payments are processed securely via Stripe
• By subscribing, you authorize us to charge your payment method for the agreed amount plus any applicable taxes
• Subscription fees are charged at the start of each billing period (monthly or yearly)

Automatic Renewal

• Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period
• You will be charged for the renewal at the then-current subscription price
• We will notify you in advance if there are any price changes

Price Changes

• We may change subscription prices at any time
• Price changes will not affect your current billing cycle
• We will notify you at least 30 days before any price increase takes effect
• You may cancel your subscription if you do not agree to the new price

Cancellation

• You may cancel your subscription at any time through the app settings or by contacting support
• Cancellation takes effect at the end of your current billing cycle
• You will retain access to premium features until the end of the paid period
• No partial refunds are provided for early cancellation

Refunds

• We generally do not offer refunds for partial subscription periods
• Refunds may be considered on a case-by-case basis for exceptional circumstances (e.g., technical issues, billing errors)
• To request a refund, contact us at hello@meethalfway.app within 14 days of the charge

Free Trial

• We may offer free trials from time to time
• You must provide payment information to start a free trial
• You will be automatically charged when the trial ends unless you cancel before the trial period expires

Taxes

• You are responsible for any applicable sales, use, or value-added taxes
• Prices displayed do not include taxes unless explicitly stated

11. Account Security

You are responsible for maintaining the security of your account. You agree to:

• Use a strong, unique password
• Not share your login credentials with anyone
• Enable two-factor authentication if available
• Notify us immediately if you suspect unauthorized access
• Log out of shared or public devices

Unauthorized Access

You are responsible for all activity that occurs under your account. We are not liable for any loss or damage resulting from unauthorized access due to your failure to maintain account security.

12. User Conduct

You agree not to:

• Use Halfway for any illegal activities or to violate any laws
• Attempt to reverse engineer, decompile, or disassemble any part of the service
• Interfere with or disrupt the service or servers/networks connected to the service
• Use automated systems (bots, scrapers) to access the service without our permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Share data or access belonging to another person without their explicit consent (e.g., connecting a partner's bank account without permission)
• Transmit any viruses, malware, or harmful code
• Use the service to harass, abuse, threaten, or harm others
• Violate any applicable laws or regulations

Consequences of Violations

Violation of these terms may result in immediate suspension or termination of your account without refund.

13. Data & Privacy

Your privacy is critical to us. Our use of your data is governed by our Privacy Policy. By using Halfway, you consent to the collection and use of your information as outlined therein, including the processing of your data by our third-party partners (Plaid, Stripe, OpenAI).

Key highlights:

• We do not sell your personal or financial data
• All data is encrypted at rest and in transit
• You can delete your account and data at any time
• We comply with GDPR, CCPA, and other applicable privacy laws

14. End User License Agreement (EULA) & Intellectual Property

Ownership

All rights, title, and interest in Halfway (including software, design, text, logos, trademarks, and other intellectual property) are the exclusive property of Success Bee LLC.

License Grant

You are granted a limited, non-exclusive, non-transferable, revocable license to use the app for your personal, non-commercial use on devices you own or control. This license is subject to your compliance with these Terms.

License Restrictions

You may not:

• Copy, modify, or create derivative works of the service
• Reverse engineer, decompile, or attempt to extract source code
• Remove any proprietary notices or labels
• Use our trademarks, logos, or branding without permission
• Resell, redistribute, sublicense, or rent the service
• Use the app on behalf of any third party without authorization

Third-Party Components

The app may include third-party libraries and open-source software governed by their own licenses. Such components are provided "as is."

User Content

You retain ownership of any data you input into Halfway (e.g., manual transactions, notes, custom categories). By using the service, you grant Success Bee LLC a limited license to use, store, and process your content solely to provide and improve the service. This license terminates when you delete your account.

License Termination

This license is effective until terminated. It terminates automatically if you violate these Terms or delete your account. Upon termination, you must cease all use of Halfway and delete any copies of the app from your devices.

App Store Acknowledgment

This EULA is between you and Success Bee LLC, not with Apple or Google. Apple and Google are not responsible for the app or its content. Apple and Google have no obligation to provide maintenance or support for the app. In the event of any failure to conform to applicable warranties, you may notify Apple or Google for a refund of the purchase price (if any); beyond that, Apple and Google have no warranty obligations. Apple and Google are not responsible for addressing any claims relating to the app. Apple is a third-party beneficiary of this EULA (as required by Apple).

15. Limitation of Liability

16. Warranty Disclaimers

17. Indemnification

You agree to indemnify, defend, and hold harmless Success Bee LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of Halfway
• Your violation of these Terms of Service
• Your violation of any rights of another person or entity
• Your violation of any applicable laws or regulations
• Any disputes with your household partner regarding shared data or expenses
• Unauthorized access to your account due to your failure to maintain security

This indemnification obligation survives termination of these Terms and your use of Halfway.

18. Dispute Resolution & Arbitration

19. Class Action Waiver

20. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles.

For any disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Virginia

21. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to causes beyond our reasonable control, including but not limited to:

• Acts of God (natural disasters, pandemics, etc.)
• War, terrorism, or civil unrest
• Government actions or regulations
• Internet or telecommunications failures
• Third-party service provider failures (e.g., Plaid, Stripe, cloud hosting providers)
• Cyberattacks, hacking, or data breaches affecting our infrastructure

In such events, our obligations will be suspended for the duration of the force majeure event.

22. Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of Halfway at any time, with or without notice.

• Feature Changes: We may add, remove, or modify features as we improve the service
• Service Suspension: We may suspend the service temporarily for maintenance or upgrades
• Discontinuation: If we discontinue the service entirely, we will provide at least 30 days' notice and offer refunds for unused subscription time

We are not liable for any losses resulting from modifications or discontinuation of the service.

23. Termination

Termination by You

• You may terminate your account at any time via the app settings
• Upon deletion, your data will be removed from our active databases in accordance with our Privacy Policy
• You will lose access to all premium features immediately upon account deletion
• Account deletion is permanent and cannot be undone

Termination by Us

We may suspend or terminate your access to Halfway immediately, without prior notice or liability, if:

• You violate these Terms of Service
• You engage in fraudulent or illegal activity
• You fail to pay subscription fees
• Your account has been inactive for an extended period
• We are required to do so by law or court order

Effect of Termination

• All licenses granted to you under these Terms will immediately terminate
• You must cease all use of Halfway
• Sections of these Terms that by their nature should survive termination will survive (e.g., intellectual property, indemnification, limitation of liability, arbitration)
• We are not obligated to provide refunds for terminations due to Terms violations

24. Changes to Terms

We may update these Terms of Service from time to time.

How We'll Notify You

• Material Changes: We will email you at least 30 days before any material changes take effect
• Minor Changes: We will update the "Last updated" date at the top of this page
• In-App Notification: For significant changes, we may also show an in-app notification

Your Options

• By continuing to use Halfway after changes become effective, you accept the updated Terms
• If you do not agree to the changes, you must stop using the service and delete your account before the changes take effect
• Your continued use constitutes acceptance of the new Terms

25. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

26. Assignment

You may not assign or transfer these Terms or your account to any other person or entity without our prior written consent. We may assign these Terms or any rights under them without restriction, including in connection with a merger, acquisition, or sale of assets.

27. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Success Bee LLC regarding your use of Halfway. They supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written.

28. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

29. Contact Us

If you have any questions about these Terms, please contact us at:
Success Bee LLC
Doing Business As: Halfway
Email: hello@meethalfway.app

For legal inquiries or notices, please use the subject line "Legal Notice" or "Terms Question."