Terms and Conditions of Use

1. Acceptance of the Terms

By accessing Gogoratu, the user agrees to comply with these Terms and Conditions, as well as with any future modifications published on this page. The user also agrees to comply with applicable legal regulations in their country of residence.

2. Service Owner

The owner of this website is Obinion OÜ, a legally registered company in Estonia. You can contact us at info@gogoratu.net.

3. Purpose of the Service

Gogoratu provides a platform for managing personal and group expenses collaboratively, both via web and mobile apps.

Functionality may evolve, include paid or premium services, and is subject to the terms described here. The information provided is for informational purposes only and should not be considered professional advice.

4. Access and Use Requirements

• Users must be of legal age or have legal authorization.
• Users must provide truthful and up-to-date information.
• The platform must not be used for illegal or unauthorized purposes.
• Users must keep their login credentials confidential.

5. Registration and User Account

Some features require registration. Users are responsible for their account information and any activity performed under it. Sharing credentials with third parties is not allowed.

6. Payment Plans

• Gogoratu offers free and paid plans with different features.
• Payments are processed through third-party providers such as Stripe.
• Subscriptions can be canceled at any time from the user's account. No refunds will be issued for unused periods unless legally required.

7. Intellectual Property

All intellectual property rights over the content, design, and source code of Gogoratu belong to Obinion OÜ or its licensors. Reproduction, distribution, or modification without express authorization is prohibited.

8. Data Protection

The processing of personal data is governed by our Privacy Policy and complies with the General Data Protection Regulation (GDPR).

9. Limitation of Liability

Obinion OÜ is not liable for service interruptions, data loss, or misuse by users. The platform is provided 'as is' and 'as available', without any express or implied warranties.

10. Governing Law and Jurisdiction

These terms are governed by the laws of Estonia and any disputes shall be resolved in the courts of Tallinn, unless otherwise required by the user’s country of residence.