Version: V1 (Friends-and-Family Beta). Status: AI-drafted, pending bar-admitted counsel review before public launch.
Friends-and-family beta. This agreement governs limited pre-launch use of SharedAnchor. SharedAnchor will publish a counsel-reviewed Terms of Service before opening signups to the general public.
By creating an account or using SharedAnchor, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the service.
SharedAnchor is available only to individuals who are at least 18 years of age and reside in the United States. By creating an account, you represent and warrant that you meet both requirements.
These Terms govern your use of the SharedAnchor web application at app.sharedanchor.com and the SharedAnchor iOS and Android mobile apps (collectively, the "Service"). The current version of SharedAnchor is a limited pre-launch beta available by invitation. Features, pricing, and terms may change before general availability.
SharedAnchor is a co-parenting financial record-keeping platform. SharedAnchor does not hold, transmit, transfer, escrow, settle, reverse, or take custody of user funds at any time.
SharedAnchor does not move money. SharedAnchor is not a bank, money transmitter, money services business, payment processor for peer payments, escrow agent, debt collector, or payment dispute service. At launch, SharedAnchor does not initiate, route, settle, reverse, or hold funds for payments between co-parents. Money between co-parents moves entirely outside SharedAnchor, through Venmo, cash, check, or any other method the co-parents choose. SharedAnchor only records what users tell it about those external payments.
SharedAnchor does not provide legal, tax, financial, custody, safety, mediation, counseling, or domestic-violence advice. SharedAnchor records and exports may help users organize their information, but the legal and evidentiary weight of those records is determined by applicable law and the rules of any forum in which they are offered, not by SharedAnchor.
Money movement between users occurs entirely outside SharedAnchor, on third-party services that are governed by their own terms. SharedAnchor does not communicate with Venmo or any other payment provider and has no visibility into whether any external payment was completed, reversed, failed, or disputed at the provider.
You must provide an accurate email address and create a password. Google OAuth is also accepted. On iOS, Sign in with Apple is also available when any third-party sign-in option is shown.
You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately at support@sharedanchor.com if you believe your account has been compromised.
You may not create or use more than one account, and you may not transfer your account to another person. You agree to provide and maintain accurate account information. You may not use SharedAnchor to impersonate any person or misrepresent your identity.
SharedAnchor collects only a child's first name and birth year when you add a child to your co-parenting record. SharedAnchor does not collect, process, or store children's personal information beyond these fields.
Every external payment recorded in SharedAnchor moves through a three-state lifecycle:
A Venmo deep-link is a convenience that prefills the third-party Venmo app. Opening the link, the presence of a Venmo handle, or the creation of an external payment record does not prove that any money was sent, received, available, settled, or reversible.
Sender confirmation, receiver confirmation, or both, are user attestations only. SharedAnchor does not independently verify them. No substate, label, or status text, including any label containing the words "verified," "sent," or "received," constitutes platform verification or independent confirmation by SharedAnchor that money was actually sent, received, or settled.
When you use SharedAnchor's "Pay via Venmo" option, SharedAnchor opens the Venmo app or website with a pre-filled recipient handle, amount, and memo. SharedAnchor does not communicate with Venmo, does not know whether you completed the payment, and does not receive any confirmation from Venmo. For your convenience, SharedAnchor may show intermediate informational substates inside the app. These substates are derived from what you and your co-parent report to SharedAnchor; they are not bank- or Venmo-verified, and only the three states above are the official status of any payment record.
You are responsible for verifying every external payment in the underlying service, including recipient identity, amount, fees, reversals, holds, account freezes, duplicate transfers, and any provider dispute or support process. Venmo and other third-party services are governed by their own terms and privacy policies.
SharedAnchor does not investigate, reverse, refund, or recover any external payment, and does not provide a chargeback mechanism for external payments. If you have a dispute about a payment made through Venmo or another third-party service, you must contact that service directly.
SharedAnchor is offered as the Basic plan at $7 per month per co-parenting pair. A single subscription covers both co-parents in a pair; the invited co-parent does not purchase a separate subscription. Subscriptions are sold and managed exclusively through the SharedAnchor web app. SharedAnchor does not sell subscriptions through the Apple App Store or Google Play, and the iOS and Android apps do not offer in-app purchases.
The co-parent who creates the account and sends the invitation, the subscribing co-parent, is the subscriber on record and is solely responsible for paying the subscription fee. SharedAnchor will charge the subscribing co-parent's payment method on file each month through our payment processor, Stripe, Inc. Stripe stores all payment card information; SharedAnchor does not receive or store card numbers.
The subscribing co-parent may choose to log the SharedAnchor subscription charge as a shared expense inside the platform and request reimbursement from their co-parent at the pair's agreed split. Whether the subscription cost is in fact a shared obligation between the co-parents is determined by the parties or by their court order, not by SharedAnchor. SharedAnchor does not enforce, collect, or arbitrate reimbursement of subscription costs.
If a subscription payment fails, the subscriber will retain access during a grace period while Stripe retries the charge. If payment remains unresolved at the end of the grace period, account access for paid features may be suspended until the subscription is brought current. Cancellations may be made at any time through the Stripe Customer Portal linked from the web subscription settings page; SharedAnchor does not prorate refunds for mid-period cancellations.
Billing is processed by Stripe under Stripe's own terms. The subscribing co-parent is responsible for any allocation or reimbursement arrangement with their co-parent; SharedAnchor plays no role in that arrangement.
SharedAnchor may introduce additional paid features in the future. Any new fees or plans will be disclosed before they take effect and will require your acceptance before any new charge is applied.
SharedAnchor's financial and custody records, including expenses, external payment records, custody schedules, day overrides, and related events, are stored as append-only records. SharedAnchor does not update or delete these records once created. Corrections and amendments are recorded as new entries that reference and supersede earlier entries; the original entry remains in the ledger.
Each legal-fact record carries a SHA-256 hash of the prior record in its table, forming a continuous hash chain. A daily Merkle root is computed at 00:05 UTC and recorded to provide a tamper-evident snapshot of the ledger at that point in time. SharedAnchor makes no representation that this structure makes records "court-admissible"; admissibility is determined by the rules of evidence applicable in your jurisdiction.
You may export your records at any time through the SharedAnchor web app. Export is available in standard formats to the extent supported by the platform at the time of your request.
You may request access to the personal data SharedAnchor holds about you and may request correction of inaccurate account-level data (such as your email address). Corrections to financial or legal-fact records are made by appending compensating entries, not by modifying existing records.
You may request deletion of your account and associated personal data by contacting us at privacy@sharedanchor.com. SharedAnchor will honor deletion requests subject to the following carve-out: records subject to legal retention obligations (including potential litigation hold, court-ordered preservation, or applicable financial-records retention rules) may be retained, in a form stripped of direct identifiers to the extent feasible, for up to six years following the date the record was created. Retained records preserve the integrity of the hash chain.
SharedAnchor does not sell your personal information.
SharedAnchor applies the following structural privacy and safety protections to every account, regardless of whether you have enabled additional safety settings:
SharedAnchor offers certain privacy and safety features (described in Section 7) as structural defaults. These features are defaults, not guarantees. No software tool can guarantee safety in every situation.
SharedAnchor cannot detect, predict, prevent, or respond to abuse. SharedAnchor is not a domestic-violence service provider, crisis hotline, safety planner, or emergency responder. SharedAnchor does not monitor user communications or intervene in co-parent interactions.
SharedAnchor does not provide legal, custody, safety, mediation, counseling, or domestic-violence advice. Nothing in the platform or in these Terms constitutes such advice or creates a professional relationship of any kind.
If you are in immediate danger, call 911.
The National Domestic Violence Hotline is available 24/7 at 1-800-799-7233 (TTY: 1-800-787-3224) and online chat at thehotline.org. SharedAnchor is not affiliated with the National Domestic Violence Hotline.
SharedAnchor uses the following third-party service providers to operate the Service. Each subprocessor handles data under its own terms and privacy policy.
Active at launch:
Deferred, not active at launch:
SharedAnchor will update this list when subprocessors are added or removed. Material changes will be communicated in accordance with Section 15 (Changes to These Terms).
You retain ownership of your records. Expense entries, external payment records, custody schedules, receipts, notes, and other content you submit to the Service ("Your Content") remain your data. SharedAnchor does not claim ownership of Your Content.
You grant SharedAnchor a non-exclusive, worldwide, royalty-free license to host, store, copy, transmit, display, process, and otherwise use Your Content as necessary to (a) provide and improve the Service to you and your co-parent, (b) generate the append-only ledger, hash chain, and Merkle root described in Section 6, (c) produce exports and reports you request, and (d) comply with the retention and legal-hold obligations described in Section 6.
SharedAnchor, the SharedAnchor name and logo, and the Service's underlying software, design, and documentation are owned by SharedAnchor and protected by intellectual-property law. These Terms do not grant you any right to use SharedAnchor's marks except as necessary to identify the Service.
The license you grant in this Section survives termination of your account to the extent necessary for SharedAnchor to comply with the retention obligations in Section 6 and to provide your co-parent with continuing access to records they share with you.
The Service is provided "as is" and "as available" without warranty of any kind. To the fullest extent permitted by applicable law, SharedAnchor disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
Nothing in this disclaimer limits any non-waivable consumer rights you may have under applicable state law. Some states do not permit the disclaimer of implied warranties in consumer contracts; in those states, the foregoing disclaimer applies to the fullest extent permitted.
To the fullest extent permitted by applicable law, SharedAnchor's total liability to you for any claim arising out of or relating to these Terms or the Service is limited to the fees you paid to SharedAnchor in the twelve (12) months preceding the event giving rise to the claim.
In no event will SharedAnchor be liable for any indirect, consequential, special, incidental, or punitive damages, or damages for lost profits or lost data, even if advised of the possibility of such damages.
These limitations apply regardless of the theory of liability and regardless of whether SharedAnchor has been advised of the possibility of such damages. Nothing in this limitation of liability limits liability that cannot be excluded or limited under applicable law, including liability for fraud, willful misconduct, or death or personal injury caused by negligence.
You agree to indemnify, defend, and hold harmless SharedAnchor, its officers, directors, employees, and agents from and against any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service in violation of these Terms; (b) content or records you submit to the Service, including external payment records you create or attest to; or (c) your interactions with your co-parent conducted outside or through the Service.
This indemnification does not apply to claims arising from SharedAnchor's own negligence or willful misconduct.
These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in King County, Washington, and you consent to personal jurisdiction in those courts.
Nothing in this Section limits any non-waivable consumer-protection rights you may have under the law of your state of residence. If a court of competent jurisdiction finds that this governing-law or venue clause is unenforceable against you under the consumer-protection laws of your state, that clause will be modified to the minimum extent necessary to make it enforceable, and the remainder of these Terms will continue in full force.
You may close your account at any time by contacting us at support@sharedanchor.com or using the account-deletion option in Settings. Subscription cancellation takes effect at the end of the current billing period. SharedAnchor does not prorate refunds for mid-period cancellation.
SharedAnchor may suspend or terminate your access to the Service at any time for violation of these Terms or for any other reason, with or without notice. If SharedAnchor terminates your access for convenience (not for a Terms violation), SharedAnchor will provide a pro-rata refund of any prepaid subscription fees covering the unused portion of the current billing period.
Account closure ends your access to the Service and to the SharedAnchor-hosted interface for viewing your records. Closure does not erase records that SharedAnchor is legally required to retain under Section 6. SharedAnchor's obligation to retain certain records anonymized for up to six years survives account closure.
Your co-parent's independently held records, including any records they have exported prior to your account closure, are their own and survive your account closure.
Quiet deactivation. Closing your account does not send a separate notification to your co-parent. Your co-parent will see only that your account is no longer reachable.
If SharedAnchor, Inc. dissolves or terminates its services, the dissolution does not extinguish any court-ordered obligations between the users of this platform. Child-support obligations, custody-related financial commitments, and other court-ordered payment arrangements remain in force and are enforceable by the applicable court regardless of SharedAnchor's operational status. Users should retain their own records of transactions and authorizations. Upon notice of dissolution, SharedAnchor will publish a final Merkle-root bulletin of the append-only ledger at a public URL and will provide reasonable advance notice, no less than 90 days where feasible, before data deletion.
The following sections survive termination or expiration of these Terms for any reason: Section 2, Section 6 (data-retention obligations), Section 8, Section 10 (to the extent stated in that Section), Section 11, Section 12, Section 13, this Section 14 (including quiet deactivation and dissolution language), and Section 17.
SharedAnchor may update these Terms from time to time. When we do, we will post the updated Terms at app.sharedanchor.com/terms and update the Effective Date at the top of this document. For material changes, we will provide additional notice by email to your registered address.
Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and close your account before the effective date.
SharedAnchor may introduce additional paid features in the future. Any new fees or plans will be disclosed before they take effect and will require your acceptance before any new charge is applied.
Support, account matters, and legal notices: support@sharedanchor.com
Privacy and data deletion requests: privacy@sharedanchor.com
SharedAnchor, Inc. Mailing address available upon written request to support@sharedanchor.com.
Entire agreement. These Terms, together with any documents they expressly incorporate by reference (including the Privacy Policy), constitute the entire agreement between you and SharedAnchor concerning the Service and supersede any prior or contemporaneous communications, proposals, or marketing materials on the same subject.
Severability. If any provision of these Terms is held to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or, if it cannot be so modified, severed; the remaining provisions will continue in full force.
No waiver. SharedAnchor's failure to enforce any provision of these Terms is not a waiver of its right to enforce that or any other provision later.
Assignment. SharedAnchor may assign these Terms or any of its rights or obligations under them, in whole or in part, in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law. You may not assign or transfer these Terms or any of your rights or obligations under them without SharedAnchor's prior written consent.
Notices. Legal notices to SharedAnchor must be sent to the address listed in Section 16 (Contact) and are effective upon SharedAnchor's actual receipt.
Last updated: April 2026