Jadly Terms of Service

Last Updated: November 2, 2026

Welcome to Jadly, a household finance management application developed and operated by Roni Al Rassy, doing business as R5Studios ("R5Studios", "we", or "us").

Jadly provides tools to record and organize expenses and income, manage household finances, create budgets and savings goals, split expenses, calculate individual shares, track balances and settlements, and use AI-powered features to assist with financial organization.

These Terms of Service ("Terms") govern your access to and use of the Jadly mobile application, website, and associated services (collectively, the "Service").

By creating an account or using Jadly, you agree to these Terms. If you do not agree, you must stop using the Service.

1. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction if higher, to create and independently operate a Jadly account.

By using Jadly, you confirm that:

You meet the applicable minimum age requirement.
You have the legal capacity to agree to these Terms.
The information you provide is accurate to the best of your knowledge.
You will use Jadly in compliance with applicable laws and regulations.

Jadly is intended for adults managing personal and household finances. Children are not permitted to create or independently operate accounts.

2. Acceptable Use

You agree to use Jadly only for lawful purposes and in accordance with these Terms.

You must not:

Use Jadly for fraudulent, unlawful, or deceptive activities.
Enter or upload information that you are not authorized to share.
Attempt to gain unauthorized access to another user's account or household.
Interfere with, disrupt, or compromise the Service or its infrastructure.
Reverse engineer, decompile, or attempt to extract the source code of Jadly, except where permitted by applicable law.
Exploit vulnerabilities, bypass access controls, or misuse authentication mechanisms.
Use automated methods to abuse, overload, or interfere with the Service.
Use Jadly to distribute malicious software or harmful content.
Misrepresent financial transactions or knowingly manipulate shared financial records to deceive other household members.

We reserve the right to investigate suspected misuse and take appropriate action, including restricting or suspending access.

3. Accounts and Authentication

Jadly uses passwordless email authentication through one-time verification codes.

You are responsible for:

Providing an email address that you own or are authorized to use.
Maintaining access to your email account.
Keeping verification codes confidential.
Protecting your device and account access.
Notifying us if you suspect unauthorized access to your account.

You are responsible for activity performed through your account, except where applicable law provides otherwise.

You must not impersonate another person or create an account using someone else's email address without authorization.

We may restrict or suspend accounts where we reasonably believe they are being used in violation of these Terms or pose a security risk.

4. Household Accounts and Shared Financial Records

Jadly allows users to create households and invite other users to participate in shared financial management.

By creating or joining a household, you acknowledge and agree that:

Household financial records are shared with household members.
Members may access household expenses, income, budgets, savings goals, allocations, settlements, and other shared financial information.
Household administrators may invite or remove members.
Invitations and membership changes may affect access to shared records.
Information entered into a household record may be visible to other household members.

You are responsible for reviewing household membership and ensuring that you invite only people you intend to share financial information with.

Household Administrators

Household administrators are responsible for managing membership and invitations appropriately.

Removing a member does not necessarily delete historical financial records associated with that member or household. Historical records may remain available to the household in accordance with the Service's data management rules and Privacy Policy.

Other Participants and Guests

You may include people who do not have Jadly accounts in expense records or bill-splitting scenarios.

You are responsible for ensuring that information you enter about other people is accurate and that you have an appropriate basis for sharing it.

Jadly does not automatically create an account or grant household access to someone simply because their name appears in a financial record.

5. User Data and Content

You retain ownership of the financial records, personal information, receipt images, notes, and other content you submit to Jadly ("User Content"), subject to any rights belonging to third parties.

By using Jadly, you grant R5Studios a limited, non-exclusive right to host, store, process, reproduce, and transmit your User Content solely as necessary to:

Operate and provide the Service.
Synchronize your information across your account and household.
Process receipts and financial records.
Provide AI-powered features you request.
Maintain security, troubleshoot errors, and support the Service.
Comply with applicable legal obligations.

This permission is limited to operating and improving the functionality of the Service and does not transfer ownership of your User Content to R5Studios.

You are responsible for ensuring that you have the rights and permissions necessary to submit any information, documents, photographs, or other content you upload.

Our handling of personal information is further explained in the Jadly Privacy Policy.

6. Financial Records, Calculations, and Settlements

Jadly provides tools to organize financial information and calculate amounts associated with expenses, income, allocations, budgets, balances, and settlements.

You acknowledge that:

You are responsible for entering accurate financial information.
Calculations depend on the accuracy and completeness of the information provided.
Currency conversions, rounding, taxes, tips, discounts, and allocations may produce results that require review.
You should verify amounts before relying on them or making payments to other people.
Household balances and settlement suggestions are organizational records and do not independently establish that a payment has been made.

Jadly does not currently act as a bank, payment institution, money transmitter, or payment processor.

Unless a specific payment feature is introduced and expressly described in the Service, Jadly does not transfer money, execute payments, or settle financial obligations between users.

You remain responsible for arranging and completing payments outside Jadly.

7. AI Features and Receipt Scanning

Jadly includes AI-powered functionality, including AskJad, receipt scanning, transaction interpretation, category suggestions, and expense-splitting assistance.

These features may use information you provide, including receipt images, expense details, prompts, and relevant household context.

AI-generated results may contain errors, incomplete information, incorrect interpretations, or suggestions that do not match your intentions.

For example:

A receipt may be scanned incorrectly.
An item may be assigned to the wrong category.
A merchant, tax, or total may be misidentified.
A bill-splitting calculation may not reflect the intended participants or allocation.
An AI-generated explanation may contain inaccurate information.
Currency inferences (including automated rules differentiating between USD and LBP based on numerical thresholds) and exchange conversions are estimates and must be manually verified by the user before saving records or settling internal household debts.

You are responsible for reviewing and confirming AI-generated results before saving records or relying on them.

AI features are provided as assistance tools only. They do not constitute financial, investment, tax, accounting, or legal advice.

AI functionality may depend on third-party providers and may occasionally be unavailable or produce different results.

8. No Professional Financial Advice

Jadly is a personal and household finance organization tool.

It does not provide:

Investment recommendations or portfolio management.
Banking or lending services.
Professional accounting or tax advice.
Legal advice.
Guaranteed financial forecasts or outcomes.

Budgets, summaries, trends, savings calculations, and AI-generated insights are informational tools based on the information available within the Service.

You are responsible for your financial decisions and should consult qualified professionals where appropriate.

9. Service Availability and Third-Party Services

Jadly is a cloud-based application and requires an internet connection for its online features.

We aim to provide a reliable service, but we do not guarantee that Jadly will always be available, uninterrupted, error-free, or compatible with every device or operating system.

Access may be temporarily affected by scheduled maintenance, infrastructure failures or outages, internet connectivity issues, security incidents, third-party service interruptions, or software updates.

Jadly relies heavily on third-party services for core functionality. Specifically, the platform utilizes external cloud hosting and database providers—including Render and Supabase—alongside Google Gemini AI processing APIs and Resend for email delivery.

We are not responsible for independent outages, failures, or service degradations originating from these third-party infrastructural pillars, except to the extent required by applicable law.

We may modify, suspend, or discontinue features when reasonably necessary to maintain or improve the Service.

10. Intellectual Property

Jadly and its associated software, source code, visual design, branding, logos, interfaces, features, documentation, and other original materials are owned by R5Studios or its applicable licensors and are protected by intellectual property laws.

Subject to these Terms, you are granted a limited, personal, non-exclusive, non-transferable, revocable license to use Jadly for its intended purposes.

You may not:

Copy or redistribute Jadly or substantial parts of its software.
Sell, sublicense, or commercially exploit the Service without written authorization.
Use Jadly's branding or trademarks without permission.
Claim ownership of Jadly's software, design, or proprietary materials.

Nothing in these Terms transfers ownership of Jadly's intellectual property to you.

Your ownership rights in User Content remain unaffected by this section.

11. Subscriptions and Payments

Any paid plans, subscriptions, or premium features introduced in Jadly will be subject to pricing and payment terms presented to you before purchase.

Where applicable, the relevant purchase platform or payment provider may manage billing, subscription renewals, cancellations, and refunds.

We will update these Terms and provide relevant subscription information before introducing paid services.

Unless expressly stated in the application, creating a Jadly account does not require a paid subscription.

12. Suspension and Termination

You may stop using Jadly at any time.

You may request deletion of your account by contacting us through the contact information provided below.

We may suspend, restrict, or terminate your access if:

You materially violate these Terms.
Your account is involved in fraudulent, unlawful, or abusive activity.
Your activity creates a security risk.
We are legally required to restrict access.
Continued operation of the account creates a material risk to the Service or other users.

Where reasonably possible, we will provide notice of suspension or termination unless doing so is prohibited by law or could compromise security.

Account termination does not automatically mean that every associated household record will be deleted. Shared financial records and other information may be retained or handled in accordance with the Privacy Policy and applicable legal obligations.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Jadly is provided on an "as is" and "as available" basis.

We do not guarantee that:

The Service will be uninterrupted or error-free.
Receipt scanning or AI outputs will always be accurate.
Financial calculations will be suitable for every user's circumstances.
Information will always be available without interruption.
The Service will meet every individual requirement or expectation.

To the maximum extent permitted by applicable law, R5Studios will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, Jadly.

This includes losses resulting from inaccurate user-entered information, reliance on unverified AI outputs, third-party service interruptions, or unauthorized access not caused by our failure to meet applicable legal obligations.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law, including mandatory consumer rights.

14. Indemnification

To the extent permitted by applicable law, you agree to be responsible for claims, losses, liabilities, and expenses arising directly from your unlawful use of Jadly, your material violation of these Terms, or your infringement of another person's rights through content you submit.

This section does not apply to the extent a claim results from our own breach of applicable law or obligations.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or removed if modification is not possible.

The remaining provisions will continue in effect.

16. Changes to These Terms

We may update these Terms as Jadly evolves, introduces new features, changes service providers, or modifies its operations.

For material changes, we will provide notice through the application, email, or another appropriate communication channel where required.

The "Last Updated" date at the top of this page will reflect the most recent revision.

Where required by applicable law, we will obtain any necessary consent before applying material changes.

17. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of Lebanon, without regard to its conflict of law principles.

By using Jadly, you agree that any disputes, claims, or controversies arising from or relating to these Terms, your use of the Service, or the relationship between you and R5Studios will be subject to the exclusive jurisdiction of the competent courts located in Lebanon.

Nothing in these Terms is intended to deprive consumers of protections that cannot legally be excluded under the applicable mandatory rights of users in their local jurisdictions.

18. Contact

For questions, support requests, or concerns regarding these Terms, please contact:

Jadly — Roni Al Rassy (d/b/a R5Studios)
Email: [email protected]
Website: https://r5studios.com

For information about how Jadly collects, uses, stores, and protects personal information, please review our Privacy Policy.