Terms & Conditions

§1 Scope

(1) These Terms and Conditions apply to the use of the mobile application tallo (“App”).

The provider of the App is:

Dear Friend Digital GmbH, represented by its managing directors
Dorothea Utzt and Werner Hoier
Emilienstraße 9, 90489 Nuremberg, Germany
Email: support@talloapp.io
Phone: +49 911 148 799 210

Registered with the District Court of Nuremberg under HRB 26228
VAT ID: DE287489752

(hereinafter referred to as “Dear Friend Digital GmbH”).

Dear Friend Digital GmbH is a company registered in Germany.
German law shall apply, even if the App is used outside the European Union.

(2) We reserve the right to amend these Terms and Conditions where required for legal or technical reasons. You will be informed of any material changes in due time.

§2 Nature and Purpose of the App

tallo is a virtual pocket money and savings management app for families.

The App:

does not provide banking or financial services
does not process, store, or transfer real money
does not provide payment accounts or payment instruments

All amounts displayed in the App are purely virtual values and serve solely for organization, overview, and learning purposes within the family.

§3 Registration

(1) Registration is required to use the App. You must be of legal age and have full legal capacity.

Parents or legal guardians:

create and manage the family account
create child profiles on behalf of minor children
are responsible for all content and settings of the child profiles

Children do not enter into a contractual relationship with Dear Friend Digital GmbH.

After entering your details, you will receive a confirmation email with a link to complete registration.
Your email address serves as your username. You are responsible for keeping your password confidential.

(2) You may delete your account at any time within the tallo App.

(3) You are responsible for keeping your personal information up to date.

§4 Purchases via App Stores

You can download the App via the Google Play Store or the Apple App Store.

The App may include optional paid premium features.

All purchases are:

processed exclusively via the Apple App Store or Google Play Store
subject to the respective payment and billing terms of those platforms

Google Play Store:
https://play.google.com/intl/de_de/about/play-terms/index

Apple App Store:
https://www.apple.com/legal/internet-services/itunes/de/terms

The contractual partner for purchasing paid premium features is the respective App Store operator.

Dear Friend Digital GmbH does not process payments itself and can only offer refunds in accordance with the policies of the respective App Store.

§5 Rights of Use

The App “tallo” is protected by copyright.
All rights to the App remain with Dear Friend Digital GmbH.

You are granted a non-exclusive, non-transferable, and non-sublicensable right to use the App on your private devices for private, non-commercial purposes.

This right of use covers the features available under your selected plan (free version or premium).

In particular, you may not:

reproduce, distribute, or make the app publicly available
rent, lend, or sell the App
modify, translate, reverse engineer, or decompile the App
use the App for commercial purposes

unless expressly permitted by law.

Open-source components used in the App are subject to their respective open-source licenses.

§6 User Content

Users may store content such as text or photos (e.g. saving goals or transactions) within the App.

By uploading content, you confirm that:

you hold the necessary rights
you upload content for yourself or, as a legal guardian, for your children
the content does not violate applicable laws and does not contain immoral, racist, pornographic, offensive, or unlawful commercial material

You indemnify Dear Friend Digital GmbH against all claims arising from violations of these obligations.

§7 Grant of Rights by Users

(a) For the purpose of providing the service, you grant us a non-exclusive, transferable, worldwide, royalty-free right to use, reproduce, and process the content you upload.

(b) You may terminate this license by deleting your content or your account. For technical reasons, backup copies may persist temporarily.

§8 Warranty

The statutory warranty rights apply.
For free services, liability is limited to the extent required by law.

§9 Limitation of Liability

(1) We are liable for intent and gross negligence. For simple negligence, we are liable only in the event of a breach of essential contractual obligations (cardinal duties) and only for foreseeable, contract-typical damage. Liability for injury to life, body, or health remains unaffected.

(2) We strive to ensure high availability of the App but do not guarantee uninterrupted use.

(3) Functions, content, or prices of the App may be further developed or adjusted.

(4) We are only liable for data loss if it would not have occurred even with proper data backup.

(5) Users will be informed of material changes where legally required.

§10 Final Provisions

(1) Amendments or additions require text form (e.g. email).

(2) German law applies. Mandatory consumer protection laws of the country of your habitual residence remain unaffected.

(3) If your place of residence is unknown at the time legal action is initiated, or if you reside outside Germany, the place of jurisdiction shall be Nuremberg, Germany.