SAMASAVE · LEGAL

Terms and Conditions

Last updated September 11, 2026

These terms apply when you use the SamaSave app or website. By creating an account or using SamaSave, you agree to them. If you do not agree, please do not use SamaSave.

1. What SamaSave is

SamaSave is a record-keeping and organizing tool for paluwagan groups. It helps organizers and members track members, turns, contributions, receipts and payouts.

SamaSave does not hold, transfer or guarantee money. Contributions and payouts are made directly between members and organizers, outside the app, through methods they choose (such as cash, GCash, Maya or bank transfer). SamaSave is not a bank, lender, e-money issuer, investment product or insurer.

2. Your account

• You must be at least 18 years old to use SamaSave.
• Give accurate information, keep your password private, and tell us if you think someone else has used your account.
• You are responsible for what happens under your account.

3. Organizers

If you create or manage a group, you agree to:

• Explain the group's rules, schedule, fees and payout order to members clearly and honestly before they join.
• Record contributions and payouts truthfully, and upload only genuine receipts.
• Pay out each member on their turn as agreed, and handle members' money responsibly.
• Add people who do not use the app only with their permission.
• Follow the laws that apply to you and your group.

4. Members

• Pay your contributions on time, as agreed with your group.
• Upload only genuine receipts for payments you actually made.
• Confirm a payout only after you have really received it, and report an issue honestly if you have not.

5. Risks of paluwagan groups

Paluwagan groups depend on trust between people. A member may fail to pay, or an organizer may fail to pay out. SamaSave's records, receipts and confirmations help make this visible, but SamaSave is not responsible for losses caused by members or organizers. Only join groups run by people you trust, and settle disagreements directly with your group. You can report an issue in the app so the other party can review it.

6. Things you must not do

• Use SamaSave for fraud, scams, pyramid or investment schemes.
• Upload fake or altered receipts, or impersonate someone.
• Post content that is abusive, hateful, illegal, or that shares someone else's private information.
• Try to break, overload, reverse-engineer or get unauthorized access to SamaSave.

We may suspend or close accounts that break these terms, especially where other members could be harmed.

7. Plans, payments and ads

Core features are free, with group limits. Optional paid plans are sold and billed through Google Play, and Google Play's terms and refund rules apply. Cancel any time in Google Play; access continues until the end of the paid period. Subscription fees are separate from group contributions. The free plan shows ads.

8. Your content

You own the information and photos you add. You allow us to store, display and process them only to run SamaSave for you and your groups, as described in the Privacy Policy.

9. Availability and changes

We work to keep SamaSave available and accurate, but it is provided “as is”, without guarantees that it will always be uninterrupted or error-free. Keep your own copies of important records. We may change or discontinue features, and we will give notice in the app for significant changes.

10. Limitation of liability

To the extent the law allows, SamaSave is not liable for indirect or consequential losses, or for money lost through dealings between members and organizers. Nothing in these terms limits rights you have under Philippine consumer law.

11. Ending your use

You can stop using SamaSave and delete your account at any time — see Delete Account.

12. Changes to these terms

We may update these terms. If the changes are important, we will tell you in the app before they take effect. Continuing to use SamaSave after that means you accept the updated terms.

13. Governing law

These terms are governed by the laws of the Republic of the Philippines.

14. Contact

Questions about these terms: lonpdzon@gmail.com