Version 1.0. Effective July 2, 2026.
Please read these Terms carefully. They form a binding agreement between you and SharedAnchor LLC and include, in Section 12, limits on our liability, and, in Section 14, an agreement to resolve most disputes by arbitration (with a 30-day opt-out). By creating an account or using SharedAnchor, you agree to these Terms.
By creating an account or using SharedAnchor, you agree to be bound by these Terms of Service ("Terms"). These Terms are an agreement with SharedAnchor LLC, a Washington limited liability company ("SharedAnchor," "we," "us," or "our"). 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").
SharedAnchor is neutral. SharedAnchor does not verify, referee, arbitrate, adjudicate, or resolve disagreements between co-parents, and does not decide who is right, whether a payment was made, or whether an expense is owed. Every entry is an attestation by the co-parent who made it. When you disagree, SharedAnchor keeps a tamper-evident record of what each of you entered and leaves resolution to you, your agreement, or the court.
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 takes no custody of funds sent between co-parents. The only charge SharedAnchor initiates is your subscription fee, which is processed by Stripe (on the website) or Apple (in the iPhone app) as merchant of record; those companies, not SharedAnchor, are the regulated payment providers for that charge.
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.
SharedAnchor is a record-keeping tool. It is not a law firm, mediator, accountant, or a substitute for an attorney or a court order. Nothing in the Service, in any export or report it produces, in any AI-assistant response, or in these Terms is legal, tax, financial, custody, mediation, or counseling advice, and nothing here creates an attorney-client or other professional relationship. Records you enter reflect what you and your co-parent typed and attested to - a record of what each of you said and when, not a determination that those statements are true. If anything you enter conflicts with your court order, the court order controls.
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 Basic covers one co-parenting pair; one subscription covers both co-parents, and the invited co-parent does not pay separately. The price depends on where you subscribe:
Automatic renewal - please read. Both options renew automatically until you cancel. A website subscription renews and charges $7.00 each month through Stripe; an iPhone subscription renews and charges $8.99 each month through your Apple account under Apple's standard auto-renewable-subscription rules. Your paid subscription begins when you confirm the purchase.
How to cancel - anytime. If you subscribed on the website, cancel in the SharedAnchor web app at Settings, then Subscription (you can also manage billing through the Stripe billing portal linked there). If you subscribed in the iPhone app, cancel through Apple: open Settings, then your name, then Subscriptions on your device, or use the "Manage in the App Store" link inside the app. SharedAnchor cannot cancel or refund an Apple in-app purchase for you, because Apple controls that billing. Cancellation stops future charges and takes effect at the end of your current paid period.
Refunds. Website charges are non-refundable except where required by law and are not prorated. Apple charges are subject to Apple's refund policy; request those through Apple.
Price changes. For the website price, we will email you at least 30 days before a change takes effect. Apple-side price changes follow Apple's notice-and-consent process.
One plan per pair. You cannot be billed on both channels at the same time; if you already have an active subscription through Apple, website checkout is unavailable, and the reverse also applies.
The subscribing co-parent may log the SharedAnchor subscription as a shared expense inside the platform and request reimbursement at the pair's agreed split. Whether the subscription cost is a shared obligation is determined by the parties or their court order, not by SharedAnchor, which does not enforce, collect, or arbitrate reimbursement of subscription costs.
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 keeps the expense, external-payment, and custody records you and your co-parent enter, protected by the tamper-evident chain described above. You can export your records at any time, including a court-export report, and use them yourself - you do not need SharedAnchor's involvement, and your ability to export does not end if your co-parent later closes their account. Whether any record is accepted as evidence, and what weight it is given, is decided by the court under its own rules, not by SharedAnchor; we do not certify admissibility or act as your witness. If we receive a valid subpoena, court order, or other lawful legal demand, we may produce the records it requires. Except where prohibited by law or by the terms of the order, we may make reasonable efforts to notify the affected user before producing their records, so they can object or seek a protective order. Producing records in response to a legal demand is neutral and is not support for either co-parent.
SharedAnchor applies the following structural privacy and security protections to every account:
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 16 (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 7, (c) produce exports and reports you request, and (d) comply with the retention and legal-hold obligations described in Section 7.
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 7 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 greater of (a) the fees you paid to SharedAnchor in the twelve (12) months preceding the event giving rise to the claim or (b) one hundred dollars ($100), even if a remedy fails of its essential purpose.
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.
SharedAnchor is a record-keeping tool, not a crisis, safety, monitoring, or emergency service, and cannot detect, predict, prevent, or respond to any emergency or unsafe situation. If you are in immediate danger, contact your local emergency number.
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.
Please read this Section carefully - it affects how disputes between you and SharedAnchor are resolved. Except for the carve-outs described below, you and SharedAnchor agree to resolve any dispute arising out of or relating to these Terms or the Service through binding individual arbitration, rather than in court. This is a pre-dispute arbitration agreement. Arbitration is more informal than a lawsuit; it uses a neutral arbitrator instead of a judge or jury, allows more limited discovery, and is subject to limited review by courts.
The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will be seated in King County, Washington, though you may choose to participate by telephone or video where the AAA rules allow. The arbitrator will apply the governing law identified below.
Class-action and class-arbitration waiver. You and SharedAnchor agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.
30-day right to opt out. You may opt out of this arbitration agreement by emailing support@sharedanchor.com within 30 days of the date you first accept these Terms, stating your name and that you decline arbitration. If you opt out, neither you nor SharedAnchor is bound by the arbitration and class-waiver provisions of this Section, and disputes proceed in the King County courts identified below. Opting out has no effect on any other part of these Terms.
Carve-outs. Either party may bring an individual claim in a small-claims court that has jurisdiction, instead of arbitration, so long as the matter stays in that court and on an individual basis. Either party may also seek injunctive or other equitable relief in the King County courts identified below to address actual or threatened infringement, misappropriation, or violation of intellectual-property rights or unauthorized access to the Service.
Mass-arbitration batching. If 25 or more claimants bring similar arbitration claims represented by the same or coordinated counsel, the claims will be arbitrated in staged batches under a single filing-fee schedule. The parties and the AAA will group the claims into batches of no more than 50 claimants each, resolve one or more batches, and apply the results to inform resolution or settlement of the remaining batches, in order to keep filing fees and administration proportionate.
Arbitration fees. SharedAnchor will pay the portion of the AAA filing, administration, and arbitrator fees that exceeds the amount you would have paid to file the same claim in the small-claims court for your county of residence. Each party otherwise bears its own attorneys' fees and costs, except where the governing law or the arbitrator's award provides otherwise.
Non-severable class waiver. The class-action and class-arbitration waiver above is a material part of this arbitration agreement. If that waiver is held unenforceable as to a particular claim, then the arbitration agreement is void only as to that claim, and that claim must proceed in the King County courts identified below; the rest of this arbitration agreement remains in force for all other claims.
These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws rules. For any dispute not subject to arbitration, or if the arbitration agreement is found not to apply, you agree that the dispute 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 7. 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 LLC 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 3, Section 7 (data-retention obligations), Section 8, Section 11 (to the extent stated in that Section), Section 12, Section 13, Section 14, this Section 15 (including quiet deactivation and dissolution language), and Section 18.
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 LLC. 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 17 (Contact) and are effective upon SharedAnchor's actual receipt.
Force majeure. SharedAnchor is not liable for any delay or failure to perform caused by conditions beyond its reasonable control, including third-party provider outages, network failures, or acts of God.
Notices to you. We may give you notice by email to your account address or by posting in the Service. Such notice is effective when sent or posted.
Version 1.0. Effective July 2, 2026.