Terms of Use

Last updated October 27, 2026

By using Bubbles, you agree to these terms. They're short, so please read them.

What Bubbles does

Bubbles records who paid for what and who owes whom. It doesn't move, hold or send money. When you pay a friend, you pay them yourself with GCash, Maya, your bank or cash, then mark it in the app.

Your account

Keep your sign-in to yourself. You're responsible for what's done from your account. Use a name your friends will recognise.

What you add

Expenses, photos and QR codes you add are yours. You let us store them and show them to the people in your groups. Only add payment QR codes and account details that belong to you.

Check the numbers

Bubbles does the math, but the amounts come from you and your friends. Check them before you pay. We're not part of any payment between you and your friends, and we can't settle disagreements about who owes what.

Fair use

Don't use Bubbles to break the law, to harass anyone, or to send spam. Don't try to break into the app or other people's accounts.

The service

We work to keep Bubbles running and your data safe, but the app is provided as is. We may change or remove features. You can delete your account any time in You → Delete account. We may close accounts that break these terms.

Contact

Email mel.jefferson@proton.me. If we change these terms, we'll update the date at the top.