Effective Date: March 28, 2026
Last Updated: 2026-06-30
By downloading, installing, or using billmo ("the App", "we", "our"), you agree to be fully bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must not use the App. Your continued use of the App constitutes acceptance of any updates to these Terms.
You must be at least 18 years of age to use billmo. By creating an account, you represent and warrant that:
(a) You are at least 18 years old;
(b) You have the legal capacity to enter into a binding agreement;
(c) All information you provide is accurate, current, and complete;
(d) You are not prohibited from using the App under applicable law.
billmo is a personal finance management and bill-splitting tool that enables users to:
• Split shared expenses and track who owes what
• Scan receipts using AI-powered optical character recognition
• Track recurring bills and payment schedules
• Monitor personal spending habits
billmo is a financial tracking and organization tool ONLY. It does NOT constitute financial advice, investment guidance, banking services, or money transfer services. We are not a bank, e-money issuer, or financial institution regulated by the Bangko Sentral ng Pilipinas (BSP).
You are solely responsible for:
• Maintaining the confidentiality of your account credentials
• All activities conducted under your account
• Immediately notifying us of any unauthorized access or breach
We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or pose a security risk to other users.
You agree NOT to use the App in any of the following ways:
(a) ILLEGAL OR FRAUDULENT USE — Use the App for any unlawful, fraudulent, deceptive, or manipulative purpose, including money laundering, tax evasion, pyramid schemes, network marketing, or any other financial crime.
(b) FALSE INFORMATION — Input false, misleading, or fabricated financial information, or misrepresent yourself or your identity to other users in any harmful way.
(c) HARASSMENT OR HARM — Use the App to harass, threaten, intimidate, blackmail, stalk, or harm any individual or group.
(d) HATE SPEECH OR VIOLENCE — Share or promote content that incites violence or hatred toward any individual or group based on race, ethnicity, religion, nationality, disability, gender, age, veteran status, or sexual orientation.
(e) OBSCENE OR ABUSIVE CONTENT — Share content that is obscene, pornographic, abusive, or otherwise offensive in any user-generated fields of the App.
(f) UNAUTHORIZED ACCESS — Attempt to access, tamper with, disrupt, or interfere with other users' data, accounts, or the App's infrastructure.
(g) REVERSE ENGINEERING — Reverse engineer, decompile, disassemble, or copy any part of the App or its underlying technology.
(h) SPAM OR MANIPULATION — Engage in spamming, phishing, or any form of automated or manipulative use of the App.
(i) PROHIBITED TRANSACTIONS — Use the App in connection with any transaction involving illegal goods or services, firearms, controlled substances, human exploitation, gambling, or terrorism.
billmo reserves the right to investigate, suspend, or terminate any account that violates these standards at our sole discretion, without prior notice, and without liability. We may also report violations to appropriate law enforcement authorities.
Our receipt scanning feature uses third-party AI services including Google Cloud Vision and Anthropic Claude. By using this feature, you acknowledge:
• AI-extracted data may not be 100% accurate
• You are responsible for verifying all scanned data before finalizing bill splits
• Receipt images are processed by third-party AI providers subject to their own terms and privacy policies
• billmo is not liable for errors or disputes arising from inaccurate AI extraction
IMPORTANT: billmo does NOT:
• Hold, transfer, or process any funds on your behalf
• Provide financial, tax, or investment advice
• Guarantee accuracy of any financial calculations
• Act as an intermediary for any payments
All financial transactions between users occur entirely outside the App and are the sole responsibility of the parties involved. billmo bears no liability for any financial disputes, losses, or damages arising from the use of this App.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL BILLMO OR ITS DEVELOPERS BE LIABLE TO YOU FOR ANY AMOUNT WHATSOEVER FOR SERVICES RENDERED PURSUANT TO THIS AGREEMENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY.
WITHOUT LIMITING THE FOREGOING, BILLMO AND ITS DEVELOPERS SHALL NOT BE LIABLE FOR:
• Any indirect, incidental, special, exemplary, or consequential damages (including emotional distress)
• Financial losses resulting from the use or inability to use the App
• Disputes between users regarding bill splitting or payments
• Inaccuracies in AI-processed data
• Unauthorized access to your account due to your failure to safeguard credentials
• Any loss of data due to technical failures
• Any financial loss, fraud, misdirected payment, or dispute arising from payment details you voluntarily share with other users through the App
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. YOU USE THE APP ENTIRELY AT YOUR OWN RISK.
billmo provides an optional feature that allows you to store and voluntarily share your payment details (bank QR codes and e-wallet information) with other users of the App who are participants in your shared bills. By enabling the sharing feature for any payment method, you expressly acknowledge and agree to all of the following:
(a) VOLUNTARY AND INFORMED CONSENT — You are voluntarily choosing to share your payment details. billmo does not require you to share this information at any time. Sharing is entirely optional and at your sole discretion.
(b) ACCURACY — You warrant that all payment details you share are accurate, current, and belong to you. billmo bears no responsibility for payments made to incorrect accounts resulting from inaccurate information you have provided.
(c) SCOPE OF SHARING — Your payment details will be visible inside the billmo App to other registered users with whom you have shared a bill. You may revoke sharing at any time by disabling the sharing toggle in your profile settings.
(d) NO LIABILITY FOR TRANSACTIONS — billmo is not a payment processor, bank, or financial intermediary. Any actual payment made using the details you share occurs entirely outside the App and is solely between you and the paying party. billmo bears absolutely no liability for any transaction, successful or otherwise, that results from shared payment information.
(e) RISK ASSUMPTION — You assume full and sole responsibility for all risks associated with sharing your payment details, including but not limited to: unauthorized use of your payment details, misdirected payments, fraud, scams, and disputes with other users. billmo expressly disclaims all liability for these risks.
(f) WAIVER — By enabling sharing, you irrevocably waive any and all claims, demands, or causes of action against billmo and its developers arising from your voluntary use of this payment sharing feature, whether arising in contract, tort, or otherwise.
billmo may display links to or facilitate the sharing of information related to third-party payment services, including but not limited to GCash (Mynt), Maya (PayMaya Philippines), GrabPay, ShopeePay, UnionBank, BDO, BPI, Metrobank, and other Philippine banks and e-wallets ("External Payment Services"). You expressly agree that:
(a) billmo is in no way responsible or liable for any transactions, losses, disputes, fraud, or service failures arising from your use of any External Payment Service.
(b) Any payment made through an External Payment Service linked to or displayed in the App occurs entirely outside billmo and is solely between you and the relevant payment provider.
(c) Your use of any External Payment Service is governed solely by that provider's terms of service and privacy policy, which you agree to independently.
(d) billmo does not endorse, guarantee, or assume any responsibility for the security, accuracy, or availability of any External Payment Service.
billmo offers purchasable scan credits ("Splitties") that enable access to AI-powered receipt scanning. By purchasing Splitties, you agree that:
(a) SPLITTIES POLICY — Splitties are non-refundable once purchased, except as required by applicable law or at our sole discretion. Splitties do not expire and have no cash value.
(b) SUBSCRIPTION (FUTURE) — If billmo introduces a subscription plan, it will auto-renew unless cancelled at least 24 hours before the end of the current billing period. Subscription prices may vary and billmo reserves the right to change pricing at its sole discretion with reasonable notice.
(c) REFUNDS — Refund requests for in-app purchases must be submitted directly to the relevant app store (Apple App Store or Google Play Store) in accordance with their own refund policies. billmo does not process refunds directly and has no ability to override app store refund decisions. If Apple or Google grants a refund for a Splitties purchase: (i) billmo will automatically deduct from your Splitties balance the number of Splitties originally granted for that purchase, to a minimum balance of zero; (ii) Splitties already consumed before the refund was processed cannot be restored; (iii) billmo is not liable for any Splitties lost as a result of a refund you initiated. This automatic adjustment is billmo's right to reclaim the value of a reversed transaction.
(d) SERVICE CHANGES — billmo reserves the right to modify, limit, or discontinue Splitties pricing, bundles, or features at any time.
(e) SCAN COST — A regular receipt scan may start at 3 Splitties, with the exact amount determined by billmo based on factors such as the resources required to process that scan. This amount may change at any time. You are only charged Splitties for a scan that completes successfully — if a scan fails to process (for example, due to an unreadable photo), no Splitties are deducted.
We collect and process your personal data in strict compliance with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines and its Implementing Rules and Regulations. Please review our Privacy Policy, which is incorporated into these Terms by reference, for full details on how we collect, use, store, and protect your personal data.
All content, features, trademarks, and functionality of billmo — including but not limited to the design, code, text, graphics, and logos — are owned by the App developers and are protected under applicable Philippine and international intellectual property laws. Unauthorized reproduction or distribution is strictly prohibited.
You agree to indemnify, defend, and hold harmless billmo and its developers from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from: (a) your use or misuse of the App; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any dispute between you and another user.
We reserve the right to suspend or terminate your access to the App at any time, with or without cause, with or without notice. Upon termination, your right to use the App ceases immediately. You may request deletion of your account and personal data at any time by contacting us.
We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting, regardless of whether you have personally reviewed the updated Terms. Where required by law, we will make reasonable efforts to notify you of material changes through the App. Your continued use of the App after any changes constitutes your unconditional acceptance of the updated Terms. If you do not agree to the updated Terms, you must immediately stop using the App.
These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising from these Terms or your use of the App shall be submitted to the exclusive jurisdiction of the appropriate courts of the Philippines.
For questions or concerns regarding these Terms:
Email: legal@billmo.app
Support: hello@billmo.app