Terms of Use

Last updated: April 19, 2026

These Terms of Use (the "Terms") constitute a binding legal agreement between you ("You" or "User") and Tangerine ("Tangerine", "we", "us", or "our") governing your access to and use of the Tangerine mobile application and related online services (the "App"). By downloading, installing, or using the App, you confirm that you have read, understood, and agreed to be bound by these Terms and by the Tangerine Privacy Policy. If you do not agree, you must not use the App.

1. Definitions

1.1 "App" means the Tangerine mobile application and any associated online services operated by us.

1.2 "Content" means any data, images, text, or material submitted to, processed by, or generated through the App.

1.3 "Session" means a collaborative bill-splitting instance initiated through the App.

2. Eligibility

You must be at least thirteen (13) years of age, or the minimum age required in your jurisdiction to enter into a binding contract, whichever is higher. By using the App, you represent and warrant that you meet this requirement and that you have the legal capacity to accept these Terms.

3. Licence

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to install and use the App solely for your personal, non-commercial use.

4. Acceptable Use

You shall not, and shall not permit any third party to:

4.1 reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code, object code, or underlying algorithms of the App, except to the extent such restriction is expressly prohibited by applicable law;

4.2 modify, adapt, translate, or create derivative works based upon the App;

4.3 use the App for any unlawful, fraudulent, deceptive, harmful, or infringing purpose;

4.4 attempt to gain unauthorised access to any part of the App, our infrastructure, or the infrastructure of our service providers, or interfere with, disrupt, overload, or probe any of the foregoing, including by automated means, scraping, scripting, or high-volume requests;

4.5 remove, alter, or obscure any proprietary notices contained in the App;

4.6 use the App to process Content to which you do not have lawful rights; or

4.7 resell, rent, lease, sublicense, or otherwise commercially exploit the App or any of its features.

5. User Content

5.1 As between you and us, you retain all rights in Content that you submit through the App. You grant us a limited, worldwide, royalty-free licence to host, process, and transmit such Content solely to the extent necessary to provide, secure, and improve the functionality of the App.

5.2 You represent and warrant that (a) you have all necessary rights, permissions, and consents to submit the Content, and (b) the Content does not infringe the rights of any third party and does not violate applicable law.

6. Artificial-Intelligence Outputs

6.1 The App utilises artificial-intelligence models to interpret and structure receipt Content. Outputs produced by such models are probabilistic in nature and may be inaccurate, incomplete, inconsistent, or otherwise unexpected.

6.2 You are solely responsible for reviewing and verifying all parsed items, quantities, amounts, and totals before acting upon them, including prior to settling any payment or financial obligation.

6.3 We make no representation or warranty that the outputs of the App are accurate, complete, current, or fit for any particular purpose, including without limitation for tax, accounting, audit, or legal purposes.

7. Fair Use and Service Limits

Access to scanning and other resource-intensive features is subject to fair-use limits, which may vary according to your plan, the relevant time period, system load, and our operational requirements. We may throttle, queue, or temporarily suspend access to such features in order to preserve availability and prevent abuse. Where paid tiers are offered, the applicable limits and fees will be disclosed at the point of purchase.

8. Fees, Subscriptions, and Taxes

Certain features of the App may require payment. All applicable fees, renewal terms, billing cycles, and cancellation rights will be disclosed to you at the point of purchase and will, where applicable, be subject to the terms and conditions of the relevant application marketplace (for example, the Apple App Store). You are responsible for all taxes and duties imposed in connection with your use of paid features.

9. Collaborative Sessions

9.1 A Session is initiated by generating a temporary link, which you may share at your discretion. Any person in possession of such a link may join the corresponding Session.

9.2 Session data is deleted automatically within a limited period not exceeding sixty (60) minutes from the end of the Session, and shareable summary links expire no later than thirty (30) days following creation.

9.3 You are solely responsible for the participants you invite to a Session and for any Content you choose to share through it.

10. Intellectual Property

All right, title, and interest in and to the App, including without limitation its name, logo, visual design, user interface, text, graphics, and underlying software, are and shall remain the exclusive property of Tangerine and its licensors, and are protected by applicable intellectual-property laws. Except for the limited licence expressly granted in Section 3, nothing in these Terms grants you any right, title, or interest in or to any of our trademarks, trade names, logos, or other intellectual-property rights.

11. Third-Party Services

The App relies on services provided by independent third parties, including device-platform providers, artificial-intelligence processing providers, analytics providers, and cloud-infrastructure providers. Your use of such services through the App may be additionally subject to their own terms, and we are not responsible or liable for their acts, omissions, availability, or performance.

12. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP AND ALL ASSOCIATED MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, OR UNINTERRUPTED OPERATION. WE DO NOT WARRANT THAT THE APP WILL MEET YOUR REQUIREMENTS OR THAT DEFECTS WILL BE CORRECTED.

13. Limitation of Liability

13.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TANGERINE, ITS AFFILIATES, OR ITS LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE APP, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) FIFTY UNITED STATES DOLLARS (USD 50).

13.3 Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including mandatory consumer-protection rights.

14. Indemnification

You agree to indemnify, defend, and hold harmless Tangerine and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way connected with (a) your use or misuse of the App, (b) your Content, (c) your breach of these Terms, or (d) your violation of any applicable law or the rights of any third party.

15. Termination

We may, at our sole discretion and without prior notice, suspend or terminate your access to the App, in whole or in part, including in the event of a suspected violation of these Terms. Upon termination, all provisions that by their nature should survive (including, without limitation, Sections 5, 6, 10, 12, 13, 14, and 16) shall continue in full force and effect.

16. Governing Law and Jurisdiction

These Terms are governed by and shall be construed in accordance with the laws of the Arab Republic of Egypt, without regard to its conflict-of-laws principles. The competent courts of Cairo, Arab Republic of Egypt, shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms, without prejudice to any mandatory consumer-protection rights available to you under the laws of your country of residence.

17. Changes to these Terms

We may amend these Terms from time to time. Material changes will be reflected by updating the "Last updated" date above. Your continued use of the App following such amendment constitutes your acceptance of the revised Terms.

18. Entire Agreement; Severability; No Waiver

These Terms, together with the Privacy Policy, constitute the entire agreement between you and us concerning the App and supersede all prior or contemporaneous understandings. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. No failure or delay by us in exercising any right under these Terms shall operate as a waiver thereof.

19. Contact

Questions concerning these Terms should be directed to hi@tangerineapp.co.