Terms of Service

1. Who we are and what these terms cover

These Terms of Service are a contract between you and TNV NextGen, a sole proprietorship (eenmanszaak) at Hollywoodlaan 58, 1325 HS Almere, the Netherlands, registered with the Dutch Chamber of Commerce (KVK) under number 98216260, VAT number NL005316081B12 ("MySharedXP", "we", "us"). They cover the MySharedXP web app (app.mysharedxp.com), the MySharedXP apps for iOS and Android and the website mysharedxp.com (together "the service"). By creating an account or using the service you accept them.

2. Eligibility

You must be at least 16 years old to create an account. By creating one you confirm that you meet this requirement. If we learn that an account belongs to someone under 16 we will delete it. The service is meant for personal use between friends, family, housemates and similar groups.

3. Your account

Keep your password confidential and tell us at once if you think someone else has used your account. You are responsible for activity under your account unless it results from our failure to keep the service secure.

You can delete your account at any time in the app under Settings > Account > Delete Account. Deleting your account removes your personal data as described in our Privacy Policy; shared expenses stay visible to other group members in anonymised form so their records remain correct.

4. What MySharedXP is and is not

MySharedXP is a tool for recording shared expenses and calculating who owes whom. It does not hold, transfer or process money, and it is not a bank, payment service, or financial, tax or legal advisor. Settling a debt recorded in the app is a matter between you and the other person; we are not a party to it and are not responsible for disputes about whether a payment was actually made.

Balances, settlement plans, currency conversions and budgets are calculations based on what users enter. Currency conversions use the European Central Bank reference rates for the dates concerned and are indicative only; your bank may use a different rate. Receipt scanning reads text automatically and can make mistakes. Check the figures before you pay or ask anyone to pay.

5. Licence and intellectual property

We give you a personal, non-exclusive, non-transferable licence to use the apps and the web app for as long as you have an account and follow these terms. The software, design, texts and the MySharedXP name and logo remain ours or our licensors'; these terms do not transfer any of those rights to you.

6. Your content

You keep all rights to the expenses, receipts, notes, photos and other content you add. You give us a licence to store, process and display that content only as needed to run the service, including showing it to the members of the groups you add it to.

You are responsible for your content and for having the right to upload it, for example a receipt that shows someone else's details or a photo of another person. If your content infringes someone else's rights or breaks the law and a claim is made against us because of it, you will compensate us for the resulting damage, as far as the law allows.

7. Acceptable use

You agree not to:

• use the service for anything unlawful, or to record or facilitate unlawful transactions;
• harass, threaten or defame other users, or add people to groups to annoy them;
• upload content that is illegal, infringes someone else's rights or contains malware;
• try to access other users' data, probe or overload our systems, or bypass security or usage limits;
• reverse-engineer the apps except where the law allows it, or resell or commercially exploit the service without our written consent;
• create accounts with false information or on behalf of someone else without their permission.

8. Reporting illegal content and how we moderate

Content in MySharedXP is visible only to the members of the group or the friends it is shared with. We do not monitor it in general. If you find content in the service that you believe is illegal or breaks these terms, report it to contactus@tnvnextgendigital.com with the location (group, expense) and why you think it is unlawful; this address is also our single point of contact for authorities under the EU Digital Services Act. You may write in English or Dutch.

We review reports carefully and without delay. Where content is illegal or breaks these terms we may remove it, restrict features or suspend the account involved. We tell the user concerned what we did and why, unless the law forbids it, and they can reply to that message to ask us to reconsider. We do not use automated moderation.

9. Subscriptions and payments

Core features are free. Optional paid plans ("Ad-free", also called "Buy Me a Coffee", and "Pro") are sold as in-app subscriptions through the Apple App Store or Google Play, which handle payment, billing and refunds under their own terms, and on the web through our payment provider Stripe. Prices are shown before you buy and include VAT.

Subscriptions renew automatically at the end of each period unless you cancel at least 24 hours before it ends. You can cancel at any time in your App Store or Google Play subscription settings, or for web purchases under Settings > Subscription > Manage subscription; plan changes and cancellations take effect at the end of the period you paid for, and you keep access until then.

EU right of withdrawal: if you are a consumer in the EU or EEA you have the right to withdraw from a purchase within 14 days without giving a reason. The paid features are digital content that starts immediately. Before a web purchase we therefore ask you to agree expressly that it starts at once and to confirm that you then lose the right of withdrawal; we record that consent with your purchase. Without it we cannot start the subscription. Withdrawal requests and refunds for store purchases are handled by Apple or Google under their store policies; for web purchases, contact us.

Nothing in these terms limits the statutory rights you have as a consumer, including your rights if the paid features do not work as promised.

10. Availability, changes and your data

We work to keep the service available and your data safe, with continuous database backups that reach back 35 days, but we cannot guarantee that the service will always be available, uninterrupted or free of errors. Maintenance, updates, and failures at our providers or on the internet can interrupt it. Keep your own copy of anything important; Settings > Account > Export Data gives you a complete export at any time.

We keep improving the service and may add, change or remove features. If we discontinue the service or a paid feature we will give at least 30 days' notice in the app or by email, so you can export your data, and any prepaid subscription period will be refunded pro rata through the store or payment provider you bought it from.

11. Liability

We provide the service with reasonable care and skill. We are liable without limit for death or personal injury caused by our negligence, for damage caused by our intent or gross negligence, and wherever liability cannot be limited by law.

Otherwise, and as far as the law allows: (a) our total liability to you for all claims together in any 12-month period is limited to €100; (b) we are not liable for indirect or consequential damage such as lost profit, lost savings or damage from business interruption, nor for loss of data beyond what our backups described in section 10 can restore; (c) we are not liable for the content or conduct of other users, including disputes about payments recorded in the app, or for decisions you make based on the calculations described in section 4; and (d) we are not liable for failures caused by circumstances beyond our reasonable control (force majeure), such as outages at our hosting, app store or payment providers, internet failures, cyber attacks that could not reasonably be prevented, or government measures.

Report damage to us as soon as possible, and in any case within 12 months after you discovered it, so that we can limit it.

12. Ending the agreement

You can end this agreement at any time by deleting your account. We may suspend or close an account that breaks these terms, after warning you where that is reasonable, or without warning for serious or repeated breaches. We may also close accounts that have been inactive for more than 24 months, after telling you by email at least 30 days beforehand.

13. Apple and Google

If you use the iOS app, Apple's Licensed Application End User License Agreement also applies. These terms are between you and us only, not with Apple; Apple is not responsible for the app or its content, has no obligation to provide maintenance or support, and is not responsible for any claims relating to the app, including product liability, legal or regulatory compliance, consumer protection or intellectual property claims. If the app does not conform to any applicable warranty, you may notify Apple, which will refund the purchase price of the app (if any); Apple has no other warranty obligation. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. You confirm that you are not in a country subject to a U.S. Government embargo and are not on a U.S. Government list of prohibited or restricted parties.

If you use the Android app, Google is likewise not a party to these terms, and Google Play's terms apply to your download and store purchases.

14. Governing law, language and disputes

These terms are governed by the laws of the Netherlands. If you are a consumer in the EU you also keep the protection of the mandatory consumer laws of the country where you live, and you may bring a claim in the courts of that country. We are not obliged and not willing to take part in dispute resolution before a consumer arbitration board.

These terms are also available in other languages. Those versions are AI translations; if they differ from this English text, the English text prevails.

If a provision of these terms is invalid or cannot be enforced, the rest remains in force, and the provision is replaced by a valid one that comes as close as possible to its purpose.

15. Changes to these terms

We may update these terms, for example when the law or the service changes. We will announce material changes in the app or by email at least 30 days before they take effect. If you do not agree with a change you can delete your account before it takes effect; continuing to use the service afterwards means you accept the new terms.

This version applies from 29 September 2026 to accounts created on or after that date. For accounts created earlier it applies from 29 October 2026, or sooner if you accept it in the app; until then the previous version continues to apply to them.

16. Contact

Questions about these terms and reports of illegal content: contactus@tnvnextgendigital.com. Questions about your data: privacy@tnvnextgendigital.com. Support: support@mysharedxp.com.