Terms of Service

Last updated: May 27, 2026

These Terms of Service govern your use of the apps and services provided by Phoenix Labs LLC ("Phoenix Labs," "we," "us," or "our"), located at 1441 242nd PL SE, Bothell, WA 98021, USA.

1. Acceptance of Terms

By accessing or using Phoenix Labs LLC apps and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the service.

2. Description of Service

Phoenix Labs LLC provides apps and services that help groups of people organize social circles and rotating savings clubs, schedule events, manage contributions, and communicate with each other. We provide tools to facilitate these activities but are not a financial institution.

3. User Accounts

You must provide accurate and complete information when creating an account. You are responsible for maintaining the security of your account and for all activities that occur under your account. You must notify us immediately of any unauthorized use.

4. User Responsibilities

You agree not to:

• Use the service for any unlawful purpose
• Harass, abuse, or harm other users
• Post false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of the service
• Use the service to conduct any form of financial fraud

5. Financial Disclaimer

Phoenix Labs LLC apps are a coordination tool only. We do not hold, transfer, or guarantee any funds. All financial transactions between group members are conducted independently. We are not responsible for any financial disputes, losses, or defaults between group members.

6. Intellectual Property

The Phoenix Labs LLC name, logo, and all related content are the property of Phoenix Labs LLC. You may not use our intellectual property without prior written permission.

7. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms or for any other reason at our discretion. You may also delete your account at any time.

8. Limitation of Liability

Phoenix Labs LLC apps and services are provided "as is" without warranties of any kind. We shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service.

9. Changes to Terms

We may modify these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.

10. Contact

For questions about these Terms, contact us at support@phoenixlabsllc.com.