Legal
Terms of Use
These Terms of Use (“Terms”) govern your access to and use of the Pouchh mobile application and related services (the “Service”). The Service is operated by Jenia Nemzer (“Pouchh,” “we,” “us,” or “our”).
By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.
1. What Pouchh is
Pouchh is a family educational and household tracking tool that helps parents manage allowances, gifts, spending logs, savings goals, and related family money activity with their children.
Important: Pouchh is not a bank, credit union, payment institution, money transmitter, wallet, remittance service, or investment product. Balances and transactions in Pouchh are household records maintained in the app. Pouchh does not hold real deposits, issue cards, process card payments, or transfer real money between financial institutions.
2. Eligibility and parental responsibility
- You must be at least 18 years old (or the age of majority where you live) to create a parent account.
- Child accounts may be created only by a parent or legal guardian for children in their care.
- Parents/guardians are responsible for supervising children’s use of the Service, setting PINs, reviewing activity, and deciding what money rules apply in their household.
- You represent that you have authority to create and manage accounts for any child you add.
3. Accounts and security
- Keep your parent login credentials confidential and use a strong password.
- Keep child usernames and PINs appropriately private within your household.
- You are responsible for activity that occurs under your family accounts.
- Notify us promptly at [email protected] if you suspect unauthorized access.
- We may suspend or terminate accounts that appear compromised, abusive, or in violation of these Terms.
4. Acceptable use
You agree not to:
- Use the Service for unlawful purposes or to harm others.
- Attempt to access other families’ data or bypass security or access controls.
- Reverse engineer, scrape, overload, or disrupt the Service except as allowed by law.
- Upload unlawful, abusive, or infringing content (including avatar images).
- Misrepresent your identity or your relationship to a child.
- Use the Service to provide regulated financial services to the public.
5. Family content and data
You retain ownership of the content and household records you submit (such as names, notes, goals, and avatar images). You grant us a limited license to host, process, display, and back up that content solely to operate and improve the Service for your family.
You are responsible for the accuracy of information you enter. Because Pouchh tracks household activity rather than bank-linked balances, your in-app records may differ from any real-world cash or bank balances you keep outside the app.
6. Notifications and device permissions
The Service may request permissions such as notifications, photos, or camera access to provide optional features (for example, push alerts when money is credited, or avatar photos). You can deny or later revoke permissions in your device settings; some features may then be unavailable.
7. Intellectual property
The Service, including its software, design, trademarks, and branding, is owned by Pouchh or its licensors and is protected by intellectual property laws. Except for your family content, you may not copy, modify, distribute, or create derivative works from the Service without our prior written consent.
8. Third-party services
The Service relies on third-party infrastructure (including hosting, authentication, storage, and push delivery providers such as Supabase and Expo). Your use of app stores and device platforms is also subject to those platforms’ terms.
9. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or that balances or calculations will always match your expectations or external records.
Pouchh is an educational / organizational tool and is not financial, legal, tax, or parenting advice.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, POUCHH AND ITS OPERATOR WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR HOUSEHOLD FUNDS, ARISING FROM YOUR USE OF THE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM OR (B) USD $50.
Some jurisdictions do not allow certain limitations; in those places, our liability is limited to the fullest extent permitted by law.
11. Indemnity
You agree to defend, indemnify, and hold harmless Pouchh and its operator from claims, damages, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Service, your violation of these Terms, or your infringement of another person’s rights.
12. Termination
You may stop using the Service at any time and may request account deletion by contacting [email protected] or using available in-app controls. We may suspend or terminate access if you violate these Terms, if required by law, or if we discontinue the Service. Provisions that by their nature should survive termination will survive.
13. Changes to the Service and Terms
We may modify or discontinue features of the Service. We may update these Terms by posting a revised version with an updated date. Continued use after changes become effective constitutes acceptance of the revised Terms. If you do not agree, stop using the Service.
14. Governing law
These Terms are governed by the laws of the jurisdiction in which the operator resides, without regard to conflict-of-law rules, except where mandatory consumer protections in your country apply. Courts in that jurisdiction will have exclusive jurisdiction over disputes, except that you may bring qualifying consumer claims in your local courts where required by law.
15. Contact
Questions about these Terms:
Email: [email protected]
App: Pouchh (package app.pouchh.family)