Giya terms and conditions

Effective Date: 9th of October, 2026

These Terms and Conditions ("Terms") are an agreement between you and Ting Software Development Services ("Giya", "we", "us"). They govern your use of the Giya app and the heygiya.ph website (together, the "Service"). By creating an account or using the Service, you agree to these Terms. If you don't agree, please don't use Giya.

1. What Giya is

Giya helps you track shared expenses and see who owes what. You add an expense, choose who shared it, split it, and record when someone pays back.

Giya does not move money. We don't hold funds, process payments between users, or give financial, tax, legal or investment advice. "Settle up" only records that a payment happened. You and the other person arrange the actual payment yourselves.

2. Who can use Giya

You must be at least 13 years old. If you are under the age of majority where you live, you need a parent or guardian's permission to use Giya. By using the Service you confirm that you meet these requirements.

3. Your account

You can sign in with Google, Apple, or a sign-in link sent to your email. Give us accurate information and keep your account secure. You are responsible for activity on your account. Tell us at support@heygiya.ph if you think someone else has accessed it.

4. Your content and other people's information

You own what you add to Giya, such as expenses, group names and notes. You give us a limited licence to store, process and display that content to run the Service for you and the people you share it with.

When you add an expense or group, other members can see it, including amounts, who paid, and how it was split. Only add information you are comfortable sharing with them.

You can add people who don't have Giya yet, using their name and optionally their email or phone number. Only add details of people who would reasonably expect you to, and don't use Giya to contact anyone who has asked you not to.

You are responsible for the accuracy of what you enter. Balances and exchange-rate conversions are calculated from your entries and from rates published for the day of each expense. They are for convenience and may differ from what a bank or payment provider shows.

5. Free and Premium plans

Giya is free to start, with limits such as the number of groups and invited people. Premium unlocks more, such as unlimited groups and invites, changing your currency, and past expenses at their original exchange rate.

• Billing: Premium is bought through the Apple App Store or Google Play. They handle payment, and we never see your card details. Prices and billing periods (weekly, monthly or yearly) are shown in the store before you subscribe, in your local currency where supported.
• Renewal: Subscriptions renew automatically at the end of each period unless you cancel in your App Store or Google Play subscription settings at least 24 hours before the period ends.
• Cancelling and refunds: You can cancel at any time. You keep Premium until the end of the period you paid for. Refunds are handled by Apple or Google under their policies.
• Changes: We may change prices or plan limits. We'll tell you before a change affects an active subscription, and you can cancel before it applies.

6. Using Giya responsibly

You agree not to:

• Break the law or use Giya for fraud, harassment or anything harmful.
• Add false, abusive or unlawful content, or someone's personal details without a good reason.
• Try to access other people's accounts or data, or probe, disrupt or overload the Service.
• Copy, reverse engineer or resell the app or its content, except where the law allows it.
• Use bots, scrapers or other automated means to access the Service without our permission.

7. Our rights in Giya

Giya, including the app, website, design, name and logo, belongs to us or our licensors. We give you a personal, non-exclusive, non-transferable licence to use the app for your own non-commercial purposes while you follow these Terms. All other rights are reserved.

If you send us feedback or ideas, we can use them without owing you anything.

8. Ending your account

You can delete your account at any time in the app. Our Privacy Policy explains what is deleted and what stays. Deleting your account doesn't cancel an App Store or Google Play subscription, so cancel that in the store as well.

We may suspend or end your access if you break these Terms, misuse the Service, or if we must by law. Where it's reasonable, we'll tell you why. We may also stop providing the Service, or parts of it, with reasonable notice.

9. Availability and changes to the Service

We work to keep Giya running, but we don't promise it will always be available or free of errors. We may add, change or remove features. Giya is currently in pre-launch, so some features may change before release.

10. Disclaimers

Giya is provided "as is" and "as available". To the extent the law allows, we make no warranties, express or implied, including about accuracy, fitness for a particular purpose, or uninterrupted service. Nothing here limits rights you have under consumer law that can't be waived.

11. Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for loss of data, profits or goodwill, arising from your use of Giya. Our total liability for any claim relating to the Service is limited to the greater of the amount you paid us for Premium in the 12 months before the claim, or PHP 1,000. Nothing in these Terms limits liability that can't be limited by law.

12. Disputes between users

Disagreements about who owes what are between you and the other people involved. We are not a party to them and can't resolve them, and our records are not proof of a debt.

13. Indemnity

To the extent the law allows, you agree to cover reasonable losses we suffer from claims that result from your breach of these Terms or your unlawful use of the Service.

14. Changes to these Terms

We may update these Terms. For material changes, we'll notify you in the app or by email before they take effect, and update the effective date above. If you keep using Giya after the change takes effect, you accept the new Terms. If you don't agree, you can delete your account.

15. Governing law and disputes

These Terms are governed by the laws of the Philippines. We'd like to settle any issue informally first, so please email us. If we can't, the courts of Bacolod City, Philippines have jurisdiction, unless your local consumer law gives you the right to bring a claim elsewhere.

16. General

These Terms and our Privacy Policy are the whole agreement between us about the Service. If a part of these Terms is found to be unenforceable, the rest stays in effect. If we don't enforce a right, that doesn't mean we give it up. You may not transfer your rights under these Terms without our consent.

17. Contact us

Ting Software Development Services
Email: support@heygiya.ph
Address: Bacolod City, Negros Occidental, Philippines