Pa-ga-me
Terms of use
Last updated: 9 November 2026
In short
Pa-ga-me is free and needs no sign-up. Anyone with a group’s link can see and change it, so only share it with the right people. The app works out splits and balances, but it does not move money: you make the payments. Use it in good faith and without sensitive data.
Who provides the service
Pa-ga-me (pa-ga.me) is provided by Carlos Labrador Amieva, based in Spain · carlos@pa-ga.me. By using the website, the app or its integrations you accept these terms. If you don’t agree, don’t use it.
What Pa-ga-me is
A free tool to record shared expenses and work out who owes whom. There are no accounts: each group is identified by a secret link. We don’t provide payment services, hold money or take part in payments between group members.
Group links
The link is the group’s only key: anyone who has it can see, add, change and delete its data. You are responsible for sharing it only with the right people. If it leaks, create a new group and stop using the old one.
Acceptable use
Use Pa-ga-me for what it is for: splitting expenses. Don’t use it for unlawful activities, to store sensitive data (health, ID documents, bank details…) or other people’s data without their permission, or to attack, overload or abusively automate the service. We may limit use and delete groups or content that break these terms.
Calculations and exchange rates
Splits, balances and suggested payments are calculated automatically from the data you enter. Exchange rates come from a public source (Frankfurter, European Central Bank data) and are indicative. Check the figures before paying: we are not liable for decisions based on incorrect or incomplete data.
AI assistants
You can connect Pa-ga-me to third-party AI apps (ChatGPT, Claude, Gemini…). When you do, that app receives the link and data of the groups you use with it and handles them under its own terms and privacy policy. Review what the AI suggests before confirming it: whoever uses it is responsible for its interpretations (of a receipt, for example).
Availability and retention
We provide the service as is, without any guarantee that it will always be available or error-free, and we may change or discontinue it. Groups nobody opens for six months are deleted with all their data. There are usage limits to protect the service. If a group matters to you, keep your own copy of its figures.
Liability
To the extent permitted by law, we are not liable for indirect damages or for data loss resulting from use of the service. Nothing here limits your rights under consumer protection law.
Intellectual property
The Pa-ga-me name, design and code belong to their owner. The data you enter in your groups is yours.
Privacy
How we handle data is explained in Privacy and cookies.
Changes and governing law
We may update these terms; the date above shows the latest version. They are governed by Spanish law and, if you are a consumer, the courts of your place of residence have jurisdiction. Any questions: carlos@pa-ga.me or the help page.