Terms of Use

Effective: August 16, 2026 · Last updated: August 16, 2026

These Terms are a binding agreement between you and Karen Situ ("we", "us") covering your use of The Jar. By using the app you accept them. If you do not accept them, do not use the app.

Please read section 3 in particular. It is the one that explains what The Jar is not.

1. Who may use The Jar

You must be 18 or older. By using the app you confirm that you are.

You must be able to form a binding contract, and you must not be barred from using the app under the laws of your country.

2. Your account

You sign in with Sign in with Apple. You are responsible for keeping access to your Apple Account secure, and for everything done through your account.

One account per person. Do not impersonate anyone or use a display name you have no right to use.

3. What The Jar is, and what it is not

The Jar is a record-keeping app for informal agreements between people. You and the people you invite decide on rules, decide on amounts, and decide when you have settled up. The app writes down what you all agreed and shows you the running total.

The Jar is not a financial institution, a bank, a lender, a payment processor, a money transmitter, a debt collector, or an escrow service. Specifically:

We never hold, move, or transfer money. Not at any point, in any direction, for any reason. There is no wallet, no balance held by us, and no payment rail.
Balances in the app are not debts. They are a record of a social agreement between people who know each other. They are not loans, not credit, not legally enforceable obligations, and not collectible by us or by anyone else through us.
We do not collect, chase, report, or enforce anything. We do not send balances to collections. We do not report anyone to a credit bureau. If someone in your jar does not pay you, that is between you and them, and the app will not help you pursue it.
We do not give financial, legal, tax, or accounting advice. Nothing in the app is advice of any kind.
The Venmo button is a shortcut, not a payment. It opens Venmo on your device with fields prefilled. We never learn whether a payment happened. Marking a period "settled" is a note you make in the app, not a confirmation that money moved.

If you leave a jar or delete your account, any outstanding balance is cleared, not collected.

4. Jars are shared

Anything you put in a jar — its name, your rules, every violation you report, and any note you attach — is visible to everyone else in that jar, and stays visible to them.

Once the 60-second undo window on a report closes, that entry is part of the jar's history. It can be disputed, but it cannot be deleted or edited, including by us, because it is also other people's record.

If you leave a jar or delete your account, your entries remain in that jar's history, stripped of your identity.

Write accordingly.

5. Acceptable use

Do not use The Jar to:

Harass, bully, threaten, demean, or coerce anyone.
Report violations against someone in bad faith, or use the app to manufacture a debt someone never agreed to.
Pressure, control, or financially exploit another person, including a partner, family member, employee, or anyone who depends on you.
Post anything unlawful, hateful, sexually explicit, or that infringes someone's rights.
Track or keep score for someone without their knowledge in a way that would be unlawful where you live.
Impersonate anyone, or invite someone under 18 to hold an account.
Attempt to access another account's data, reverse-engineer the app, scrape it, or interfere with its operation.
Use it for gambling, wagering, betting, or any game of chance.
Use it as a payroll, invoicing, lending, or debt-collection tool.

Reporting. If someone is using a jar to harass or exploit you, block them in Settings → Blocked users, leave the jar, and contact us at karensitu@ymail.com. We review reports and will suspend or remove accounts that break these rules. If you are in immediate danger, contact your local emergency services.

6. Content you create

You keep ownership of what you write. You grant us a limited, worldwide, royalty-free license to store, reproduce, and display it — solely so we can operate the app and show it to the other people in your jars. That license ends when the content is deleted, except where it must persist as part of another member's history as described in section 4.

You are responsible for what you write, and you confirm you have the right to write it.

We may remove content or suspend accounts that break section 5.

7. Notifications

The app sends notifications about your jars if you allow it. Two of them — the auto-confirm reminders sent 24 hours and 4 hours before a violation confirms itself — will still arrive even when a jar is muted. This is deliberate: muting must not be usable to run someone's balance up while they are not looking. You can turn off all notifications for The Jar in iOS Settings.

8. Availability and changes

The Jar is provided as it is and as it is available. We may change, suspend, or discontinue any part of it, and we may update these Terms. If a change materially affects your rights we will tell you in the app before it takes effect. Continuing to use the app after that means you accept the change.

The app is currently in beta. Expect defects.

9. Ending it

You may stop using The Jar at any time and delete your account in Settings → Delete account.

We may suspend or terminate your account if you break these Terms, if we are required to by law, or if we discontinue the app. Where we reasonably can, we will give you notice and a chance to export or settle anything outstanding.

Sections 3, 4, 6, 10, 11, and 12 survive termination.

10. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE JAR IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the app will be uninterrupted, error-free, or that any record it keeps is accurate — the records are created by you and the people in your jars, not by us.

We are not responsible for the conduct of other people in your jars, for whether anyone pays anyone, or for any dispute between you and them.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, Karen Situ WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR AMOUNTS RECORDED IN A JAR, ARISING FROM OR RELATING TO YOUR USE OF THE JAR.

OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE JAR WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM, OR US$50.

Nothing in these Terms limits liability that cannot be limited by law, including for death or personal injury caused by negligence, or for fraud.

12. Indemnity

You will indemnify and hold Karen Situ harmless from any claim, damage, loss, or expense (including reasonable legal fees) arising from your use of the app, your content, or your breach of these Terms.

13. Governing law and disputes

These Terms are governed by the laws of the United States and of the U.S. state in which we are based, without regard to conflict of law rules. You and we agree to the exclusive jurisdiction of the state and federal courts located in that state.

If you are a consumer resident in the EEA or UK, nothing here deprives you of the protection of mandatory consumer law in your country of residence, or of the right to bring proceedings there.

14. General

These Terms are the entire agreement between you and us about The Jar. If any provision is found unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor in connection with a merger, acquisition, or sale of assets.

15. Apple App Store terms

The following applies to the version of The Jar you obtained through the Apple App Store, and is required by Apple. In the event of a conflict between this section and anything above, this section controls as to the subject matter it covers.

Acknowledgement. These Terms are between you and Karen Situ only, not with Apple. Karen Situ, not Apple, is solely responsible for The Jar and its content.
Scope of licence. The licence granted to you for The Jar is a non-transferable licence to use The Jar on any Apple-branded product that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that The Jar may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing.
Maintenance and support. Karen Situ is solely responsible for providing any maintenance and support services for The Jar, as specified in these Terms or as required by applicable law. Apple has no obligation whatsoever to furnish any maintenance and support services for The Jar.
Warranty. Karen Situ is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of The Jar to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for The Jar to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to The Jar, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be Karen Situ's sole responsibility.
Product claims. Karen Situ, not Apple, is responsible for addressing any claims by you or any third party relating to The Jar or your possession and use of it, including: (i) product liability claims; (ii) any claim that The Jar fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation, including in connection with The Jar's use of the HealthKit and HomeKit frameworks (which The Jar does not use).
Intellectual property rights. In the event of any third-party claim that The Jar or your possession and use of it infringes that third party's intellectual property rights, Karen Situ, not Apple, will be solely responsible for the investigation, defence, settlement, and discharge of that claim.
Legal compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
Developer name and address. Questions, complaints, and claims should be directed to Karen Situ at karensitu@ymail.com (postal address available on request).
Third-party terms. You must comply with applicable third-party terms of agreement when using The Jar.
Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

16. Contact

Karen Situ
karensitu@ymail.com
Postal address available on request by email