Terms of Service

These terms are an agreement between you and Luminaris Systems LLC (“Hissa”, “we”) for the Hissa app, the group pages opened from invite links, and this website. By using Hissa you agree to them. If you don’t agree, please don’t use Hissa.

The service

Hissa helps groups of people record shared expenses and see who owes what. To use it you need to be at least 13, and old enough where you live to agree to these terms.

Keep your account to yourself, keep your sign-in email secure, and give us accurate information. You’re responsible for what happens under your account.

Features can change, and some may be added or removed. We try to keep Hissa running, and can’t promise it will always be available or free of errors.

Money

Hissa is a record, not a payment service. Hissa never holds, sends or receives money, and isn’t a bank, a money transmitter or a wallet. When you settle up, you pay the other person yourself, in cash or in an app such as Venmo, Cash App, PayPal or Zelle, under that service’s own terms. Those services aren’t part of Hissa, and we aren’t affiliated with or responsible for them.

A balance in Hissa is what your group has recorded. It isn’t a debt we enforce, a guarantee anyone will pay, or financial, tax or legal advice. Marking a payment as made in Hissa doesn’t move money.

AI and detection can be wrong. Hissa’s reading of a sentence, a receipt, a screenshot, an email or a payment alert is a suggestion. Check amounts and splits before you save, and fix anything that’s off. A later alert or receipt for a purchase you’ve already split can update that expense; Hissa tells you, and the group when the split changes. Currency conversions in Hissa are rough estimates, not live rates.

Your content

What you put into Hissa (expenses, notes, comments, receipts, photos) stays yours. You give us permission to store it, process it and show it to the people in your groups, and to anyone with a group’s link, so that Hissa can work. You’re responsible for what you record and for having the right to share it, including other people’s names and contact details.

Please don’t:

• record anything unlawful, harassing or deceptive, or use Hissa to pressure or defraud someone;
• add people who haven’t agreed to be in a group with you, or send invites as spam;
• break into, overload, scrape or reverse engineer Hissa, or get around its limits;
• use Hissa to run a payments, lending or collections business.

A group’s invite link lets anyone who has it see that group and mark payments as made. Share it only with the group.

The Hissa app, its name, its design and its artwork belong to Luminaris Systems LLC. We give you a personal, non-transferable license to use the app for its purpose, on Apple devices you own or control, as the App Store’s Usage Rules allow. If you send us feedback, we can use it freely.

Hissa Plus

Hissa is free for groups, expenses, balances, settling up and reminders. Hissa Plus is an optional subscription that adds AI capture (typed or spoken sentences, receipts and screenshots), payment detection, spending insights, more currencies in a group, and export.

• Price. $29.99 a year or $3.99 a month in the United States. Prices elsewhere, and taxes, are shown in the App Store before you buy.
• Billing. Payment is charged to your Apple Account when you confirm the purchase.
• Renewal. Your subscription renews automatically for the same period, at the price then in effect, unless you cancel at least 24 hours before the current period ends.
• Cancelling. Cancel any time in iPhone Settings → your name → Subscriptions. Plus stays on until the end of the period you’ve paid for. Deleting the app or your Hissa account doesn’t cancel it.
• Refunds. Purchases are handled by Apple, and refunds follow Apple’s policies. Ask at reportaproblem.apple.com.
• Changes. If we change the price, Apple will tell you beforehand and, where required, ask you to agree.

Plus has fair-use limits, such as a daily cap on AI reads (currently 100 a day).

Ending

You can stop using Hissa and delete your account at any time in the app: You → Delete account. What’s deleted, and what stays in groups you shared, is in the Privacy Policy.

We may suspend or close an account that breaks these terms, puts other people or Hissa at risk, or where the law requires it. Where we reasonably can, we’ll tell you first.

Liability

Hissa is provided “as is” and “as available”. To the extent the law allows, we make no warranties, express or implied, including that Hissa’s calculations, AI readings or detected payments will be accurate or complete, or that Hissa will be uninterrupted.

To the extent the law allows, Luminaris Systems LLC isn’t liable for indirect, incidental, special, consequential or punitive damages, for lost money, profits or data, or for disputes between you and other people about who owes what.

The cap. Our total liability for any claim about Hissa is limited to the greater of what you paid us for Hissa Plus in the 12 months before the claim, or US $50.

Some places don’t allow these limits, so some may not apply to you. Nothing in these terms takes away rights you have by law as a consumer.

Disputes and governing law

If something’s wrong, email support@tryhissa.com first; most things can be sorted out that way. These terms are governed by the laws of the State of New Jersey, USA, without regard to conflict-of-law rules, unless the consumer law where you live says otherwise.

Changes to these terms

We may update these terms as Hissa changes. If a change matters, we’ll tell you in the app or by email before it takes effect. If you keep using Hissa after that, you accept the new terms.

The rest

These terms, with the Privacy Policy, are the whole agreement between us about Hissa. If a court finds part of them unenforceable, the rest still applies. If we don’t enforce a term, we haven’t given it up. You can’t transfer these terms to someone else; we can transfer them as part of a merger or sale.

App Store terms

If you got Hissa from Apple’s App Store, these also apply:

• These terms are between you and Luminaris Systems LLC, not Apple. Luminaris Systems LLC, not Apple, is responsible for Hissa and its content.
• Apple has no obligation to provide maintenance or support for Hissa.
• If Hissa fails to meet a warranty that applies, you can notify Apple for a refund of the purchase price, if any. To the extent the law allows, Apple has no other warranty obligation for Hissa.
• Luminaris Systems LLC, not Apple, is responsible for handling claims about Hissa, including product liability claims, claims that Hissa doesn’t meet a legal or regulatory requirement, and consumer protection or privacy claims.
• If someone claims Hissa infringes their intellectual property, Luminaris Systems LLC, not Apple, is responsible for investigating, defending, settling and discharging that claim.
• You confirm that you aren’t in a country under a US Government embargo or designated a “terrorist supporting” country, and that you aren’t on a US Government list of prohibited or restricted parties.
• When you use Hissa you must follow any third-party terms that apply, such as your mobile carrier’s.
• Apple and its subsidiaries are third-party beneficiaries of these terms and can enforce them against you.

Contact

Questions, complaints or claims about Hissa go to:

Luminaris Systems LLC
124 Hague St, Jersey City, NJ 07307
support@tryhissa.com