Terms of Service

Effective Date: May 2, 2026  ·  Last Updated: May 2, 2026

These Terms of Service (“Terms”) govern your access to and use of PaidPair, a web application available at https://paidpair.com and https://paidpair.app (together, the “Service”). The Service is operated by Date Palm Resources LLC (“PaidPair,” “we,” “us,” or “our”). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What PaidPair Is — and Is Not

PaidPair is a record-keeping and reminder tool for tracking personal interest-free loans between individuals (typically friends and family). The Service helps you record the existence of a loan, send and receive reminders about repayment, and confirm when a loan has been paid back.

PaidPair is not a lender, bank, money-services business, payment processor, or money transmitter. We do not collect, hold, transfer, or facilitate the movement of any funds. All financial transactions between users of the Service occur independently and entirely outside of PaidPair, through third-party services such as Venmo, Zelle, Cash App, bank transfer, or cash. PaidPair has no control over, responsibility for, or liability concerning the actual movement of money between users.

2. Eligibility

You must be at least 18 years old and legally able to enter into binding contracts in your jurisdiction to use the Service. By using PaidPair you represent that you meet this requirement.

3. Account Registration

To use the Service you must create an account, which requires providing:

• A valid email address you control
• A secure password
• Your real, full legal name
• A mobile phone number you control (verified by SMS)
• A unique user handle

You agree to provide accurate, current, and complete information and to keep it current. You are responsible for safeguarding your password and for all activity under your account.

4. Interest-Free Loans Only

PaidPair supports the recording of interest-free loans only. You agree that any loan recorded in PaidPair will not include interest, finance charges, or fees of any kind beyond the principal amount.

Tax note: the United States Internal Revenue Service treats certain interest-free personal loans as having “imputed interest” for tax purposes. Personal loans of $10,000 or less between individuals are generally exempt from imputed-interest rules under Internal Revenue Code § 7872(c)(2). PaidPair limits individual loans to $10,000 to keep users within this safe harbor. PaidPair does not provide tax advice; if you are uncertain how a specific loan affects your taxes, consult a qualified tax professional.

5. SMS Messages

By verifying your mobile phone number during signup, you consent to receive transactional SMS messages from PaidPair related to your account and loan activity. Message types include:

• Phone-number verification codes during signup
• Loan invitations from other PaidPair users
• Payment-due reminders sent 3 days before the due date, on the due date, and every 14 days while a loan is overdue
• Payment confirmation notifications
• Dispute and resolution notifications

Message frequency is per-loan, typically 3–6 messages over the lifetime of each loan.

Message and data rates may apply depending on your mobile carrier plan; PaidPair does not bill you for SMS.

To stop receiving messages, reply STOP to any PaidPair SMS. To get help, reply HELP. Opting out via STOP will halt all PaidPair SMS until you opt back in through the app.

6. Acceptable Use

You agree to use the Service only for lawful, personal-loan record-keeping with people you know and trust. You agree not to:

• Use PaidPair to record, track, or facilitate any commercial, business, or interest-bearing loan
• Use PaidPair as part of any debt-collection, money-laundering, or fraud scheme
• Create accounts using false identity information or impersonate another person
• Send loan invitations to people who have not consented to receive them, or in a manner that constitutes harassment
• Use the Service in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to other users’ accounts, loan records, or any non-public part of the Service
• Reverse engineer, scrape, or interfere with the operation of the Service

We reserve the right to suspend or terminate accounts that violate these provisions. Each user may send a maximum of five (5) outgoing loan invitations per day to prevent spam.

7. User Safety

To protect users, PaidPair:

• Never displays one user’s mobile phone number directly to another user
• Allows any user to report or block another user; reported pairs are blocked from creating new loans together
• Limits outgoing loan invitations per user per day

If you experience harassment, fraud, or unsafe behavior through the Service, contact us immediately at support@paidpair.com.

8. Disputes Between Users

PaidPair provides a “Report Issue” function that allows the lender of a loan to dispute a payment claim and a re-submission flow that allows the debtor to provide updated payment evidence. PaidPair is a record-keeping tool only and does not adjudicate disputes between users. You agree that any dispute regarding the existence, terms, performance, or repayment of a loan recorded in PaidPair is exclusively between you and the other party to that loan. PaidPair has no obligation to mediate, investigate, or resolve such disputes and bears no liability for their outcome.

9. Account Termination

You may delete your account at any time through the Service’s account-settings page. Upon deletion, your active personal information is removed from display and your loan history is anonymized. The other party to any loan you participated in retains their copy of the loan record (since the record is jointly relevant), but identifying details about your account will no longer be visible.

We may suspend or terminate your access to the Service, with or without notice, if we believe you have violated these Terms or applicable law, or to protect the safety of other users.

10. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted or error-free operation. PaidPair does not warrant the accuracy, reliability, or completeness of any user-supplied information (including loan amounts, dates, payment screenshots, or counterparty identity).

You assume all risk associated with extending or accepting loans recorded in the Service. PaidPair makes no guarantee that any loan recorded in the Service will be repaid.

11. Limitation of Liability

To the maximum extent permitted by law, PaidPair, Date Palm Resources LLC, and their officers, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or related to your use of the Service, even if advised of the possibility of such damages.

In any event, the total aggregate liability of PaidPair for any claim arising out of or related to the Service will not exceed the greater of (a) any amounts you have paid PaidPair in the twelve (12) months preceding the claim, or (b) one hundred U.S. dollars (US$100). The Service is currently provided free of charge.

12. Indemnification

You agree to indemnify and hold harmless PaidPair, Date Palm Resources LLC, and their officers, employees, and agents from any claim, demand, loss, liability, or expense (including reasonable attorneys’ fees) arising out of (a) your use of the Service, (b) any loan you record or accept through the Service, (c) any dispute between you and another user, or (d) your violation of these Terms or any applicable law.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Maryland, without regard to its conflict-of-laws principles. Any dispute between you and PaidPair arising out of or relating to the Service or these Terms will be brought exclusively in the state or federal courts located in Maryland, and you consent to personal jurisdiction in those courts.

14. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date at the top reflects the most recent revision. Material changes will be communicated through the Service or via email to your registered address. Continued use of PaidPair after a revision takes effect constitutes acceptance of the updated Terms.

15. Contact

Questions, complaints, or notices to PaidPair should be sent to:

PaidPair (Date Palm Resources LLC)
Email: support@paidpair.com