Terms of Use

1. About these terms

These terms apply to the website sansavingclub.com and to the SanSavingClub mobile app (together, "the service"). The service is operated by Adrian Guzman, from Florida, United States. By creating an account or using the service, you agree to these terms. If you do not agree, please do not use the service.

2. Who can use the service

You must be at least 18 years old to create an account or use the service.

3. What the service is

SanSavingClub is a tool for organizing private group savings clubs and keeping their records: the members of a club, its quota and schedule, the order of turns, the payments that members report, and the organizer's approval of them.

4. What the service is not

• The service does not process payments and does not hold, receive or transfer money. Members pay each other directly, outside the service.
• SanSavingClub is not a bank, a lender, a payment processor or a financial adviser.
• Each club is a private agreement among its members. SanSavingClub is not a party to that agreement.
• SanSavingClub does not guarantee that any member will pay, that any turn will be paid out, or that a club will be completed.
• The guides on the website are general information. They are not legal, tax or financial advice.

5. Your account

Give accurate information when you register and keep your password private. You are responsible for what is done through your account. Tell us if you believe someone else has used it.

6. Your responsibilities in a club

• Report your payments truthfully, with the real amount, date and method.
• If you organize a club, you are responsible for the accuracy of what you record and approve.
• Disagreements between members of a club are for those members to resolve. SanSavingClub does not arbitrate them.

7. Acceptable use

You agree not to use the service to:

• Break the law or help someone else do so.
• Deceive other people, or run a scheme that promises returns or depends on recruiting new participants.
• Pretend to be someone else.
• Upload content that is unlawful or that you have no right to share.
• Access other people's accounts or data, or interfere with the operation of the service.

8. Content you add

The information and files you add — such as payment notes and receipt images — remain yours. You give us permission to store them and to show them to the members of your club as needed to operate the service.

9. Advertising

The website and the app show advertising provided by Google. The Privacy Policy explains what that involves.

10. Privacy

The Privacy Policy describes what information the service collects and how it is used. It is part of these terms.

11. Availability and changes

We work to keep the service available, but we do not guarantee that it will be uninterrupted or free of errors. Features may be changed, suspended or discontinued.

12. Closing or suspending an account

You can stop using the service at any time and ask us to delete your account by writing to [email protected]. We may suspend or close accounts that break these terms.

13. No warranties

The service is provided "as is" and "as available", without warranties of any kind, to the extent permitted by law.

14. Limitation of liability

To the extent permitted by law, SanSavingClub and its operator are not liable for losses that arise from a savings club or from the use of the service, including a member who does not pay, a dispute between members, or decisions made on the basis of the records or the guides.

15. Changes to these terms

We may update these terms. When we do, we will change the date at the top of this page. If you keep using the service after a change, you accept the updated terms.

16. Contact

Questions about these terms can be sent to [email protected].