Amsio

Terms of use

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These terms

These terms are an agreement between you and Pranix, LLC ("we", "us"), the company that runs Amsio. They apply when you use Amsio on the web or through its WhatsApp or Telegram chats. By creating an account or using Amsio, you agree to them. Our privacy notice explains how we handle your data.

Effective date: November 8, 2026.

Who can use Amsio

  • You must be 18 or older.
  • Amsio is offered in the United States. If you use it from elsewhere, you are responsible for following your local laws.
  • You may not use Amsio if we have closed your account for breaking these terms, or if the law forbids you from using it.

Your account

  • Your account belongs to you alone. Sign in with your own phone number, email or chat, and keep access to them secure: anyone who can read your sign-in codes can use your account.
  • Never share a sign-in code. Amsio staff will never ask you for one.
  • Keep your details accurate, and tell us through the Contact form if you think someone else has used your account.
  • You are responsible for what happens in your account, unless it happened because of our failure.

Amsio keeps records; it does not move money

  • Amsio records shared expenses and suggests payments that would settle a group's balances. Amsio is not a bank or a money transmitter. It does not hold, send, receive or settle money, and it does not lend, collect debts or decide disputes.
  • Balances come from what members record and confirm. They are records kept for your group's convenience, not proof that anyone legally owes anyone. A payment counts in Amsio only after the person who received it confirms it.
  • When you pay someone, you do it outside Amsio, for example in cash or through a payment app. That payment is between you, the other person and that payment service.
  • Amsio is not financial, tax or legal advice. Categories, summaries and exports help you keep records; check anything important with a professional.

AI drafts

Amsio uses AI to read your messages and receipt photos and draft expenses. AI drafts can be wrong. Nothing changes a balance until a person reviews and confirms it, so check each draft before you confirm it. Amsio's own code, not the AI, does the arithmetic. You can always enter an expense by hand instead.

Ledgers and other members

  • Everyone in a ledger can see its expenses, payments, balances and receipts. Before you join, the invitation shows who is in it. Share invitations only with people you mean to include.
  • Record only expenses you believe are true. Corrections are added beside the original, which stays in the ledger's history.
  • The person who started a ledger organizes it and can manage its members. Disagreements about money are for the members to settle; we do not decide who is right.
  • If you delete your account, the expenses and payments other members took part in stay in their ledgers, shown as by "Deleted member", because their balances depend on them.

Your content

  • You keep ownership of what you put into Amsio: expenses, messages, receipts and names ("your content").
  • You give us permission to store, copy, process and display your content only to run Amsio for you and the members of your ledgers. This includes sending it to the service providers on our service providers page, such as our AI provider, for that purpose. This permission ends when your content is deleted, except for copies in backups until they expire.
  • Only upload what you have the right to share. Remember that receipts and descriptions can include other people's names.
  • If you send us ideas or feedback, we may use them without owing you anything.

Acceptable use

Don't use Amsio to:

  • harass, threaten, shame or pressure anyone, including through reminders or expense descriptions;
  • record amounts you know are false, or try to deceive other members;
  • upload malware, illegal content, or files you have no right to share;
  • break the law, including laws on money laundering, fraud or privacy;
  • get into accounts or data that aren't yours, probe or overload our systems, or get around rate limits or security;
  • copy, scrape or resell Amsio, or use it to build a competing service; or
  • send spam or bulk messages through Amsio's chats.

WhatsApp, Telegram and other services

When you use Amsio through WhatsApp or Telegram, those services' own terms and privacy notices apply to them too. We don't control them and are not responsible for their availability, delivery delays or changes to what they allow. The same goes for any payment app or other service you use alongside Amsio. Amsio works on the web if a chat is unavailable.

Price

Amsio is free to use today. If we introduce paid plans, we will show you the price and terms, including how renewal and cancellation work, before you buy. We will never charge you without your agreement. Features that are free today may become part of a paid plan; if one you use does, we will tell you in advance.

Changes, suspension and deleting your account

  • Amsio is new and will change. We may add, change or remove features. If we remove something important or shut Amsio down, we will tell you in advance where we reasonably can, and give you time to export your ledgers.
  • You can stop using Amsio and delete your account at any time in Account.
  • We may suspend or close an account that breaks these terms, puts other people or Amsio at risk, or must be closed by law. Where we reasonably can, we will tell you why and let you export your data first.
  • The sections on records and money, your content (for copies still needed), disclaimers, limitation of liability, indemnity, and disputes continue after your account ends.

Disclaimers

We work to keep Amsio accurate, secure and available, but we provide it "as is" and "as available". To the extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We don't promise that Amsio will be uninterrupted or error-free, that AI drafts will be correct, or that information members enter is accurate. Some places don't allow these exclusions, so some may not apply to you.

Limitation of liability

To the extent the law allows, Pranix, LLC is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, data or goodwill, arising from your use of Amsio. Our total liability for any claim about Amsio is limited to the greater of the amount you paid us for Amsio in the 12 months before the claim, or US$100. Nothing in these terms limits liability that the law does not allow us to limit, such as for fraud or for harm caused by gross negligence or wilful misconduct.

Indemnity

If someone makes a claim against us because you broke these terms or the law, or because of content you uploaded without the right to, you agree to cover our reasonable costs of that claim, including reasonable legal fees, to the extent the law allows. We will tell you about the claim and let you take part in responding to it.

Governing law and disputes

  • If you have a problem with Amsio, contact us first through the Contact form. Most problems can be fixed quickly, and we will try to resolve yours within 30 days.
  • These terms are governed by the laws of the state in which Pranix, LLC is organized and by applicable US federal law, without regard to conflict-of-law rules. If you live in a state whose consumer laws give you more protection, those protections still apply to you.
  • Either of us may bring a claim in a small-claims court where you live, if it qualifies. Otherwise, claims go to the state or federal courts serving the place where Pranix, LLC has its principal office, unless the law where you live gives you the right to sue at home.

Changes to these terms

We may update these terms, for example when we add features or when the law changes. We will post the new version here with a new effective date. If a change materially affects your rights, we will tell you by email or in the app at least 7 days before it takes effect. If you keep using Amsio after a change takes effect, the new terms apply; if you don't agree, you can delete your account before then.

General

  • These terms and the privacy notice are the whole agreement between you and us about Amsio.
  • If part of these terms can't be enforced, the rest still applies. If we don't enforce a part right away, we can still enforce it later.
  • You may not transfer your account or these terms to someone else. We may transfer them if Amsio is merged, acquired or sold, and we will tell you if that happens.
  • We aren't responsible for delays or failures caused by events outside our reasonable control, such as outages at providers we depend on.

Contact

Questions about these terms? Use the Contact form. Amsio is provided by Pranix, LLC.