FundLoop
User Agreement
Effective November 4, 2026
Acceptance
By downloading, accessing, or using FundLoop, you agree to this User Agreement. If you do not agree, do not use the product.
The service
FundLoop keeps savings circles and shared bills organized. Run a susu with a clear payout order, or split rent, trips and dinners and see exactly who owes who. Members pay each other directly. FundLoop keeps the records. Features may change as we improve the product, and some functionality may depend on your device, region, operating system, or third-party services.
What FundLoop is
FundLoop is software for organizing rotating savings circles (susu) and shared expenses. FundLoop is not a bank or money transmitter. It does not hold, move or process money and is not a party to agreements between members. It is not an investment, lending or interest-earning product.
Payments between members
Members pay each other outside the app using cash, Zelle, Cash App, Venmo, PayPal, bank transfer or other services they choose. Those services’ terms and fees apply. A payment marked in FundLoop is a record for the group, not proof that money was transferred.
No guarantee of payment
FundLoop does not guarantee that any member will pay, pay on time, or that any payout or repayment will happen.
Risk
Savings circles and shared expenses depend on trust. Members may pay late, miss payments or leave, which can cause financial loss.
Disputes between members
Disputes between members are between those members. FundLoop may provide records but does not resolve disputes or collect money owed.
Group owners
Group owners can confirm payments, manage members and change group settings. Owners are responsible for confirming payments accurately.
Eligibility
You must be 18 or older to use FundLoop.
Prohibited use
You may not use FundLoop for fraud, money laundering, unlawful transactions or illegal gambling.
Electronic records
You accept this User Agreement electronically by checking a box in the app. FundLoop records your account, the version of the agreement and the time of acceptance.
Your responsibilities
You are responsible for the accuracy of information you enter, protecting your account and device, maintaining appropriate backups, and using the product lawfully. You may not misuse the service, interfere with its operation, attempt unauthorized access, impersonate another person, violate another person's privacy or intellectual-property rights, or use the product to harm or defraud others.
No professional advice
FundLoop is a software tool and does not provide legal, financial, tax, accounting, medical, or other professional advice. Consult a qualified professional when advice is needed.
Third-party services
FundLoop uses Google Firebase for authentication, database, cloud functions, file storage and push notifications, and Apple and Google for sign-in. Their separate terms and policies may also apply. Nirmita Technologies is not responsible for services controlled by those providers.
Availability and changes
We may update, suspend, or discontinue features to improve security, comply with law, or evolve the product. We do not guarantee uninterrupted or error-free availability.
Disclaimer and limitation
To the extent permitted by law, FundLoop is provided “as is” and “as available,” without warranties of any kind. Nirmita Technologies LLC will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the product.
Termination
You may stop using the product at any time. We may restrict access when reasonably necessary to protect users, enforce this Agreement, comply with law, or secure the service.
Changes to this Agreement
We may update this Agreement. Continued use after an update means you accept the revised Agreement. The effective date above identifies the current version.
Contact
Questions may be sent to contact@nirmitatechnologies.com.