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Terms of Use

Last updated: August 10, 2026

These Terms of Use (the “Terms”) are a legal agreement between you and Diego Pais (“we”, “us”, or “Dribs”) governing your use of the Dribs mobile application and any related services (together, the “App”). By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. Eligibility

You must be at least 16 years old to agree to these Terms and use the App. If you are under 18, you may use the App only with the consent of a parent or legal guardian, who accepts these Terms on your behalf. If you use the App on behalf of an organization, you represent that you are authorized to accept these Terms on its behalf.

2. License to Use the App

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on any Apple-branded device that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.

We reserve all rights not expressly granted to you. This license does not transfer ownership of the App or any part of it.

3. Things You May Not Do

You agree not to:

• Copy, modify, or create derivative works of the App, except as permitted by applicable law;
• Reverse engineer, decompile, or disassemble the App, or attempt to derive its source code, except to the extent this restriction is prohibited by law;
• Rent, lease, lend, sell, sublicense, or otherwise distribute the App;
• Remove or obscure any proprietary notices in the App;
• Use the App to break the law, to infringe anyone’s rights, or to store or transmit unlawful content;
• Interfere with, disrupt, or place unreasonable load on any service the App relies on, including automated or excessive requests to third-party APIs;
• Attempt to gain unauthorized access to another person’s data or ledgers.

4. Your Content and Your Responsibility

You own the financial information you enter into the App: your accounts, ledgers, transactions, balances, categories, and related notes (“Your Content”). We do not claim ownership of it, and as described in our Privacy Policy, we do not receive or store it.

Because Your Content lives on your device and, if you enable sync, in your own iCloud account, you are responsible for maintaining backups. Deleting the App, resetting your device, signing out of iCloud, or removing Dribs data from your iCloud settings may permanently delete Your Content. We cannot recover it for you.

5. Shared Ledgers

The App lets you share a ledger with other people through Apple’s CloudKit sharing. If you share a ledger:

• You are responsible for choosing who you invite and for the information you make visible to them;
• Participants may be able to view, and depending on the permissions you grant, add or modify records in that ledger;
• Records that another participant has already seen or copied may remain available to them after you revoke access;
• You must have the right to share any information about third parties that you include in a shared ledger.

6. Not Financial, Tax, or Legal Advice

Dribs is a personal record-keeping and budgeting tool. It does not provide financial, investment, accounting, tax, or legal advice, and nothing in the App should be interpreted as a recommendation to take or refrain from any financial action. Balances, totals, projections, and converted amounts are calculated from the data you enter and from third-party rate data, and may be incomplete, delayed, or incorrect.

You are solely responsible for your financial decisions. Consult a qualified professional before relying on any figure in the App for tax filings, lending, or other consequential purposes.

7. Currency Conversion and Exchange Rates

Currency conversion in the App uses exchange-rate data supplied by Open Exchange Rates. These rates are indicative reference rates only. They are not the rates your bank, card issuer, or payment provider will apply, may be delayed or unavailable, and should not be relied on for trading or settlement. We do not guarantee the accuracy, completeness, or timeliness of this data.

8. Third-Party Services

The App relies on services operated by third parties. Your use of those services is governed by their own terms, and we are not responsible for how they operate.

9. Device Security and Face ID

The App offers optional protection with Face ID or your device passcode. This is a convenience feature that relies on your device’s operating system; it is not a guarantee against unauthorized access. Keeping your device, passcode, and Apple Account secure remains your responsibility.

10. In-App Purchases and Subscriptions

The App offers paid features through in-app purchase. All such purchases are made through the App Store: Apple, not us, is your contracting party for the purchase itself and handles payment, invoicing, and applicable VAT. The purchase is governed by the Apple Media Services Terms and Conditions, while these Terms continue to govern your use of the App and its paid features.

Free version and Dribs Pro

The free version of the App is a complete expense tracker: unlimited transactions and accounts, one ledger, all supported currencies with automatic exchange rates, statistics, search, CSV import, and optional iCloud sync and backups.

Dribs Pro is an auto-renewing subscription, available as a monthly or an annual plan, that additionally unlocks:

• unlimited ledgers;
• ledger sharing (each participant needs their own Pro access; with Apple Family Sharing, one subscription can cover the members of a family group);
• investment tracking;
• advanced analytics;
• an unlimited number of people per ledger.

The exact feature set and price shown in the App and on the App Store listing at the time of your purchase describe what your subscription includes. Where we change what Pro includes, Section 11 and the notice rules below apply.

Free trial

The annual plan includes a 14-day free trial for new subscribers. When the trial ends, it converts into a paid annual subscription automatically unless you cancel at least 24 hours before the trial ends. A trial is available once per Apple Account; Apple determines eligibility at the time of purchase.

Auto-renewing subscriptions

• Payment is charged to your Apple Account at confirmation of purchase.
• A subscription renews automatically for the same period unless you cancel at least 24 hours before the end of the current period. Your Apple Account is charged for renewal within 24 hours before the period ends.
• You can manage or cancel a subscription at any time in your Apple Account settings. Deleting the App does not cancel a subscription.
• Cancellation takes effect at the end of the current paid period; you keep access until then.

Right of withdrawal and refunds

As a consumer in the European Union you have a statutory right to withdraw from a distance contract for digital content within 14 days. This right can lapse once delivery of the digital content has begun with your express consent and your acknowledgement that you thereby lose the right of withdrawal, which is what happens when a purchase unlocks a feature immediately.

Because Apple is your contracting party for the purchase, both the withdrawal right and refund requests are exercised through Apple, at reportaproblem.apple.com. We are not able to issue refunds for App Store purchases ourselves, but contact us if something has gone wrong and we will help where we can.

Price and feature changes

We will give at least 30 days’ notice of a price change affecting an existing subscription, and the new price will never apply to a period you have already paid for. If we discontinue a paid feature you are actively subscribed to, you may cancel as described above.

11. Updates and Availability

We may release updates that add, change, or remove features, and we may stop supporting older versions of the App or of iOS. We may also modify or discontinue the App entirely at any time. We will make reasonable efforts to give notice of a discontinuation where practical, but we are not obligated to keep any particular feature available.

12. Intellectual Property

The App, including its software, design, text, graphics, and the Dribs name and logo, is owned by us and protected by intellectual property laws. Feedback you send us is voluntary, and you grant us the right to use it to improve the App without obligation or compensation to you.

13. Warranty

Where you have acquired paid features, your statutory warranty rights apply in full and are not limited by these Terms. For consumers in the European Union, this includes the statutory rights for digital products under §§ 327 ff. of the German Civil Code (BGB), including our obligation to provide updates necessary to maintain conformity.

Beyond those statutory rights, the App is provided “as is” and “as available”. In particular, we do not guarantee that the App will be uninterrupted or free of all errors, that it will be compatible with every device or future version of iOS, or that calculations, exchange rates, or synced data will be accurate, complete, or preserved. The free features of the App are provided without charge, and our liability for them is limited as set out in Section 14.

14. Liability

We are liable without limitation for damages caused intentionally or by gross negligence, for injury to life, body, or health, under the German Product Liability Act (Produkthaftungsgesetz), and to the extent we have given a guarantee.

In the case of slight negligence, we are liable only for breach of an essential contractual obligation (an obligation whose fulfilment makes the proper performance of these Terms possible in the first place and on whose observance you may regularly rely). In that case our liability is limited to the foreseeable damage typical for this type of contract.

Any further liability is excluded. This applies in particular to loss of data where the loss could have been avoided by you maintaining regular backups, as described in Section 4.

The above limitations also apply in favour of our employees, agents, and other persons we engage in performing our obligations. Nothing in this Section affects any mandatory statutory liability.

15. Your Responsibility for Misuse

If you culpably breach these Terms and a third party brings a claim against us as a result (for example, arising from unlawful content you place in a shared ledger or from your infringement of a third party’s rights), you will reimburse us for the resulting damage, including reasonable costs of legal defence, in accordance with the statutory rules. This does not apply where you are not responsible for the breach, and it does not limit your statutory rights.

16. Termination

These Terms apply until terminated. You may terminate them at any time by deleting the App from your devices. Note that this does not cancel an active subscription, which must be cancelled separately as described in Section 10. We may suspend or terminate your license if you materially breach these Terms; your statutory rights and any paid subscription period remain unaffected. Sections that by their nature should survive termination (including Sections 4, 6, 12, 13, 14, 15, and 18) will survive.

17. Apple-Specific Terms

The following apply because the App is distributed through the App Store:

• Not with Apple. These Terms are between you and us only, not with Apple. We, not Apple, are solely responsible for the App and its content.
• Support. Apple has no obligation to provide any maintenance or support for the App. Support requests should be sent to us at the address below.
• Warranty. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
• Product claims. We, not Apple, are responsible for addressing any claims relating to the App, including product liability claims, claims that the App fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or privacy law.
• Intellectual property claims. If a third party claims the App infringes its intellectual property rights, we, not Apple, are solely responsible for the investigation, defense, settlement, and discharge of that claim.
• Legal compliance. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms and have the right to enforce them against you.

18. Governing Law and Jurisdiction

These Terms are governed by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods.

If you are a consumer with your habitual residence in another country, this choice of law does not deprive you of the protection of any mandatory provisions of the law of that country. You may bring proceedings against us in the courts of your country of residence, and we may bring proceedings against you only there.

If you are a merchant, a legal entity under public law, or a special fund under public law, the exclusive place of jurisdiction for all disputes arising from these Terms is Berlin, Germany.

We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board (Verbraucherschlichtungsstelle).

19. Changes to These Terms

We may update these Terms, for example to reflect new features, or changes in the law or in the third-party services the App relies on. We will notify you of material changes in the App or by other appropriate means before they take effect, together with the date they take effect.

If you do not agree to a change, you may stop using the App and, where you hold a subscription, cancel it as described in Section 10; the change will not apply to a subscription period you have already paid for. Changes will not be applied retroactively and will not reduce rights you have already acquired.

20. Final Provisions

Severability and waiver. If any provision of these Terms is found unenforceable, it will be limited or removed to the minimum extent necessary and the remaining provisions will stay in effect. Our failure to enforce a provision is not a waiver of it.

Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the App.

Assignment. You may not assign your rights under these Terms. We may assign ours to a successor in connection with a transfer of the App, provided this does not reduce your rights; if that happens, you may stop using the App and cancel any subscription as described in Section 10.

Force majeure. Neither party is liable for delay or failure to perform caused by events beyond its reasonable control, such as natural disasters, war, industrial action, or failures of infrastructure or third-party services. This does not affect your statutory rights or any refund you are due.

Language. These Terms are written in English, and the English version governs. We are happy to answer questions about them in German.

21. Provider and Contact

The App is provided by:

Diego Pais
Charlottenburger Str. 140
13086 Berlin, Germany
hello@dribs.app

Full provider details are set out in our Impressum.