Terms of Service

In plain English. Borro is a tool to track who owes whom — it isn’t a bank or a payment processor, and “settling up” records that a debt was cleared, it doesn’t move money. The app works offline, forever. Cloud features (backup, sync, receipt storage, sharing) are optional and depend on services we run. A free account is used on one device at a time; syncing across several devices at once is part of Borro Pro. Pro subscriptions are sold as weekly, monthly or yearly plans through the App Store or Google Play, renew until you cancel, and are refunded by the store — not by us. You can always export your data. These Terms are governed by the laws of Australia, and nothing in them removes rights you have under mandatory consumer law.

Acceptance of these terms

These Terms of Service (“Terms”) are a binding agreement between you and AroraLabs (“we”, “us”, “our”), a studio based in Australia, governing your use of the Borro mobile app and the website at borro.aroralabs.org (together, “Borro” or the “Service”). By downloading, accessing or using Borro, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, please do not use Borro.

Key terms

Service: the Borro app, its cloud features, and the website.
Account: a guest (anonymous, on-device) account, or a real account created with Apple, Google or email.
Cloud services: optional features that require signing in — backup, cross-device sync, receipt cloud storage, sharing, settlement and notifications.
Pro: the optional paid tier described in Section 8.
Store: the Apple App Store or Google Play, through which the app is distributed and subscriptions are sold.
Content: the data you enter — people, transactions, notes, receipts, groups and settings.

What Borro is (and isn’t)

Borro helps you record money lent, borrowed and split between people, with balances, reminders and optional sharing. It is a record-keeping tool only.

Borro is not a bank, lender, credit provider, money-transfer service, escrow agent, payment processor or financial product, and it does not move, hold or transmit funds. Marking a balance as settled, paid, partially paid or forgiven simply updates your records — it does not transfer any money between you and another person. Borro does not provide financial, tax, accounting, investment or legal advice. You are solely responsible for the accuracy of what you enter and for any real-world payment, agreement or settlement between you and others.

Eligibility & accounts

You must be old enough to form a binding contract in your country, and at least 13 years old, to use Borro; if you are under the age of majority where you live, you may use Borro only with the involvement of a parent or guardian. Some features require an account, created with Apple, Google or email sign-in. When you create a real account you choose a unique @username that is set once at sign-up. You agree to provide accurate information, to keep it up to date, and that you will not impersonate anyone or create an account for someone else without authority.

Account security & your responsibilities

You are responsible for all activity under your account and for keeping access to it — and to the device and sign-in method you use — secure. Borro offers an optional App Lock (Face ID / Touch ID / passcode) for an added layer of protection. Notify us promptly at support@aroralabs.org if you believe your account has been compromised. Because a free account is limited to one active device, signing in on a new device signs the previous one out (see Section 7).

The app vs. cloud services

The core Borro app runs on your device and works offline, indefinitely — your local ledger remains usable whether or not you have an account or an internet connection. Optional cloud services (account, backup, cross-device sync, receipt storage, sharing, settlement and notifications) require signing in and depend on infrastructure we operate. Cloud services are provided on an “as available” basis and may be changed, limited or discontinued as described in Section 10.

Devices: free vs. Pro

A free account is limited to one active device at a time. If you sign in to the same account on a new device, the previous device is automatically signed out. Before that happens, the previous device’s ledger is backed up to the cloud, so nothing is lost — signing back in restores it. Using your account on multiple devices at once, with live sync between them, is part of Borro Pro.

Borro Pro & subscriptions

Borro is free to use, with an optional Borro Pro upgrade that unlocks features such as cloud backup, multi-device sync, cloud storage of your personal receipt photos, receipt scanning, CSV/PDF export and import, a live currency converter, advanced insights, recurring transactions, unlimited groups (the free tier includes up to two), additional themes and accent colours, a home-screen balance widget, and App Lock. The exact set of Pro features may change over time and is described in the app.

Plans. Pro is sold as auto-renewing subscriptions — weekly, monthly and yearly — billed through the App Store or Google Play. There is no separately purchasable one-time or lifetime plan; any legacy lifetime purchase made before it was retired continues to be honoured on the account that bought it.
Auto-renewal. A subscription automatically renews at the then-current price for the same period unless you cancel at least 24 hours before the end of the current period. Your payment method is charged on renewal.
Free trials & promotions. Where the Store offers a free trial or introductory price on a plan, it applies as shown at purchase; unused trial time is forfeited when you subscribe. We may also grant time-limited promotional Pro — for example, roughly 7 days for a successful referral, or a short win-back bonus — subject to eligibility and anti-abuse limits described in the app. Promotional Pro is a courtesy, has no cash value, and may be withdrawn if obtained through abuse.
One purchase, one account. To prevent abuse, a given subscription purchase is tied to a single Borro account. If you buy Pro as a guest, you will be asked to create a real account to secure it.

Payments, renewals, cancellation & refunds

All subscription payments are collected by Apple or Google, not by AroraLabs, under the payment method on your Store account and subject to the Store’s terms.

Prices & taxes are shown in the app and charged by the Store in your local currency; the Store may add applicable taxes. We may change prices for future periods, with notice where required by law or Store rules.
Cancellation: manage or cancel anytime in your App Store or Google Play account settings. Cancellation stops the next renewal and takes effect at the end of the current paid period; you keep Pro until then. Deleting the app or your Borro account does not cancel a subscription — you must cancel it in the Store.
Refunds are handled by Apple or Google under their respective policies; we generally cannot issue Store refunds directly. If your country’s consumer law gives you a refund or cooling-off right, that right still applies.

We may apply reasonable fair-use limits to resource-intensive cloud features (such as receipt-image storage); any such limits are described in the app.

Changes to, or discontinuation of, cloud services

We may modify, suspend or discontinue any cloud feature (including backup, sync and receipt storage) — for example if it becomes impractical or uneconomical to operate. If we permanently discontinue a cloud service, we will, where reasonably possible:

give you at least 30 days’ advance notice in the app and/or by email; and
ensure you can export your data (CSV/PDF) before access to that service ends.

Even then, the app continues to function offline on your device with your existing data. Because the offline app and your data remain available to you, discontinuing a cloud service does not by itself entitle you to a refund — but we will always act fairly, in good faith, and in accordance with applicable consumer-protection law and the Stores’ rules.

Receipt & photo storage

Receipt photos attached to a shared 1:1 entry or a shared group expense are stored in the cloud so that the counterparty or group members can view them — this is necessary for sharing to work, and applies regardless of your plan. Cloud backup of your other, personal receipt photos is part of Borro Pro and may be subject to fair-use limits (Section 9) and to automatic clean-up after a retention period described in our Privacy Policy. Photos that are not backed up to the cloud remain available locally on the device that created them; if you reinstall the app or switch devices without cloud backup of a given photo, that photo may not be recoverable.

Acceptable use

You agree not to use Borro to:

break any law or regulation, or facilitate anything illegal (including fraud, money laundering, or unlicensed lending or money transmission);
harass, threaten, defame, defraud or harm anyone, or send unwanted or abusive messages, reminders or invites;
upload or record content you don’t have the right to share, or another person’s personal information without a lawful basis to do so;
attempt to access, alter or delete other users’ data, or circumvent our access rules, single-device limits, purchase controls or rate limits;
interfere with, overload, disrupt, probe or attack the Service, or use bots or automated means to abuse it;
reverse-engineer, decompile or attempt to extract source code, except to the limited extent that applicable law expressly permits despite this restriction; or
resell, sublicense or commercially exploit the Service without our written permission.

We may investigate, and may suspend or terminate accounts that abuse the Service or other users, or that create legal risk for us or others.

Your content

Your data is yours. You grant us only the limited, non-exclusive, royalty-free licence necessary to host, store, back up, sync and display it to you across your devices, and to transmit the specific information required for the people you transact with to receive and confirm it — all as described in our Privacy Policy. This licence exists only to operate the Service for you and ends when you delete the relevant content or your account, subject to short technical backup cycles. We claim no ownership of your Content, and we do not use it for advertising or to train AI/ML models. You are responsible for your Content and for having the rights and lawful basis to record and share it.

Our intellectual property

The Service itself — the Borro app and website, their design, code, branding, name, logo and the “Borro” marks — is owned by AroraLabs and protected by intellectual-property laws. Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to install and use the app on devices you own or control, for your own personal, non-commercial use. All rights not expressly granted are reserved. You may not use our name, logo or branding without our prior written permission, except as permitted by law.

App stores & third-party services

Your download and use of the app is also subject to the terms of the Store you obtained it from. For apps obtained through Apple, the standard Apple Licensed Application End User License Agreement applies, and: this agreement is between you and AroraLabs (not Apple); Apple has no obligation to provide maintenance or support for the app; Apple is not responsible for any product warranties or for addressing any claims relating to the app; and Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Similar principles apply to Google Play. The Service also relies on third-party providers listed in our Privacy Policy (such as Google Firebase and Zoho Mail); your use of features that depend on them is subject to their availability, and we are not responsible for the acts or omissions of third parties beyond our reasonable control.

Disclaimers

To the maximum extent permitted by law, Borro is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that balances, currency conversions, reminders, sharing, notifications or sync will be accurate, complete, error-free, secure or uninterrupted, or that data will always be recoverable. Borro does not provide financial, tax, accounting or legal advice, and you should not rely on it as such. You use the Service at your own discretion and risk. Nothing in this section excludes or limits any guarantee, warranty or right that cannot lawfully be excluded — including the consumer guarantees under the Australian Consumer Law and equivalent rights in other countries.

Limitation of liability

To the maximum extent permitted by law, AroraLabs and its team will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of data, profits, goodwill, savings or money, arising out of or relating to your use of (or inability to use) Borro, even if we have been advised of the possibility of such damages. To the maximum extent permitted by law, our total aggregate liability for any and all claims relating to the Service will not exceed the greater of the amount you paid us for it in the 12 months before the claim, or AUD $25.00.

Where liability cannot be excluded under applicable law — including under the Australian Consumer Law — but can be limited, our liability is limited, at our option, to re-supplying the relevant service or paying the cost of having it re-supplied. Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that applicable law says cannot be excluded, restricted or modified.

Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless AroraLabs and its team from third-party claims, liabilities, damages and reasonable costs arising out of your misuse of the Service, your breach of these Terms, or your recording or sharing of another person’s information without a lawful basis. This does not apply to the extent a claim arises from our own breach or negligence, and it does not affect your non-excludable consumer rights.

Termination

You may stop using Borro and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms, use the Service unlawfully, or create risk or legal exposure for us or others; where practical and lawful we will give you notice. You can continue to use the offline app with your local data regardless of account status. Sections that by their nature should survive termination — including Sections 13–18 and 20 — survive.

Re-registration after deletion. To keep accounts secure and prevent abuse, once you delete a real account you may be unable to create a new Borro account using the same email address for 30 days (the recovery window during which you can also restore the account). After that period you are free to sign up again. See our account deletion guide for details.

Governing law & disputes

These Terms and any dispute or claim arising out of or in connection with them or the Service are governed by the laws of Australia (and, where relevant, the State or Territory in which AroraLabs is established), without regard to conflict-of-laws rules. You and we submit to the non-exclusive jurisdiction of the courts of Australia. This choice of law and venue does not deprive you of the protection of mandatory consumer-protection laws of your country of residence, and does not prevent you from bringing proceedings, or requiring us to do so, where your local law gives you that right.

Before starting formal proceedings, we encourage you to contact us at support@aroralabs.org so we can try to resolve the matter informally.

Changes to these terms

We may update these Terms as Borro evolves. We will revise the “last updated” date and, for material changes, give notice in the app and/or by email before they take effect. Continuing to use Borro after changes take effect means you accept the updated Terms. If you do not agree to a change, your remedy is to stop using the cloud services and, if you wish, delete your account.

Contact

Questions about these Terms? Email support@aroralabs.org. See also our Privacy Policy.

Terms of Service.