Last updated: November 7, 2026
By using the "Family Debts" app or familydebts.com you agree to these terms and to our Privacy Policy. If you do not agree, do not use the service. This app is developed by Codava.
The app is a tool for recording, following and sharing family debts and expenses with people you invite. It works offline and syncs your data with our server when you are online.
The app is not a bank or financial institution. It does not move money, collect debts, or give financial or legal advice. Its records are for organisation and reminders and are not, on their own, legal proof of a debt or a payment.
You must be at least 13 years old to use the app. You are responsible for the accuracy of your sign-up details, for keeping your password and device secure, and for everything done through your account. We recommend turning on two-factor authentication and biometric lock.
The data you enter is yours. You allow us to store it, sync it, and show it to the people you share it with, only as far as needed to run the service.
When you share an account or a family, invited members see the shared records and can add to them according to their permissions. You are responsible for whom you invite and for the accuracy of what you record about others. If you delete your account, shared records stay with the other party without your identity, as described on the data deletion page.
You may not use the service for anything unlawful, to harass or defame others or send unwanted invitations, to access accounts or data that are not yours, or to disrupt the service or bypass its protections. We may suspend any account that does.
The app is free and its Android version shows a small Google AdMob banner on some screens. Ads are non-personalised and we share none of your financial data with the ad network. Advertisers are responsible for their own ads and offers.
We work to keep the service available and your data safe, but the service is provided "as is", without a guarantee that it will run without interruption or errors. Sync may be delayed or produce conflicts between devices, so review important records and keep a copy using export.
To the extent the law allows, we are not liable for any financial loss, any dispute between users, or any decision made on the basis of the records or figures in the app, nor for indirect damages arising from using or being unable to use the service.
You can stop using the service and delete your account at any time from your profile. We may suspend or close an account that breaks these terms.
We may update these terms. We will change the "Last updated" date above and tell you in the app when a change is significant. Continuing to use the service after an update means you accept it.
For any question about these terms email us at: info@familydebts.com.