Terms of use

General terms and conditions (Allgemeine Geschäftsbedingungen, AGB) for the Kumpari app and web application. Last updated: 23 September 2026

The German version is the binding one.

This is a translation provided for convenience. The legally binding version is the German Nutzungsbedingungen (AGB); if the two differ, the German version prevails (see section 11). Kumpari is operated by a sole proprietor in Austria, and Austrian law applies. Austrian statutes are cited by their original names with a short explanation in brackets, because they have no exact English equivalents.

Draft – have it checked by a professional before publication.

This text is a template, not legal advice. Entries highlighted in yellow are placeholders. Review and approval are a matter for legal counsel or the Gründerservice of the Wirtschaftskammer (start-up service of the Austrian Economic Chamber; free for sole proprietors). Section 4 (prices) is to be completed only once paid features exist.

1. Scope and contracting party

These terms apply to the use of the software “Kumpari” as an Android app, an iOS app and a web application at kumpari.com (together, “Kumpari”). The provider and contracting party is Erik Che Kreinbucher, sole proprietor, trading as “Miktoya”, Gaugerichtsweg 13a, 6832 Sulz, Austria (“we”). Further details are in the legal notice.

Kumpari is aimed at consumers and businesses alike. If you are a consumer within the meaning of the Konsumentenschutzgesetz (KSchG, Austrian Consumer Protection Act), its mandatory provisions take precedence; individual clauses below are expressly intended for businesses only. Deviating terms of the user do not apply.

By creating an account you conclude a contract of use with us under these terms. The text of the contract is not stored separately; the version in force at any time is available at kumpari.com/de/agb and can be printed. The contract language is German.

2. Service

Kumpari helps groups record and settle shared expenses. In detail:

Creating trips (or other occasions) with participants; fellow travellers do not need an account of their own.
Recording expenses with amount, payer and split (equally, by amounts, by shares or by percentage), optionally with up to three receipt photos.
Calculating balances per participant and a settlement suggestion with as few payments as possible; recording settlements that have been made.
Inviting further members by link, code or QR code; syncing the data between the devices of all members.
Exporting a trip as CSV or PDF; exporting all of your own data as JSON.
Use without an internet connection; changes are synced as soon as a connection is available again.

Not a payment service, no warranty for calculations

Kumpari does not move money. We are not a payment service provider, we hold no funds and we execute no payments. Settlements are carried out by the parties outside the app; Kumpari merely records them.

Balances and settlement suggestions are calculated from the entries made by the members. Splitting produces rounding differences in the cent range, which are distributed according to a fixed procedure. The calculations are an aid, not a binding statement of account; the members themselves are responsible for the accuracy and completeness of their entries and for deciding who pays whom what. Check the amounts before you transfer money.

Kumpari is developed according to the state of the art, but without any promise of a particular level of availability (“best effort”). Maintenance work, outages or circumstances beyond our control (internet providers, hosting, app stores) may temporarily restrict use. We may develop, change or discontinue features as long as the core of the service – recording and settling shared expenses – is preserved or an export of the data remains possible. We will announce the discontinuation of the entire service at least three months in advance in the app, so that you can export your data.

3. Account

An account consists of a username, a password and a display name. An email address is optional; without one, a forgotten password cannot be reset.
You must be at least 14 years old to create an account.
Keep your password secret and do not pass your account on to others. Choose a password you do not use elsewhere; Kumpari rejects passwords that appear in known data breaches.
The display name and the names you choose for trips and participants must not infringe the rights of third parties and must not be misleading or offensive.
You can delete your account at any time in the app or at kumpari.com/konto-loeschen. What happens to shared trips in that case is described in the privacy policy (section 6).

4. Costs

Kumpari is currently free of charge. The basic features – creating trips, splitting expenses, balances and settlement suggestion, invitations, CSV export – remain free.

A paid tier “Kumpari Pro” with additional features is planned. For it, the following applies: only those who create a trip and want to use Pro features pay; fellow travellers never pay. Prices, scope, term, cancellation and the handling via Google Play, the Apple App Store or a payment service provider will be added here before launch: [PRICES AND PURCHASE TERMS – add before paid features launch]. For consumers, the withdrawal notice applies.

5. Obligations of users

You undertake

to use Kumpari only for its intended purpose – settling shared expenses – and within the law;
to enter or upload only content you are entitled to, and no content that infringes the rights of third parties (copyright, personality rights, data protection rights), or is offensive, glorifies violence or is otherwise unlawful;
when taking receipt photos, to photograph only the receipt – no payment cards, identity documents or people – and to limit notes to what the settlement needs;
to inform fellow travellers whom you enter by name that you are using Kumpari, and to use their data only for settling the group's expenses;
to pass invitation links and codes only to people who are meant to join the trip; anyone with a valid code can join and see all of the trip's content;
not to take any action that disrupts or endangers the service – in particular no automated access outside the app, no circumvention of rate limits, no security attacks, no spying on other people's accounts or trips;
not to use other people's credentials and not to create accounts for other people without their knowledge.

Content you enter or upload remains your property. You grant us the right to store it, process it, sync it between the devices of the members and display it to the members of the respective trip – only to the extent necessary for operating Kumpari.

6. Shared trips, roles and responsibility

Every trip has exactly one admin – initially the person who created it. The admin can delete the trip, renew invitation codes, delete participants, remove members and hand over the admin role. Every member can create, change and delete expenses and settlements.
All members of a trip can see its entire content, including receipt photos. What one member enters is visible to and editable by the others; Kumpari records who created an entry.
The members of a trip are jointly responsible for its content. Disputes within a group – for example about the correctness of an expense – are settled by the group itself; we do not intervene in content and do not decide who owes whom what.
If a member leaves a trip or deletes their account, the entries under which expenses were settled remain, so that the balances of the others stay correct (privacy policy, section 6).

7. Unlawful content, suspension and termination

We do not screen content without cause. If we receive a substantiated report of unlawful content or of a breach of section 5, we review it and may – graduated by severity – remove content, block individual features, temporarily suspend an account or terminate the contract of use. We inform the person concerned, stating the reasons as far as legally permissible – in the case of an account suspension by email if a verified email address is on file, otherwise on request –, and you can respond by email to support@kumpari.com. While an account is suspended, signing in is not possible; we then handle data export and account deletion on request via the same address. Reports of unlawful content are received at the same address.

You can end the contract of use at any time without notice by deleting your account. We can terminate the contract with four weeks' notice; for good cause – in particular in the event of serious or repeated breaches of section 5 – also without notice. Before a termination you will be given the opportunity to export your data, unless that would defeat the purpose of the termination.

8. Warranty and liability

For the free use of Kumpari we give no warranty, to the extent permitted by law; for paid services the statutory warranty rights apply, for consumers in particular the Verbrauchergewährleistungsgesetz (VGG, Austrian Consumer Warranty Act for digital content and goods).

We are liable for damage only in cases of intent and gross negligence. For personal injury we are liable without limitation. We are not liable for slight negligence, except in the case of personal injury. Towards businesses, liability is additionally limited to the typical, foreseeable damage and, in amount, to the fees paid in the preceding twelve months; liability towards businesses for lost profit and consequential damage is excluded. Mandatory statutory liability, for example under the Produkthaftungsgesetz (PHG, Austrian Product Liability Act), remains unaffected.

Kumpari is no substitute for bookkeeping or for advice. We are not liable for financial loss arising because members make or withhold payments on the basis of incorrect or incomplete entries. We recommend exporting important trips regularly; we cannot promise protection against data loss caused by circumstances for which we are not responsible (e.g. loss of the device before it has synced).

9. Data protection

How we process personal data is set out in the privacy policy. It is not part of these terms but information provided under Art. 13 GDPR.

10. Changes to these terms

We may change these terms if the legal situation, the features of Kumpari or the technical framework change. We will inform you of changes at least four weeks before they take effect, in the app and – if one is on file – by email. Changes that materially alter the scope of the service to your detriment or that concern fees apply to consumers only with your express consent; if you do not consent, you can end the contract free of charge until the changes take effect, and we can terminate it as of that date. For all other changes: if you continue to use Kumpari after they take effect, the new terms apply; we will point this out expressly in the announcement.

11. Final provisions

Austrian law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG) and the conflict-of-laws rules of private international law. For consumers habitually resident in another EU or EEA state, the mandatory consumer protection provisions of that state remain unaffected.
For actions against consumers who are domiciled, habitually resident or employed in Austria, only the court in whose district that place lies has jurisdiction (§14 KSchG). For businesses, the court with subject-matter jurisdiction in Feldkirch is agreed as the place of jurisdiction.
Should a provision of these terms be invalid, the remaining provisions remain in force.
We are neither obliged nor willing to take part in dispute resolution proceedings before a consumer arbitration body (Verbraucherschlichtungsstelle). If you have a problem, please write to support@kumpari.com first.
Kumpari is additionally offered in other languages. In the event of discrepancies between language versions of these terms, the German version applies.

Other legal texts: Legal notice · Privacy policy · Withdrawal notice