Terms of Service

Last updated: 30 September 2026

Please read Section 20 carefully if you live in the United States. It says that disputes between you and Gleapinn will be resolved by binding individual arbitration, not in court, and that you give up the right to take part in a class action. You can opt out within 30 days of accepting these Terms, as explained in Section 20.7.

1. About these Terms

These Terms of Service ("Terms") are an agreement between you and Gleapinn Ltd ("Gleapinn", "we", "us", "our"). Gleapinn Ltd is a company incorporated in England and Wales (company number 17224039) with its registered office at 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom.

These Terms apply to the Gleapinn mobile app, the website at gleapinn.app, and any related services we provide (together, the "Service").

By creating an account, signing in or using the Service, you agree to these Terms. Our Privacy Policy explains how we collect and use personal information. Please read it as well. If you do not agree to these Terms, do not use the Service.

2. What Gleapinn does

Gleapinn is a social discovery service. If you choose, it links to your debit or credit card through a secure, read-only connection. It then shows you the brands, places and services you spend with. You decide, one brand at a time, which of these your Friends can see, and your Friends can do the same for you. Amounts are never shared with anyone.

In these Terms:

• a "Friend" is another Gleapinn user with whom you have a mutual connection, made when one of you invites the other and the invitation is accepted;
• a "Circle" is a named list you create to filter your Friends; and
• to "share" a brand means choosing to make your activity with that brand visible to your Friends, as described in Section 7.

Gleapinn is free to use with one linked card. Gleapinn Unlimited is an optional paid subscription that lets you link more cards (Section 9).

3. Eligibility

To use the Service, you must:

• be at least 18 years old;
• be able to enter into a binding contract;
• be located in a country where we offer the Service (currently the United States); and
• not be barred from using the Service under any applicable law.

We do not verify your age. By creating an account, you confirm that you meet these conditions. If we learn that an account holder is under 18, we will close the account and delete the data associated with it, as described in our Privacy Policy.

4. Your account

You can sign in with Sign in with Apple, Sign in with Google, or a one-time link sent to your email address. You are responsible for:

• giving accurate information when you register, and keeping it up to date;
• keeping your email account and your Apple or Google account secure, because they control access to your Gleapinn account; and
• all activity that happens under your account.

You may have only one account, and you may not share it with anyone or let anyone else use it. If you think someone has accessed your account without your permission, tell us promptly at security@gleapinn.app.

5. Linking a card

5.1 How the link works

Gleapinn uses Plaid Inc. ("Plaid") to link to your card and to collect transaction data from your financial institution. If you choose to link a card:

• You authorize the link. By linking a card, you grant Gleapinn and Plaid the right, power and authority to act on your behalf to access and transmit your personal and financial information from your financial institution, as needed to provide the Service.
• Plaid's terms apply. You agree to your personal and financial information being transferred, stored and processed by Plaid in accordance with the Plaid End User Privacy Policy. Plaid shows you its own consent screen before the link is made.
• The link is read-only. Gleapinn receives transaction information only. We never receive your online banking username or password. We cannot move money, make payments or change your accounts. We do not store your balances.
• You must be entitled to the card. Link only cards that you are an authorized holder of.

5.2 Unlinking

You can unlink a card at any time in the app. You can also revoke access through your bank or through Plaid's consumer portal at my.plaid.com. When a link ends, we stop receiving new transactions from that card. Our Privacy Policy explains what happens to transactions we have already received.

5.3 Accuracy of transaction data

Transaction data comes from your financial institution through Plaid. We organize it into brands and categories, but we do not guarantee that the data, or the way we have organized it, is complete, accurate or up to date. Some transactions may be missing, delayed or matched to the wrong brand.

6. Friends and invitations

Gleapinn is invite-only. You build your Friends through invitations, including invitation links and QR codes. When you invite someone or accept an invitation, that person becomes your Friend and can see your display name, handle, profile image and the brands you share. You can manage your Friends, and mute a Friend, at any time in the app.

Send invitations only to people you know, and do not use invitations to spam or harass anyone.

7. Sharing and your choices

What your Friends can see is entirely up to you:

• Every brand starts private. Your Friends cannot see a brand until you choose to share it.
• Sharing a brand makes your activity with that brand visible to your Friends, such as the fact that you use it and how often. Amounts are never shown.
• Recent activity only. Your Friends see activity for a shared brand from the last 90 days.
• You can stop sharing a brand at any time. Your Friends then stop seeing it, including past activity. The activity stays in your account. If you share the brand again, your Friends can see your activity with it from the last 90 days again.
• New brands. When a new brand appears in your activity, we will ask you to review it. It stays private unless you choose to share it.

Think before you share. Some brands can reveal sensitive things about you, such as your health, religion, political views or sex life. Examples include a pharmacy, a clinic, a place of worship, a political organization or a dating service. Share a brand only if you are comfortable with your Friends knowing that you use it. You are responsible for the choices you make about what to share.

8. Your content

"Your content" means content you create in the Service, such as your display name, handle, profile image and posts.

• You own it. You keep ownership of your content.
• Our license. You grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce and display your content, solely to operate and provide the Service to you and to the Friends you share it with. This license ends when you delete the content or your account, except where we are legally required to keep it.
• Your responsibility. You are responsible for your content and confirm that you have the rights needed to post it.
• Feedback. If you send us ideas or suggestions about the Service, we may use them without any obligation to you.

9. Gleapinn Unlimited

• Price and billing. The price and billing period are shown in the app before you buy. You buy Gleapinn Unlimited through the app store you downloaded the app from (the Apple App Store or Google Play), and you are billed by that store under its terms. We never receive your payment card number or payment credentials.
• Automatic renewal. Gleapinn Unlimited is a monthly subscription. It renews automatically at the then-current price, and your app store account is charged at the start of each billing period, until you cancel. We will tell you in advance, as required by law, before any price increase takes effect.
• How to cancel. You cancel, and manage renewal, in your Apple or Google account subscription settings, not in Gleapinn. Cancellation takes effect at the end of the current billing period, and you keep Gleapinn Unlimited until then.
• Refunds. Refunds are handled by the app store under its policies. We cannot issue refunds for purchases made through an app store.
• If your subscription ends. On the free plan, one card stays linked. If your subscription lapses or is cancelled, the card you linked first stays active. Your other cards stay linked but stop receiving new transactions, and they start again if you resubscribe. Your account, history and sharing choices are not affected.
• Deleting your account does not cancel your subscription. Cancel it in your app store account settings first.

Nothing in this Section affects your rights as a consumer under applicable law.

10. Acceptable use

You agree not to:

• use the Service in a way that breaks any law or regulation;
• link a card you are not entitled to use, create an account for someone else, or impersonate anyone;
• try to access another user's data, the amounts behind anyone's activity, or any non-public part of the Service;
• use the Service to stalk, harass, threaten, pressure or monitor anyone, including by requiring someone to share brands with you;
• post content that is unlawful, harassing, hateful, sexually explicit, infringing or harmful;
• interfere with, probe, overload or disrupt the Service or its security, or try to get around any access or rate limits;
• reverse engineer, decompile or disassemble the Service, except to the extent the law allows despite this restriction;
• scrape, harvest or extract data from the Service by automated means; or
• use the Service to build a competing product, or to train artificial intelligence or machine learning models.

We may remove content, restrict features or suspend accounts if we reasonably believe these Terms have been broken.

11. Not financial advice; not a bank

Gleapinn is a discovery service. It is not a bank, lender, payment service, money transmitter, credit reporting agency, or financial, investment, tax or legal adviser. The Service does not hold funds, move money or make payments. Nothing in the Service is financial, investment, tax or legal advice. Make your own decisions, and get professional advice where appropriate.

12. Intellectual property

The Service, including the Gleapinn name, logos, software, design and content we provide (but not your content), belongs to Gleapinn or its licensors and is protected by intellectual property laws. Brand names and logos shown in the Service belong to their owners. Showing them does not mean that those owners endorse or are affiliated with Gleapinn.

As long as you comply with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to install and use the app on devices you own or control, for your own personal, non-commercial use. You may not copy, modify, distribute, sell or create derivative works of the Service, except as the law allows or we agree in writing.

Copyright complaints. If you believe content in the Service infringes your copyright, send a notice to our designated copyright agent at legal@gleapinn.app, or by post to Gleapinn Ltd, Attn: Copyright Agent, 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom. Include the information required by 17 U.S.C. § 512(c)(3).

13. Third-party services and app stores

13.1 Third-party services

The Service relies on third parties, including Plaid, our hosting providers, Apple and Google. When you use those services, their own terms may also apply. We are not responsible for third-party services that we do not control, although we choose our providers carefully.

13.2 Apple App Store

If you downloaded the app from the Apple App Store, the following also applies:

• These Terms are between you and Gleapinn only, not Apple. Gleapinn, not Apple, is solely responsible for the app and its content.
• Your license to use the app is limited to use on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
• Apple has no obligation to provide maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app. To the maximum extent permitted by law, Apple has no other warranty obligation for the app.
• Gleapinn, not Apple, is responsible for addressing any claims relating to the app, including product liability claims, claims that the app fails to conform to legal or regulatory requirements, and claims under consumer protection, privacy or similar laws.
• Gleapinn, not Apple, is responsible for investigating, defending, settling and discharging any third-party claim that the app or your use of it infringes that third party's intellectual property rights.
• You confirm that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms. Once you accept these Terms, Apple has the right to enforce them against you as a third-party beneficiary.

Questions, complaints or claims about the app should be sent to us using the contact details in Section 24.

14. Changes to the Service

We are continually developing the Service. We may add, change or remove features, or suspend or discontinue all or part of the Service. If a change materially reduces what you have paid for, we will tell you in advance where reasonably possible. If we discontinue the Service entirely, we will give you reasonable notice and a chance to download your data.

15. Suspension, termination and deletion

• You can stop using the Service and delete your account at any time in the app. Account deletion is described in our Privacy Policy.
• We may suspend or close your account if you seriously or repeatedly break these Terms, if the law requires it, or if we reasonably need to in order to protect the Service, other users or third parties. Where appropriate, we will tell you why and give you a chance to respond, unless doing so would create a risk of harm or break the law.
• When your account is closed, the licenses granted to you end. Sections 8 (feedback), 11, 12, 16, 17, 18, 19, 20, 21 and 23 continue to apply.

16. Disclaimers

To the fullest extent permitted by law, the Service is provided "as is" and "as available". We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the Service will be uninterrupted, timely, secure or error-free. We also do not warrant that transaction data, brand matching or categories will be accurate or complete.

Some jurisdictions do not allow certain warranties to be disclaimed. In those jurisdictions, some of the above may not apply to you.

17. Limitation of liability

To the fullest extent permitted by law:

• neither Gleapinn nor its officers, employees or suppliers will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data or goodwill, arising out of or relating to these Terms or the Service; and
• our total liability for all claims arising out of or relating to these Terms or the Service is limited to the greater of (a) the amount you paid for the Service in the 12 months before the event giving rise to the claim, and (b) US$50.

Because the Service is read-only and cannot move money, it cannot make payments from or change your financial accounts.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law. This includes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, and for your non-waivable rights as a consumer.

18. Indemnity

To the extent permitted by law, you agree to indemnify and hold Gleapinn harmless from third-party claims, and related reasonable losses, costs and expenses (including reasonable legal fees), arising from your breach of these Terms, your misuse of the Service or your content. This does not apply to the extent that a claim results from our own breach, negligence or misconduct.

19. Changes to these Terms

We may update these Terms as the Service develops or the law changes. When we do, we will update the "Last updated" date above. For material changes, we will give you notice through the Service or by email at least 30 days before the change applies to you, unless the change is required by law or is needed urgently for security reasons. If you keep using the Service after a change takes effect, the updated Terms apply to you. If you do not agree, you can stop using the Service and delete your account.

We will not apply changes to Section 20 to a dispute that we received notice of before the change took effect.

20. Dispute resolution for users in the United States

This Section applies only if you live in the United States.

20.1 Talk to us first

Most concerns can be resolved quickly. Before starting arbitration or a court case, you and we each agree to send the other a written notice describing the dispute and the resolution requested, and to try in good faith to resolve it informally for 60 days. Send notices to legal@gleapinn.app and to our postal address in Section 24. We will send notices to the email address on your account. The notice must include your name, the email address on your account and a description of the dispute.

20.2 Binding individual arbitration

If a dispute is not resolved within 60 days, you and Gleapinn agree that any dispute, claim or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by binding individual arbitration, and not in court. The only exceptions are those in Section 20.4. This includes Disputes about the scope or enforceability of this Section, which the arbitrator will decide.

The Federal Arbitration Act governs this Section. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by this Section. The arbitration will take place in the county where you live, or remotely by video or written submissions, whichever you choose. For claims under US$10,000, we will pay all administrative and arbitrator fees, unless the arbitrator finds your claim frivolous. For larger claims, fees will be allocated under the applicable rules.

20.3 Class action and jury trial waiver

You and Gleapinn may each bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. You and Gleapinn each waive the right to a jury trial. The arbitrator may award relief only to the individual party seeking it, and only to the extent needed to resolve that party's individual claim.

20.4 Exceptions

Either party may:

• bring an individual claim in small claims court, as long as it stays there; and
• ask a court for an injunction to stop infringement or misuse of intellectual property.

Nothing here prevents you from bringing an issue to the attention of a government agency.

20.5 Mass filings

If 25 or more similar demands are filed against Gleapinn by the same or coordinated counsel, the administrator will handle them in batches of up to 50 demands, with one arbitrator per batch, and fees will be set per batch. Arbitration of each batch will begin only once the previous batch is finished. The statute of limitations is paused for each claim while it waits its turn.

20.6 Severability

If the class action waiver in Section 20.3 is found unenforceable for a particular claim or request for relief, that claim or request will be separated from the rest and decided in court. It will be put on hold until the individual arbitration has finished. If any other part of this Section is found unenforceable, the rest continues to apply.

20.7 Your right to opt out

You can opt out of this arbitration agreement within 30 days of first accepting these Terms. To do so, email legal@gleapinn.app from the email address on your account with the subject line "Arbitration Opt-Out", and state that you opt out. Opting out does not affect any other part of these Terms.

21. Governing law and courts

• If you live in the United States: these Terms are governed by the Federal Arbitration Act and the laws of the State of Delaware, without regard to its conflict-of-law rules. Any Dispute that is not subject to arbitration will be brought only in the state or federal courts located in New Castle County, Delaware, and you and we consent to their jurisdiction. You may also bring claims in the courts of your home state where the law of that state gives you that right.
• If you live anywhere else: these Terms are governed by the law of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction.

In every case, you keep the protection of any mandatory consumer laws of the place where you live.

22. Electronic communications

By using the Service, you agree to receive communications from us electronically, including in the app and by email. You agree that all agreements, notices, disclosures and other communications we provide electronically meet any legal requirement for them to be in writing. Service emails, such as sign-in links and important account or legal notices, are part of the Service and are not marketing. We will not send you marketing emails unless you have agreed to receive them.

23. General

• Entire agreement. These Terms, together with any policies they refer to, are the entire agreement between you and us about the Service. Our Privacy Policy is a notice that explains how we handle personal information. It is not part of this contract.
• Severability. If any part of these Terms is found to be unenforceable, the rest continues to apply.
• No waiver. If we do not enforce a right, that does not mean we give it up.
• Assignment. You may not transfer your rights or obligations under these Terms. We may transfer ours as part of a merger, acquisition, reorganization or sale of assets, as long as this does not reduce your rights.
• Third-party rights. Apple has the rights described in Section 13.2. Apart from that, no one other than you and us has rights to enforce these Terms.
• Events outside our control. We are not responsible for delays or failures caused by events beyond our reasonable control.
• Language. These Terms are written in English. Any translation is for convenience only.

24. Contact

If something goes wrong, please contact us first. We will try to put it right.

Gleapinn Ltd
71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
General and legal: legal@gleapinn.app
Support: support@gleapinn.app
Privacy: privacy@gleapinn.app
Security: security@gleapinn.app

California users: you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.