Terms of Service

These Terms of Service (“Terms”) govern your use of the Halvy mobile app and related services (“Halvy”, “we”, “us”), provided by Amboyance Inc. By creating an account or using Halvy, you agree to these Terms.

1. The service

Halvy helps couples and households record shared expenses, split them fairly, and track who owes whom. Halvy is a tracking and organization tool only. It does not move, hold, or transfer money, and it is not a bank, payment processor, or financial advisor.

2. Your account

You must provide accurate information and keep your credentials secure. You are responsible for activity under your account. You must be at least 13 years old (or the age of digital consent in your country) to use Halvy.

3. Subscriptions & purchases

4. Acceptable use

Do not misuse Halvy, attempt to disrupt or reverse-engineer it, access it through unauthorized means, or use it for unlawful purposes. We may suspend or terminate accounts that violate these Terms.

5. Your content

You retain ownership of the data you add (expenses, receipts, notes). You grant us a limited license to store and process it solely to provide the service. You are responsible for the accuracy of the data you enter and for any amounts you settle outside the app.

6. Disclaimers

Halvy is provided “as is” without warranties of any kind. Balances and splits are calculated from the data you enter and are for your convenience only. They are not financial, tax, or legal advice. Verify important amounts independently.

7. Limitation of liability

To the maximum extent permitted by law, Amboyance Inc. is not liable for any indirect, incidental, or consequential damages, or for disputes between household members arising from use of Halvy.

8. Termination

You may stop using Halvy and delete your account at any time from Settings → Data & privacy. We may suspend or end the service, or update these Terms, with reasonable notice where required by law.

9. Changes

We may update these Terms. Material changes are reflected by the “Last updated” date and, where appropriate, by in-app notice. Continued use after a change means you accept the updated Terms.

10. Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The courts located in Ontario, Canada have exclusive jurisdiction over any dispute, subject to any mandatory consumer-protection rights of your place of residence.

11. Contact

Halvy is operated by Amboyance Inc. (Ontario, Canada). Questions about these Terms? Contact us at: