Terms of Use for the Niffl app

Last updated: October 2026

1. Who we are and what these terms cover

Niffl is an app by Crewz GmbH, Paul-Ehrlich-Straße 7, 79106 Freiburg im Breisgau, Germany, email info@crewz.io („we“). These terms govern the use of Niffl on iPhone, iPad, Mac and Android. By using Niffl, you agree to them. How we handle your data is described in the privacy policy.

2. What Niffl does

With Niffl, you keep track in groups of who paid for what. Niffl works out who owes whom how much and suggests payments to settle up.

Niffl does not move money. When you tap „Paid“, Niffl only records that a payment was made; you make the transfer yourself. Niffl is not a bank, not a payment service and not tax or legal advice, and Niffl does not convert currencies.

Niffl calculates with the amounts you enter. Cents that cannot be split evenly are assigned to individual people. Check balances and suggestions before you transfer money.

3. No account

You don’t need an account for Niffl, just a name. The app signs your device in without an account and links your groups to this sign-in. On a new device you therefore get a new sign-in: you get back into your groups with their code, which you find in every group via the invite icon at the top right. If your name in a group is still connected to the old device, someone in the group can disconnect it. If you don’t open Niffl for 24 months, we delete your sign-in (see the privacy policy); then too, you get back into your groups with the code.

4. Groups

• Everyone in a group has the same rights. Every person can add, change and delete expenses and payments, add and rename people, disconnect people and change the title, emoji and currency. There is no admin. Every change to an expense appears in its history.
• Anyone with a group’s code or link sees the names in it and can join. Only share it with people who belong in the group.
• A group has at most 50 people.
• If you leave a group, your name and your entries remain for the others. When the last connected person leaves a group, we delete the group after 30 days; until then, joining with the code brings it back.

5. Your content

You are responsible for what you enter in Niffl. Please

• only add the names of people who don’t use Niffl if they agree, or use nicknames,
• don’t enter anything insulting, discriminatory or otherwise unlawful,
• don’t put sensitive information, such as about health, in titles.

So that Niffl works, you allow us to store and process your content and to show it to the people in your groups. This right is non-exclusive, free of charge and limited to operating Niffl, and it ends when the content is deleted.

We don’t look at content on our own initiative. You can report unlawful content to info@crewz.io; this address is also our point of contact under Articles 11 and 12 of the Digital Services Act for authorities and everyone who uses Niffl (in German or English). If we learn of unlawful content, we remove it. If we remove your content or restrict your use, we tell you why.

6. Your right to use Niffl

We grant you the non-exclusive, non-transferable right to use Niffl on devices that you own or are allowed to use, within the rules of your store. You may not

• disrupt, overload or automatically query Niffl or our servers, for example to try out group codes,
• circumvent protective measures or open groups without an invitation,
• modify, resell or reverse engineer the app, unless the law expressly allows it.

7. Free and Niffl Pro

Niffl is free with one group. With Niffl Pro you can have as many groups as you like. If you are in several groups without Pro, the first one stays open and the others are locked until you have Pro; their data is kept.

Niffl Pro comes in two plans:

• Yearly: a subscription through the App Store or Google Play. Its term, renewal and cancellation follow the terms of the store you subscribe through; the store shows you the price and term before you buy. Under the App Store’s rules, the subscription renews automatically unless you cancel it at least 24 hours before it ends. You cancel in the subscription settings of your Apple Account or on Google Play; Pro stays active until the end of the paid period.
• One-time: a single purchase, no subscription. Pro then applies at no further cost for as long as we operate Niffl (section 9).

You see the price in the app and in the store before you buy, including VAT. You buy and pay through the App Store or Google Play; their terms apply to payment, billing, term, renewal, cancellation and refunds. If the subscription price changes, the store informs you in advance according to its rules. Pro is tied to your Apple or Google account, not to your sign-in in Niffl: on a new device you get it back with „Restore purchases“.

8. Withdrawal, refunds and defects

If you use Niffl as a consumer in the EU, you have a statutory right of withdrawal when you buy Niffl Pro. Because you buy through the App Store or Google Play, you exercise it there, under the terms of Apple or Google; refunds also go through them. Your statutory rights in case of defects in Niffl remain unaffected.

9. Updates, changes and availability

• We provide updates that keep Niffl working and secure. We can block older versions if they are no longer secure or compatible with our servers; the app then asks you to update.
• We may change Niffl if there is a valid reason, such as new operating systems, security, legal requirements or new features, and it costs you nothing extra. If a change affects your use of Niffl Pro more than insignificantly, we tell you clearly beforehand, and you can end the Pro contract free of charge within 30 days (Section 327r of the German Civil Code, BGB).
• We keep Niffl available as well as we can, but cannot promise constant availability, for example during maintenance or disruptions at our service providers. What you enter offline, Niffl syncs as soon as you are back online.
• If we discontinue Niffl, we will tell you in the app at least three months in advance and stop selling Niffl Pro from then on. Niffl keeps running at least until every subscription year paid up to that announcement has ended. Cancel your subscription in the store then, so it doesn’t renew again.

10. Liability

• We are liable without limitation for intent and gross negligence, for injury to life, body or health, under the German Product Liability Act and where we have given a guarantee.
• For slight negligence, we are only liable if we breach an essential obligation, meaning an obligation whose fulfilment makes the use of Niffl possible in the first place and on which you may rely. In that case we are only liable for the damage that is typical and foreseeable for contracts like this one.
• The people in a group are themselves responsible for the accuracy of their entries and for payments between them.

11. Suspension

If you seriously or repeatedly violate these terms or applicable law, we can remove content, lock groups or block your access to Niffl. In doing so, we take your interests into account, warn you beforehand where possible and reasonable, and tell you the reasons.

12. Ending your use

You can stop using Niffl and delete the app at any time. How to have your data deleted is described in the privacy policy. This does not end a Niffl Pro subscription; cancel it in your store. We can terminate the contract without notice for good cause, for example for serious violations under section 11. If we discontinue Niffl altogether, section 9 applies.

13. Changes to these terms

If laws, case law or Niffl itself change, we can adapt these terms. We will tell you in good time in the app. Changes that don’t put you at a disadvantage apply from that notice; all others only once you agree to them.

14. Additional terms for Apple devices

If you download Niffl from the App Store, the following also applies:

1. These terms are between you and us, not between you and Apple. We alone, not Apple, are responsible for Niffl and its content.
2. You may use Niffl on Apple devices that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions. Other accounts in your Family Sharing group may use Niffl too.
3. Apple has no obligation to provide any maintenance or support for Niffl.
4. If Niffl fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for Niffl, if you paid one. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to Niffl. Your claims against us remain unaffected.
5. We, not Apple, are responsible for addressing any claims by you or third parties relating to Niffl, including product liability claims, claims that Niffl fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection, privacy or similar legislation.
6. If a third party claims that Niffl infringes their intellectual property rights, we, not Apple, are responsible for the investigation, defence, settlement and discharge of that claim.
7. You confirm that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a „terrorist supporting“ country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
8. Questions, complaints and claims about Niffl go to us (section 1).
9. When using Niffl, you comply with applicable third-party terms, such as those of your mobile contract.
10. Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, may enforce them against you.

15. Dispute resolution

We are neither willing nor obliged to take part in dispute resolution proceedings before a consumer arbitration board. If you have a problem, just write to us directly at info@crewz.io.

16. Applicable law and place of jurisdiction

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you use Niffl as a consumer, you keep the protection of the mandatory provisions of the country in which you live. If you are a merchant, a legal entity under public law or a special fund under public law, the place of jurisdiction is Freiburg im Breisgau.

17. Final provisions

If any provision of these terms is invalid, the remaining provisions remain valid.