Call It Even

Terms of Service

Last updated: 2026-06-25

These Terms of Service (“Terms”) are a binding agreement between you and Level Up Softwares (“Call It Even,” “we,” “us,” or “our”) and govern your access to and use of the Call It Even mobile applications, website, and related services (together, the “Service”). Please read them carefully.

Please read Section 11 (Disclaimers), Section 12 (Limitation of Liability), and Section 16 (Governing Law and Dispute Resolution) carefully. They affect your legal rights, including, where permitted, how disputes are resolved.

1. Acceptance of These Terms

By creating an account, accessing, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service. If you use the Service on behalf of an organization, you represent that you are authorized to accept these Terms on its behalf.

2. Eligibility and Age Requirements

You must be at least 13 years old to use the Service (or at least 16 in the European Union and other regions where a higher minimum age applies). If you are under the age of majority where you live, you may use the Service only with the involvement and consent of a parent or legal guardian. By using the Service, you represent that you meet these requirements and that the information you provide is accurate.

3. What Call It Even Is — and Is Not

Call It Even is a record-keeping and ledger tool that helps you and the people you choose track shared expenses, calculate balances, and record settlements. We do not process payments, hold funds, transfer money, or act as a bank, money transmitter, money services business, escrow agent, or payment processor.

  • When you mark a debt as “settled” or “paid,” you are simply recording that a payment happened outside the Service (for example, by cash, Venmo, PayPal, Zelle, or bank transfer). No money moves through Call It Even.
  • Balances, splits, and totals shown in the Service are calculations based solely on the information that you and other users enter. We do not verify their accuracy and are not a party to any agreement, debt, or transaction between users.
  • You are solely responsible for actually paying or collecting any amounts you owe or are owed, and for resolving any disputes about them directly with the other people involved.
  • The Service does not provide financial, accounting, tax, investment, or legal advice. Information in the Service is for general informational and personal record-keeping purposes only. Consult a qualified professional for advice about your particular situation.

4. Your Account and Security

To use most features you must create an account using a phone number (verified by a one-time SMS code), Google Sign-In, or Sign in with Apple. You agree to provide accurate information and keep it up to date. You are responsible for safeguarding access to your account and device, and for all activity that occurs under your account. Notify us promptly at [email protected] if you suspect unauthorized use. We are not liable for any loss arising from unauthorized use of your account that results from your failure to keep your credentials or device secure.

5. Acceptable Use

You agree not to, and not to attempt to:

  • use the Service for any unlawful, fraudulent, deceptive, or harmful purpose, including money laundering, harassment, or recording fictitious or illegitimate transactions;
  • upload or share content that is illegal, infringing, defamatory, obscene, hateful, or that violates the rights or privacy of others;
  • add another person’s contact details, or include another person in expenses, without a legitimate basis to do so;
  • impersonate any person or entity, or misrepresent your affiliation;
  • interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service, its servers, or networks;
  • probe, scan, or test the vulnerability of the Service, or breach or circumvent any security or authentication measures;
  • reverse engineer, decompile, or disassemble any part of the Service, except to the extent that restriction is prohibited by law;
  • use bots, scrapers, or other automated means to access or collect data from the Service without our permission; or
  • use the Service to send spam or unsolicited messages, or in a way that violates the rights of any third party or any applicable law.

6. User Content and License

“User Content” means the information you submit to the Service, such as expenses, descriptions, notes, group and trip names, profile details, and photos. You retain ownership of your User Content. By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, modify (for formatting and display), and display that content as necessary to operate, provide, secure, and improve the Service, including sharing it with the other users you choose to include. You represent that you have the necessary rights to your User Content and that it does not violate these Terms or any law or third-party right. You are responsible for the accuracy of your User Content; we are not.

7. Our Intellectual Property

The Service, including its software, design, text, graphics, logos, and the “Call It Even” name and marks, is owned by Level Up Softwares or its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use. We reserve all rights not expressly granted. You may not use our name, logos, or branding without our prior written permission.

8. Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it for any purpose without obligation or compensation to you.

9. Third-Party Services

The Service relies on and may interoperate with third-party services, including Google and Apple (sign-in), Twilio (SMS), the Apple Push Notification service, our cloud hosting provider, and analytics tools. Your use of those services may be subject to their own terms and privacy policies, and we are not responsible for them. The Service may also reference third-party payment apps you use to settle up; any payment you make through such an app is solely between you and that provider.

10. Suspension and Termination

You may stop using the Service and delete your account at any time. We may suspend, restrict, or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms or applicable law, if necessary to protect the Service or other users, or if we discontinue the Service. Upon termination, your right to use the Service ends. Sections that by their nature should survive termination — including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution — will survive.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT ANY CALCULATIONS, BALANCES, OR RECORDS WILL BE ACCURATE OR COMPLETE. YOU USE THE SERVICE, AND RELY ON ANY INFORMATION IN IT, AT YOUR OWN RISK. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LEVEL UP SOFTWARES AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE. THIS INCLUDES, WITHOUT LIMITATION, ANY DISPUTE, DEBT, OR PAYMENT BETWEEN YOU AND ANOTHER USER, AND ANY RELIANCE ON BALANCES OR RECORDS IN THE SERVICE.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM (WHICH, FOR A FREE SERVICE, MAY BE ZERO) OR (B) ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (such as for death or personal injury caused by negligence, or for fraud).

13. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless Level Up Softwares and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) your User Content; (c) your violation of these Terms or applicable law; or (d) your violation of the rights of any third party, including any dispute with another user over a debt, payment, or expense.

14. Changes to the Service

We are continually improving the Service and may add, change, or remove features, or suspend or discontinue the Service (or any part of it), at any time. Where reasonably practicable, we will give notice of material changes that significantly affect you.

15. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will post the updated Terms with a new “Last updated” date and, where appropriate, notify you through the Service or by email. Changes take effect when posted unless stated otherwise. Your continued use of the Service after changes take effect means you accept the revised Terms. If you do not agree, you must stop using the Service.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of [Jurisdiction/State], without regard to its conflict-of-laws rules, except where mandatory consumer-protection laws of your country of residence apply. Subject to those mandatory laws, you and we agree that the state and federal courts located in [Jurisdiction/State] will have jurisdiction over any disputes, unless an alternative dispute-resolution process is specified below.

Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by contacting us at [email protected]. We will try in good faith to resolve it.

[Optional — binding arbitration and class-action waiver. Where you and we agree, or where required by your local law, disputes may be resolved by binding individual arbitration rather than in court, and you and we waive any right to participate in a class action. This provision should be tailored to your jurisdiction and reviewed by counsel before use; some jurisdictions (including in the EU/UK) restrict or prohibit it.]

17. App Store Terms (iOS)

If you obtained the app from the Apple App Store, you acknowledge that these Terms are between you and us, not Apple, and that Apple is not responsible for the app or its content. Apple has no obligation to provide support or maintenance for the app. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You also agree to comply with all applicable App Store terms of use.

18. General

  • Entire agreement: these Terms and the documents referenced in them are the entire agreement between you and us regarding the Service.
  • Severability: if any provision is found unenforceable, the rest remains in effect.
  • No waiver: our failure to enforce any provision is not a waiver of it.
  • Assignment: you may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
  • Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control.
  • Relationship: these Terms do not create any partnership, agency, or employment relationship between you and us.

19. Contact Us

Questions about these Terms? Contact us at: