Disclaimer

Effective Date: December 28, 2025

This Disclaimer applies to your use of the PocketWell platform, website, and services (collectively, "the Service"). By accessing or using PocketWell, you acknowledge and agree to the terms of this Disclaimer in conjunction with our Terms and Conditions and Privacy Policy.

1. General Information and No Professional Advice

1.1 Informational Purposes Only

The content provided on PocketWell, including event pages, help articles, blog posts, FAQs, and informational resources, is for general informational purposes only. Nothing on this Service constitutes:

• Legal advice or legal counsel
• Financial advice or investment guidance
• Tax advice or tax planning recommendations
• Professional advice of any kind

You should seek independent professional advice tailored to your specific circumstances before making any legal, financial, or tax-related decisions.

1.2 No Attorney-Client or Advisor Relationship

Use of the Service does not create any attorney-client, financial advisor-client, or professional advisor-client relationship between you and PocketWell or its affiliates.

1.3 Tax Implications

Important: Receiving monetary gifts through PocketWell may have tax implications depending on your jurisdiction:

• United States: Large gifts may be subject to gift tax rules (IRS regulations apply)
• United Kingdom: Gifts may be subject to Inheritance Tax rules in certain circumstances
• Australia: While personal gifts are generally not taxable income, there may be exceptions
• Canada: Personal gifts are typically not taxable, but consult a tax professional
• New Zealand: Personal gifts are generally not taxable income, but seek professional advice

We strongly recommend consulting with a qualified tax professional in your jurisdiction to understand your obligations.

PocketWell does not:

• Provide tax forms or tax reporting services
• Determine whether contributions constitute taxable income
• Offer guidance on tax compliance or reporting requirements
• Accept liability for any tax consequences arising from your use of the Service

2. Platform Use and User Responsibility

2.1 Platform as a Facilitator

PocketWell is a digital platform that enables users to:

• Create event pages for celebrations
• Share links and QR codes with guests
• Facilitate monetary gifting through Stripe Connect

Important Clarifications:

PocketWell does not:

• Monitor, verify, or validate the accuracy of event content or user-submitted information
• Endorse, guarantee, or vouch for the actions, intentions, legitimacy, or identity of any Host or Guest
• Hold, manage, control, or take custody of funds at any stage of the transaction
• Act as a financial institution, money transmitter, or payment processor
• Mediate disputes between Hosts and Guests
• Guarantee the completion of any transaction
• Verify that events are real or that funds will be used as described

2.2 User Interactions

Users interact with each other at their own discretion and assume all risks associated with:

• The accuracy and truthfulness of event information
• The legitimacy of events and users
• The use and management of contributed funds
• Disputes arising from contributions or events
• Any offline interactions resulting from use of the Service

2.3 User Due Diligence

We encourage users to:

• Only contribute to events hosted by people they know and trust
• Verify the legitimacy of events before contributing
• Report suspicious activity to support@pocketwellapp.com
• Exercise caution when sharing personal information

3. No Financial Guarantees or Representations

3.1 No Guarantees

PocketWell does not guarantee:

• The successful delivery, receipt, or availability of any monetary gift
• That contributions will be used as described by Hosts
• That Hosts will use funds for their stated purpose
• Any outcome, result, or satisfaction resulting from use of the platform
• That any event will occur as described
• That payouts will be completed without delay
• That all technical features will function without interruption

3.2 Voluntary Contributions

All financial contributions made through the Service are:

• Voluntary: Made at the Guest's own discretion
• Non-refundable: Subject to our no-refund policy (see Terms and Conditions)
• At Your Own Risk: We make no representations regarding how they are managed by recipients

3.3 No Investment or Financial Product

The Service does not offer, facilitate, or constitute:

• Investment opportunities
• Financial products or securities
• Lending or borrowing services
• Crowdfunding for business ventures
• Any form of regulated financial activity

4. Third-Party Services and External Links

4.1 Third-Party Service Providers

PocketWell integrates the following third-party services:

Stripe and Stripe Connect (Payment Processing):

• Processes all payments and facilitates payouts to Hosts
• Handles identity verification and KYC requirements
• Operates under its own terms and privacy policies
• Stripe Terms | Stripe Privacy

PostHog (Analytics):

• Provides usage analytics and performance monitoring
• Hosted in United States
• PostHog Privacy

Supabase (Database and Infrastructure):

• Provides cloud database and hosting services
• Supabase Privacy

4.2 No Responsibility for Third Parties

PocketWell is not responsible for:

• The availability, reliability, or uptime of third-party services
• The accuracy, legality, or appropriateness of content from third parties
• The performance, security, or data practices of external providers
• Any losses or damages resulting from third-party service failures or breaches
• Changes to third-party terms, pricing, or functionality

4.3 External Links

The Service may contain links to third-party websites, services, or resources. These links are provided for convenience only. PocketWell:

• Does not endorse or recommend any third-party sites or services
• Is not responsible for the content, accuracy, or practices of linked sites
• Makes no warranties regarding external websites
• Is not liable for any damages resulting from your use of external links

You access third-party websites and services at your own risk.

5. Content Accuracy and Availability

5.1 No Warranty of Accuracy

While we strive to provide accurate and up-to-date information, PocketWell makes no warranties regarding:

• The accuracy, completeness, or reliability of any content on the Service
• The timeliness or currency of information provided
• The suitability of the Service for your specific needs
• The absence of errors, bugs, or technical issues

5.2 User-Generated Content

Event pages, messages, and other user-generated content are created and submitted by users. PocketWell:

• Does not verify, validate, or fact-check user content
• Is not responsible for the accuracy or truthfulness of user submissions
• Does not endorse any views, opinions, or statements expressed by users
• May remove content that violates our Terms and Conditions, but is under no obligation to monitor all content

5.3 Service Availability

We strive to maintain continuous availability, but the Service is provided "as is" and "as available" without guarantees of:

• Uninterrupted access or uptime
• Error-free operation
• Freedom from viruses, malware, or security vulnerabilities
• Compatibility with all devices or browsers
• Data backup or recovery

Planned and unplanned maintenance, outages, or technical issues may occur.

6. Limitation of Liability

6.1 Maximum Extent Permitted by Law

To the fullest extent permitted by applicable law, PocketWell and its owners, operators, officers, directors, employees, agents, affiliates, licensors, and service providers shall not be liable for any:

Direct Damages:

• Loss of funds or monetary contributions
• Loss of data or content
• Loss of access to the Service
• Financial losses of any kind

Indirect, Incidental, or Consequential Damages:

• Loss of profits, revenue, or business opportunities
• Loss of reputation or goodwill
• Emotional distress or psychological harm
• Punitive or exemplary damages

Damages Resulting From:

• Your use or inability to use the Service
• Errors, omissions, or inaccuracies in content or event pages
• Payment processing issues, delays, or failures
• Disputes between Hosts and Guests
• Unauthorized access to your account or data
• Third-party services, actions, or content
• Fraud, scams, or misuse by other users
• Technical failures, bugs, or security breaches
• Service interruptions or downtime
• Changes to or discontinuation of the Service

6.2 Jurisdictional Variations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such cases:

• Our liability will be limited to the maximum extent permitted by applicable law
• The above limitations may not apply to you in full
• You may have additional rights under consumer protection laws

6.3 Liability Cap

In jurisdictions where liability cannot be excluded, PocketWell's total liability for all claims arising from your use of the Service is limited to the lesser of:

1. The total platform fees we received from you in the 12 months prior to the claim, or
2. $100 USD (or equivalent in your local currency)

7. No Warranty

7.1 Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of title or non-infringement
• Warranties of accuracy, reliability, or completeness of content
• Warranties of security or data protection
• Warranties of uninterrupted or error-free operation

7.2 No Guarantee of Results

PocketWell makes no guarantee or warranty regarding:

• The amount of contributions you will receive
• The success of your event
• The participation or attendance of guests
• Your satisfaction with the Service
• Any specific outcomes or results

8. Indemnification

By using the Service, you agree to indemnify, defend, and hold harmless PocketWell, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your use of the Service
• Your violation of these Terms or this Disclaimer
• Your violation of any rights of another person or entity
• Any content you submit or create on the Service
• Disputes with other users
• Your breach of applicable laws or regulations

9. Force Majeure

PocketWell shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

• Acts of God, natural disasters, or severe weather
• War, terrorism, or civil unrest
• Pandemic, epidemic, or public health emergency
• Government actions, regulations, or restrictions
• Failure of third-party services or infrastructure (including Stripe, Supabase, or internet service providers)
• Cyberattacks, hacking, or security breaches by third parties
• Labor disputes or strikes
• Power outages or telecommunications failures

10. Geographic and Jurisdictional Limitations

10.1 Supported Countries Only

The Service is available only to users in our supported countries:

• United States
• Canada
• United Kingdom
• Australia
• New Zealand

Hosts must be located in one of these countries to create events and receive payouts. Guests may contribute from anywhere, but the Service may not be available or legal in all jurisdictions.

10.2 Compliance with Local Laws

You are responsible for ensuring that your use of the Service complies with all applicable laws, regulations, and requirements in your jurisdiction, including:

• Tax reporting and payment obligations
• Anti-money laundering (AML) and counter-terrorism financing (CTF) laws
• Consumer protection regulations
• Data protection and privacy laws
• Gift and charitable giving regulations

10.3 No Representation of Legality

PocketWell makes no representation that the Service is appropriate or legal for use in all jurisdictions. Accessing the Service from territories where it is illegal is prohibited.

11. Changes to This Disclaimer

We may update, modify, or replace this Disclaimer at any time to reflect:

• Changes in our Service or business practices
• New legal or regulatory requirements
• Clarifications or corrections

Notification of Changes: Material changes will be communicated via:

• Email notification to registered users
• Prominent notice on our website
• Updated "Effective Date" at the top of this Disclaimer

Your continued use of the Service after changes are posted constitutes acceptance of the updated Disclaimer.

We encourage you to review this Disclaimer periodically.

12. Severability

If any provision of this Disclaimer is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

13. Entire Agreement

This Disclaimer, together with our Terms and Conditions, Privacy Policy, and Cookie Policy, constitutes the entire agreement between you and PocketWell regarding the subject matter herein.

14. Contact Us

For any questions regarding this Disclaimer, please contact us:

Email: support@pocketwellapp.com
Contact Form: pocketwellapp.com/contact
Website: www.pocketwellapp.com

For specific legal, financial, or tax questions, please consult with a qualified professional in your jurisdiction.

Last Updated: December 28, 2025