Terms and Conditions

These Terms and Conditions (“Terms”) govern access to and use of the Give & Take mobile application (“App”) and related institutional website, provided by Andrea Cherchi (“we”, “us”, “Provider”), operating under the Give & Take brand.

By using the App or creating an account, you confirm that you have read and accept these Terms and the Privacy Policy. If you do not agree, do not use the App.

1. Who we are

Andrea Cherchi
Brand: Give & Take
VAT (P.IVA): 04019130923
Info: info@andylab.it
Privacy: privacy@andylab.it
Website: give-take.app
API: api.give-take.app

2. What Give & Take is

The App is a personal tool to organise and remember:

• money loans (credits / debts) between you and your contacts
• items you lend or borrow
• shared expenses (splits) and shares
• due dates and local reminders
• personal contacts (address book, manual entry or QR)
• voice-assisted search and creation (on-device)
• Pro features via in-app subscription (Apple)

Give & Take is not a payment institution, bank, financial intermediary, debt-collection service, or a tool that automatically creates legal proof of a debt. Entries reflect what you record. Disputes between users remain between those parties.

3. Age and eligibility

The App is intended for people aged 16 or over. By creating an account you confirm you meet this requirement and can accept these Terms. If you act for a minor, you are responsible.

4. Account and access

• You may register with email/password or Apple / Google (where available).
• You are responsible for keeping credentials confidential and for activity under your account.
• You must provide accurate, up-to-date information.
• We may suspend or close accounts for Terms violations, abuse, fraud or security risk.

5. Contacts, QR and third-party data

• “Contacts” are people you add (manually, via the system address-book picker, or QR).
• You are responsible for having a lawful basis to process data of people you add.
• Sharing your profile via QR exposes information you choose to include — use it carefully.
• IBAN, PayPal or other payment details are optional and shared at your own responsibility.

6. Movements, splits and reminders

• Amounts, items, notes and dates are user-generated content.
• Balances and split shares are organisational tools, not legal or tax advice.
• Reminders are local device notifications; they do not replace official calendars or legal duties.

7. Voice, camera and biometrics

• Speech recognition runs on-device; audio is not sent to our servers for transcription.
• Camera and photo library are used for QR, avatars and images you choose to upload.
• Face ID / Touch ID, if enabled, protect local App access and are handled by Apple’s system.

8. Pro subscription

• Pro features may require a monthly or yearly subscription via the Apple App Store / StoreKit.
• Payment is handled by Apple; we do not store card details.
• Renewal, free trials (if any), cancellation and refunds follow Apple’s rules and your Apple ID settings.
• Manage or cancel: iOS Settings → Apple ID → Subscriptions.
• When Apple confirms a valid purchase, we may sync Pro status on our servers to unlock features.

9. Acceptable and prohibited use

You agree to use the App lawfully. You must not, for example:

• use the App for illegal activity, fraud, harassment or threats
• submit offensive, defamatory content or content that infringes third-party rights
• attempt unauthorised access to systems, accounts or other people’s data
• reverse engineer, copy or exploit the App beyond what the law allows
• overload or disrupt our services (e.g. spam against forms or APIs)
• present App data as enforceable titles or official documents

10. Content and intellectual property

• The App, Give & Take brand, design, code and related materials belong to Give & Take or its licensors.
• We grant you a personal, non-exclusive, non-transferable licence to use the App under these Terms.
• You retain ownership of content you submit; you grant us a limited licence to process it to provide the service (hosting, sync, operational backup, support).

11. Service availability

We aim to keep the App and servers available, but we do not guarantee uninterrupted, error-free service or absence of data loss. We may update, suspend or change features (including Pro) for technical, security or product reasons, with reasonable notice when possible.

12. Disclaimer of warranties

To the extent permitted by law, the App is provided “as is” and “as available”. We do not warrant that it will meet particular needs, that balances always match real-world relationships, or that it is suitable for professional, accounting or legal use.

13. Limitation of liability

To the extent permitted by applicable law:

• we are not liable for disputes, losses or damages arising from relationships between users (loans, items, splits, payments)
• we are not liable for decisions you make based on data entered in the App
• we are not liable for failures of Apple, Google, network or device
• our aggregate liability, if established, shall not exceed amounts you paid for Pro in the 12 months before the event (or €50 if you paid nothing), except for wilful misconduct or gross negligence where liability cannot be limited

Nothing in these Terms limits mandatory consumer rights.

14. Indemnity

You agree to indemnify Give & Take against third-party claims arising from your unlawful use of the App, content you submit, or breach of these Terms, to the extent permitted by law.

15. Suspension and deletion

• You may stop using the App anytime and delete your account in Settings.
• On deletion we remove associated data as described in the Privacy Policy, subject to legal retention duties.
• We may suspend the service for Terms breaches or security/abuse risks.

16. Privacy and cookies

Personal data processing is described in the Privacy Policy. For the website: Cookie Policy.

17. Website and contact form

give-take.app may provide App information and a contact form. Messages must be sent in good faith; we may limit abuse (rate limits, anti-spam).

18. Changes to the Terms

We may update these Terms. The date at the top shows the latest revision. Continued use after publication constitutes acceptance, unless mandatory law requires otherwise.

19. Governing law and venue

Except for mandatory consumer protections (which may give you the courts of your EU place of residence), these Terms are governed by Italian law. Preferred venue: the Provider’s seat, within legal limits.

20. Contact

Questions about these Terms: info@andylab.it · privacy: privacy@andylab.it or the website contact form.