Terms of Service

These terms govern your use of the Jum app and this website. By creating an account, you agree to them.

What Jum is

Jum is a tool for organising recurring community events — RSVP, team formation, expense tracking and settlement. Jum helps your community keep track of who paid for what and who owes whom.

Jum does not process payments

This is important: Jum does not process payments, transfer money, or hold funds on behalf of any user. Jum only tracks and displays who owes whom, based on expenses logged and approved within the app. Any actual payment happens directly between members, outside of Jum — by bank transfer, cash, or whatever method your community already uses — and is then marked as settled in the app. Jum is not a party to that payment and is not responsible for it being made.

Accounts

• You're responsible for the accuracy of the information you provide and for keeping your account secure.
• You must be at least 13 years old to create an account.
• A no-account guest may be added to an event — by a community Admin, or by a Member bringing their own guest where the event allows it — and whoever adds them is responsible for the accuracy of what's submitted on the guest's behalf.

Community organisers

If you create or administer a community, you're responsible for how you run it — the accuracy of events you post, the expenses you approve, and communicating clearly with your members about costs and settlement. Jum provides the tool; the organiser makes the calls.

Acceptable use

You agree not to:

• Use Jum to harass, defraud, or misrepresent costs to another user.
• Log expenses that didn't occur, or manipulate a settlement to avoid a balance you actually owe.
• Attempt to disrupt, reverse-engineer, or gain unauthorised access to Jum's systems.

Content you submit

You're responsible for the events, expenses, and other content you submit. Jum may remove content that violates these terms or applicable law.

Service availability

Jum is a young, actively developing product, provided "as is." Features, and this policy, may change as the product develops.

Limitation of liability

Jum is provided "as is" and "as available," without warranties of any kind, whether express or implied, including any warranty of merchantability, fitness for a particular purpose, or non-infringement.

To the maximum extent permitted by applicable law, Jum and its operators won't be liable for any indirect, incidental, special, or consequential damages, or any loss of data, goodwill, or profits, arising from your use of the app. This includes any dispute between community members over expenses, settlements, or events organised through Jum — as stated above, Jum does not process payments or hold funds, so a financial disagreement between members is between those members, not Jum.

Where liability can't be excluded under applicable law, our total liability to you is limited to the greater of SGD 50 or the amount you've paid us in the 12 months before the claim arose.

Termination

You may delete your account at any time from within the app (outstanding balances or unsettled events must be resolved first). We may suspend or terminate access for a violation of these terms.

Governing law

These terms are governed by the laws of Singapore, and any dispute arising from them will be handled in the courts of Singapore.

Changes to these terms

If these terms change materially, we'll update the date at the top of this page and, where appropriate, notify you in the app.

Contact

Questions about these terms: hello@jum.sg.