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Terms of Service — ChipInPlan

Effective date: August 22, 2026

Provider: ChipInPlan, operated by Ferns Tech Inc, a New Jersey corporation. Contact: support@chipinplan.com.

By creating an account or using ChipInPlan (the "Service"), you agree to these Terms. If you don't agree, don't use the Service.

1. What ChipInPlan is

ChipInPlan is a tool for groups to plan together and keep track of shared expenses — polls, decisions, tasks, itineraries, receipt scanning, and settlement math. ChipInPlan is a record-keeping and coordination tool only.

2. Money: what we do and don't do — please read

  • ChipInPlan records who paid and who owes. It does not move, hold, transfer, or process money, and is not a bank, payment processor, money transmitter, or escrow service.
  • Any actual payments between you and other people happen outside ChipInPlan, through your own arrangements. Marking something "paid" is a note you or another member enters; it is not proof a payment occurred.
  • Cost estimates, splits, and AI-generated figures are aids, not financial, tax, accounting, or legal advice. You are responsible for verifying amounts and for your own settlements.

3. The AI assistant and automated features

  • The optional AI assistant and receipt text-extraction (OCR) are best-effort aids. Their output is a draft — it can be incomplete or wrong, and you should review it before relying on it. Nothing the AI produces is finalized or sent on your behalf without your action.

4. Your account

  • Provide accurate information and keep your password secure. You're responsible for activity under your account.
  • You must be at least 16 years old (or the age of digital consent where you live).
  • Tell us promptly at support@chipinplan.com if you suspect unauthorized access.

5. Your content

  • You keep ownership of the content you put into ChipInPlan (plans, receipts, messages, documents).
  • You grant us a limited licence to store, process, and display that content solely to operate the Service for you and the people you share a plan with (including running OCR and, at your request, the AI assistant).
  • You're responsible for having the right to upload what you upload, and for the content you share with other members.

6. Acceptable use

Don't: break the law; upload others' data without permission; attempt to access plans or accounts you're not a member of; probe, scrape, overload, or attack the Service; upload malware; or misuse the Service to harm others. We may suspend or terminate accounts that do.

7. Service availability

We aim to keep the Service available but provide it "as is" and "as available." We may change, suspend, or discontinue features, and there may be downtime, maintenance, or bugs.

8. Disclaimers and limitation of liability

  • To the fullest extent permitted by law, the Service is provided without warranties of any kind, express or implied (including merchantability, fitness for a purpose, and non-infringement).
  • We are not liable for indirect, incidental, special, or consequential damages, or for any disputes between members over money, plans, or content. Our total liability for any claim relating to the Service is limited to the greater of (a) the amounts you paid us in the 12 months before the claim, or (b) US $100.
  • Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you.

9. Indemnification

You agree to indemnify and hold ChipInPlan and Ferns Tech Inc harmless from claims arising out of your content, your use of the Service, or your breach of these Terms.

10. Termination

You may stop using the Service and delete your account at any time (see the Privacy Policy for how). We may suspend or terminate access for breach of these Terms or to protect the Service or its users.

11. Changes to these Terms

We may update these Terms; we'll post the new version and update the effective date, and notify you of material changes. Continued use after changes means you accept them.

12. Dispute resolution — binding arbitration

Please read this section carefully — it affects your legal rights.

  • Agreement to arbitrate. You and Ferns Tech Inc agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding, individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court — except as set out below.
  • No class actions. All claims must be brought in your individual capacity, not as a plaintiff or class member in any purported class, consolidated, or representative proceeding, and the arbitrator may not consolidate more than one person's claims.
  • Carve-outs. Either party may instead bring an individual claim in small-claims court if it qualifies. Either party may also seek injunctive relief in court to protect intellectual property or confidential information.
  • Opt-out. You may opt out of this arbitration agreement by emailing support@chipinplan.com within 30 days of first agreeing to these Terms, stating your name and that you opt out of arbitration. If you opt out, disputes will instead be resolved in the courts described in §13, and the no-class-action provision above still applies to the fullest extent permitted by law.
  • Severability. If the no-class-action provision is found unenforceable as to a particular claim, that claim (and only that claim) may proceed in court instead of arbitration, and the rest of this section remains in effect.

13. Governing law

These Terms are governed by the laws of the State of New Jersey, USA, without regard to conflict-of-law rules. Subject to §12 (Arbitration) above, any dispute not resolved by arbitration or in small-claims court will be brought in the state or federal courts located in New Jersey.

14. Contact

support@chipinplan.com.