Terms of Service for Pinpin

Last Updated: April 8, 2026 | Effective Date: April 4, 2026

1. Interpretation and Definitions

1.1 Definitions

For the purposes of these Terms of Service:

• "Application" or "App" means the Pinpin mobile software program provided by the Company.
• "Application Store" means the digital distribution service operated by Google Inc. (Google Play Store) or Apple Inc. (Apple App Store) where the App is distributed.
• "Company", "We", "Us", or "Our" refers to Pinpin.
• "Country" refers to the Philippines.
• "Device" means any device that can access the Service such as a smartphone or tablet.
• "Service" refers to the Application and all features provided therein.
• "Terms" mean these Terms of Service.
• "You" or "User" means the individual accessing or using the Service.
• "Free Features" means App features available to all users without payment, including Crisis Mode, Debt Tools, and base financial missions.
• "Premium Features" means features available only to users who have purchased Pinpin Premium, including the Investment Tracker, Budget Calendar, Resume Builder, and all Gameplan Dashboards (Early Freedom, Wealth Builder, Growth Maximizer, Anti-Fragile Defender, and Family Provider).
• "Pinpin Premium" means the one-time in-app purchase (product ID: pinpin_premium_lifetime) available through the Google Play Store that permanently unlocks all Premium Features.

2. Acknowledgment and Acceptance

These Terms govern your use of Pinpin and constitute a binding legal agreement between you and the Company.

By using Pinpin, you acknowledge and agree that:

• You are at least 18 years old (Pinpin is not intended for minors)
• You have read and understand these Terms
• You have read and understand our Privacy Policy
• You agree to comply with all applicable Philippine laws
• You will use the App responsibly and in accordance with these Terms

3. No Financial Advice

4. No Legal Advice

5. Acceptable Use Policy

5.1 Permitted Uses

You may use Pinpin to:

• Analyze your personal financial situation
• Track your income, expenses, debts, and savings
• Calculate your financial health score
• Complete financial wellness missions
• Generate complaint letters to report debt harassment
• Access educational content about personal finance and Philippine law
• Manage bill schedules and receive push notification reminders for upcoming and overdue bills
• Purchase and use Pinpin Premium features (Investment Tracker, Budget Calendar, Resume Builder, Gameplan Dashboards)

5.2 Prohibited Uses

You may NOT use Pinpin to:

• ❌ Enter false, misleading, or fraudulent information
• ❌ File false harassment complaints against lenders
• ❌ Harass, threaten, or abuse any person or entity
• ❌ Violate any Philippine laws or regulations
• ❌ Reverse engineer, decompile, or attempt to extract the App's source code
• ❌ Use the App for commercial purposes without our written permission
• ❌ Copy, modify, distribute, or create derivative works from the App
• ❌ Interfere with or disrupt the App's functionality or security
• ❌ Attempt to gain unauthorized access to other users' data

Violation of these prohibited uses may result in immediate termination of your access to the App and potential legal action.

6. User Responsibilities

By using Pinpin, you agree that:

6.1 Accuracy of Information

• You will provide accurate, complete, and truthful information
• You will update your information when it changes
• You understand that the App's analysis is only as accurate as the data you provide

6.2 Financial Decisions

• You are solely responsible for your financial decisions
• You will not rely solely on the App's guidance without consulting professionals
• You understand that past performance is not indicative of future results
• You accept all financial risks associated with your decisions

6.3 Legal Actions

• You are solely responsible for any complaints or legal actions you file
• You will not file false or fraudulent complaints
• You will consult with a lawyer before taking any significant legal action
• You understand that the App does not guarantee the outcome of any complaint or legal action

6.4 Device Security

• You will keep your device secure with a passcode or biometric lock
• You will not share your device with untrusted individuals
• You will notify us immediately if you suspect unauthorized access to your data

6.4 Notification Permissions

• You understand that push notifications are optional and can be disabled at any time in your device settings
• You understand that disabling notifications may cause you to miss bill reminders and mission nudges
• You understand that all notifications are scheduled locally on your device based on data you have entered into the App

7. Intellectual Property Rights

7.1 Ownership

The Pinpin App, including all content, features, functionality, source code, algorithms, and user interface, is owned by Pinpin and is protected by Philippine and international copyright, trademark, and other intellectual property laws.

7.2 License Grant

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Download and install the App on your personal device
• Use the App for your personal, non-commercial purposes

This license does NOT permit you to:

• Modify, adapt, or create derivative works
• Distribute, sell, lease, or sublicense the App
• Reverse engineer or decompile the App
• Remove or alter any copyright or proprietary notices

7.3 User Data Ownership

You own all the personal and financial data you enter into the App. We do not claim ownership of your data. By using the App, you grant us a limited license to use your anonymized, aggregated data for the purpose of improving the App's features and algorithms.

8. Premium Features and In-App Purchases

8.1 Pinpin Premium

Pinpin offers a one-time in-app purchase called Pinpin Premium (product ID: pinpin_premium_lifetime) through the Google Play Store. Purchasing Premium permanently unlocks the following features:

• 🗓️ Budget Calendar — visual bill and income timeline
• 📊 Investment Tracker — portfolio tracking for PH and global assets
• 📄 Resume Builder — professional resume creator for Filipino job seekers
• 🗺️ Gameplan Dashboards — Early Freedom, Wealth Builder, Growth Maximizer, Anti-Fragile Defender, and Family Provider dashboards

8.2 Payment Processing

All payments are processed by Google Play. Pinpin does not collect, store, or process any payment card or financial account information. By purchasing Pinpin Premium, you agree to be bound by Google Play's Terms of Service and billing policies.

Pinpin uses RevenueCat as a purchase verification service. RevenueCat confirms your entitlement status with Google Play and returns whether your account is Premium or Free. RevenueCat does NOT process payments or receive your payment details. By purchasing Pinpin Premium, you also agree to be bound by RevenueCat's Terms of Service.

8.3 No Refunds

Because Pinpin Premium is a one-time lifetime purchase that grants immediate access to all Premium Features, refunds are governed by the Google Play refund policy. We generally do not offer additional refunds outside of Google Play's standard refund window. To request a refund, use the Google Play Store app or visit Google Play Help.

8.4 Restore Purchase

If you reinstall the App or change devices, you can restore your Premium access at no additional cost using the "Restore Purchase" option within the App. Restoration requires the same Google Play account used for the original purchase.

8.5 Free Features Remain Free

Purchasing Premium does not affect your access to Free Features. Crisis Mode, all Debt Tools (Harassment Reporter, Threat Scanner, OLA Trap Scanner, Demand Letter Generator, etc.), base financial missions, and educational content remain free for all users indefinitely.

9. Links to Third-Party Websites

The App may contain links to third-party websites, including:

• Philippine government agency websites (SEC, NBI, NPC, PhilHealth, SSS, Pag-IBIG)
• Educational resources about personal finance
• Support and help documentation

We are not responsible for:

• The content, privacy policies, or practices of third-party websites
• Any damages or losses arising from your use of third-party websites
• The accuracy or reliability of information on third-party websites

We strongly advise you to review the privacy policies and terms of service of any third-party websites you visit.

10. Termination

10.1 Termination by You

You may stop using the App at any time by:

• Uninstalling the App from your device
• Using the "Fresh Start Mode" feature to delete all your data
• Contacting us to request account deletion

10.2 Termination by Us

We may suspend or terminate your access to the App immediately, without prior notice, if:

• You violate these Terms of Service
• You engage in fraudulent or illegal activities
• You abuse the App's features (e.g., filing false harassment complaints)
• We are required to do so by law
• We discontinue the App

10.3 Effect of Termination

Upon termination:

• Your right to use the App will cease immediately
• All locally stored data will be deleted from your device
• We may retain certain data if required by law

10.4 Premium Purchases Upon Termination

If your access to the App is terminated for violations of these Terms, you will lose access to Premium Features. In-app purchase refunds in this case are subject to Google Play's refund policy — Pinpin will not issue additional refunds for accounts terminated due to policy violations.

11. Limitation of Liability

12. "AS IS" and "AS AVAILABLE" Disclaimer

The App is provided to you "AS IS" and "AS AVAILABLE" with all faults and defects, without warranty of any kind.

To the maximum extent permitted by Philippine law, we expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Title
• Accuracy or reliability of information
• Uninterrupted or error-free operation
• Freedom from viruses or harmful components

USE THE APP AT YOUR OWN RISK.

13. Indemnification

You agree to indemnify, defend, and hold harmless Pinpin, its developers, employees, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any Philippine laws
• False or fraudulent information you provide
• Harassment complaints you file (whether true or false)
• Financial decisions you make based on the App
• Legal actions you take based on the App's guidance

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to:

• Republic Act No. 10173 (Data Privacy Act of 2012)
• Republic Act No. 10175 (Cybercrime Prevention Act of 2012)
• Republic Act No. 7394 (Consumer Act of the Philippines)
• Civil Code of the Philippines

14.2 Dispute Resolution

If you have any concern or dispute about the App, you agree to first try to resolve the dispute informally by contacting us at pinpinmanila@gmail.com.

If informal resolution fails, disputes shall be resolved through:

• Mediation: Good-faith attempt at mediation before litigation
• Jurisdiction: Courts of competent jurisdiction in the Philippines
• Venue: Metro Manila, Philippines

15. Severability and Waiver

15.1 Severability

If any provision of these Terms is held to be unenforceable or invalid by a court of law, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

15.2 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

16. Changes to These Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion.

16.1 How We'll Notify You

• Email notification (if you've provided an email address)
• In-app notification when you open the App
• Updated "Last Updated" date at the top of this document

16.2 Material Changes

If a revision is material (e.g., changes to limitations of liability, dispute resolution, or user rights), we will make reasonable efforts to provide at least 30 days' notice prior to the new terms taking effect.

16.3 Acceptance of Changes

By continuing to use the App after changes become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the App.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Pinpin regarding your use of the App and supersede all prior agreements and understandings, whether written or oral.

18. Contact Us

If you have any questions, concerns, or complaints about these Terms of Service, please contact us:

19. Acknowledgment