Kroo Terms of Use



1. About us

The Kroo App is a mobile application (the App) operated by us, Kroo Ltd (formerly B-Social Limited), a company registered in England and Wales under company number 10359002 with its registered office at Kroo Ltd, Labs House, 15-19 Bloomsbury Way, London, United Kingdom, WC1A 2TH (Kroo, we, us, our).

The App is a free service designed to allow users of the App (user, you, your) to share information concerning financial transactions informally with one of more users through the creation of a group (the Service).

The App is currently in beta-testing, so some features of the App may not work exactly as planned. Please be patient with us and we'll do our best to support you.

2. By using our App you accept these Terms

IMPORTANT NOTICE: These terms and conditions (Terms) and the Privacy and Cookie Policy give you information about the legal terms and conditions on which we provide the App. These Terms and the Privacy and Cookie Policy apply to all uses of the App. By downloading or using the App, you agree that you have read and agree to these Terms and the Privacy and Cookie Policy. These Terms include, in particular, the limitations of liability in section 13.

If you do not agree to these Terms or the Privacy and Cookie Policy, you must not download or use the App, or should stop using the App and delete it from your device.

3. We may make changes to these Terms

We may amend the Terms from time to time to reflect changes in law or best practice, or to deal with additional features which we introduce. Every time you wish to use the App, please check the Terms to ensure you understand the Terms that apply at that time. The most current version of these Terms can be accessed at any time at

Your acceptance of these Terms is given when you continue using the App. If you do not accept any changes to the terms, you are free to terminate these Terms as under section 14 (Termination).

4. We may make changes to, suspend or withdraw the App

From time to time we may automatically update the App and change the Service to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively we may ask you to update the App for these reasons.

If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the App and the Service.

We do not guarantee that our App or the Service will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the App for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

5. We are not responsible for viruses and you must not introduce them

We do not guarantee that the App or its contents will always be free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform in order to access and use the App, and you should use your own virus protection software.

6. Your Account

To use this App, you must register to create an account (Account). You may register directly via the App by completing the fields presented to you when the App first loads on your device. We will create your Account based upon the information that you provide to us. More detail about our collection of your personal information is set out at section 7.

You agree to provide accurate, current and complete information during the registration process and to update such information to keep it accurate, current and complete. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us by email to

7. Personal information and our use of your content

The personal information you submit to Kroo and that Kroo otherwise collects in connection with your use of the App and/or Service is governed by the Privacy and Cookie Policy. To the extent there is an inconsistency between these Terms and the Privacy and Cookie Policy, the terms of the Privacy and Cookie Policy shall prevail.

When we receive information from you or content which is otherwise generated in connection with your use of the App, you grant to us a royalty-free, perpetual, non-exclusive, worldwide, fully and freely transferable and sub-licensable, irrevocable right and licence to use such information and content. On any termination of these Terms, the licence granted pursuant to this section 7 shall continue in perpetuity.

8. Licence

While you comply with these Terms, we grant you a non-exclusive, non-transferable, personal, revocable limited licence to access and/or use the App (but not any related object and source code) for your own personal private use, in each case provided that such use is in accordance with these Terms. You agree not to use the App for anything else.

9. Licence restrictions

You must not:

  • infringe our intellectual property rights or those of any third party in relation to your use of the App or Service, including by the submission of any material (to the extent that such use is not licensed by these terms). Please see section 10 (Intellectual property rights) below for further information;
  • use the App in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms, or act fraudulently or maliciously (e.g., by hacking into or inserting malicious code, viruses or harmful data, into the App or any operating system);
  • transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the App or Service;
  • use the App in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users;
  • collect or harvest any information or data from the App or our systems or attempt to decipher any transmissions to or from the servers running the App or our systems;
  • rent, lease, sub-license, loan, provide, or otherwise make available, the App or the Service in any form, in whole or in part to any person without prior written consent from us;
  • not copy the App or Service, except as part of the normal use of the App or where it is necessary for the purpose of back-up or operational security;
  • not translate, merge, adapt, vary, alter or modify, the whole or any part of the App or Service nor permit the App or the Service or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the App and the Service on devices as permitted in these Terms.

10. Intellectual property rights

All intellectual property rights in the App and the Service throughout the world belong to us (or our licensors) and the rights in the App and the Service are licensed (not sold) to you. You have no intellectual property rights in, or to, the App or the Service other than the right to use them in accordance with these Terms.

As set out in section 9 (Licence restrictions) above, you must not infringe our intellectual property rights or those of any third party in relation to your use of the App or Service, including by the submission of any material (to the extent that such use is not licensed by these terms). You agree to indemnify us for any loss suffered either by us as a result of your non-compliance with this section 10.

11. Do not rely on information on the App and Service

The App allows users who share a group or are friends to post debts and payments as they please. These are calculated into a determination of debts, or relative financial positions with respect to a group’s expenses, by Kroo.

You agree that you understand these debts are not legally binding, and represent informal information sharing. You agree that Kroo cannot guarantee the accuracy of information entered by users. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our App.

Although we make reasonable efforts to update the information provided by the App and the Service, we make no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date.

12. Check that the App and the Service are suitable for you

The App and the Service have not been developed to meet your individual requirements. Please check that the facilities and functions of the App and the Service (as described on the app store site) meet your requirements.

13. Our responsibility for loss or damage suffered by you

We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these Terms or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accepted these Terms, both we and you knew it might happen.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.

We are not liable for business losses. The App is for domestic and private use. If you use the App for any commercial, business or resale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We are also not responsible for failure to meet any of our obligations under the Terms where such failure is due to events beyond our reasonable control.

The use of the App and/or its contents is at your own risk. The contents of the App could include technical inaccuracies or typographical errors.

Nothing in these Terms is intended to affect or limit your rights under the law. For more information about your rights contact your local Citizens Advice Bureau or Trading Standards Bureau.

14. Termination

We can terminate these Terms or stop providing any of the Service at any time and for any reason. We may also change, suspend, terminate or discontinue any aspect of the App or the Service including availability of certain features at any time and for any reason. Where possible, we will endeavour to give you notice before doing so.

You can terminate these Terms insofar as they are applicable to you for any reason by giving us immediate notice. In addition, either party may terminate these terms immediately if the other is breaching any of its responsibilities under these terms (including the Licence restrictions under section 9).

On any termination of these Terms, your right to use the App and the Service will cease and we may terminate your access to and use of the App and Service and invalidate all or any relevant access details.

Termination for whatever reason of these Terms, will not affect: (a) any rights, liabilities or obligations which accrued before such termination; or (b) any of these Terms that are intended to continue to have effect after such termination.

15. General

Kroo makes no claims that the App and/or its contents are appropriate or may be downloaded and/or used outside of the United Kingdom. Access to and use of the App and/or its contents may not be legal by certain persons or in certain countries.

If you access, use and/or download the App and/or its contents from outside the United Kingdom, you do so at your own risk and are responsible for compliance with your local laws.

16. Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims), shall be governed by, and construed in accordance with the law of England and Wales. We and you irrevocably agree that the courts of England and Wales will have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or its subject matter or formation.

17. If a court finds part of this contract illegal, the rest will continue in force

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

18. Even if we delay in enforcing this contract, we can still enforce it later

Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.

19. Third party rights and dealings

A person who is not a party to these Terms will not have any rights to enforce its terms.

We may at any time transfer or deal in any other manner with all or any of our rights or obligations under these Terms but you may not do so without our prior written consent.

20. Entire agreement

Except as expressly provided in a particular notice or disclaimer posted by or on behalf of Kroo on the App, these Terms and our Privacy and Cookie Policy constitute the entire agreement between you and us and supersede and extinguish all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to its subject matter.

You acknowledge that in entering into these Terms, you do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms or in our Privacy and Cookie Policy.

21. Contact Us

To contact us for any reason, including because you have any complaints, please email us at or write to us at Kroo Ltd, Labs House, 15-19 Bloomsbury Way, London, England, WC1A 2TH.