Terms of Use

Draft, needs lawyer review before launch. Version 2026-10-30.

These terms apply between you and Neurotech AI Solutions GmbH, Lückstraße 24, 10317 Berlin ("we"), for the Dankeroo app and website.

1. What Dankeroo is

Dankeroo lets people post a real, open bill (for example electricity, rent, phone, vet or school costs) and lets others chip in toward it. The money never goes to the person who posted the bill. Once a bill is fully covered, we pay the full amount directly to the biller's bank account shown on the invoice.

Chip-ins are voluntary gifts. They are not donations to a charity, not loans and usually not tax-deductible. Nobody has a right to receive chip-ins.

2. Who can use Dankeroo

You must be at least 18 and able to enter a contract. One account per person. Keep your sign-in details safe.

3. Posting a bill

• Post only your own bill, or one you are allowed to share, that is real, open and unpaid.
• The invoice details must match the invoice exactly. Roo, our reading assistant, only suggests fields; you are responsible for checking them.
• Every bill is reviewed by a moderator before it goes live. We may reject or remove a bill without giving reasons, especially in case of suspected fraud.
• A live bill stays open for 14 days. Other people see your first name, city, story, the biller and the masked IBAN (last four digits only).
• If the bill is paid by someone else in the meantime, tell us right away so we can close it.

4. Chipping in

• You choose the amount. At checkout you see your chip-in plus Dankeroo Protection & payment costs (10% of the chip-in), which cover payment processing, review and fraud checks. The total is shown before you pay.
• Payments are processed by Stripe. Your chip-in is held until the bill is fully covered.
• Fully covered: we pay the biller directly. Your chip-in can then no longer be refunded.
• Not covered within 14 days: we refund every chip-in in full, including the Protection & payment costs, to the original payment method.
• Bill removed (for example after a report): held chip-ins are refunded in full.
• You can chip in only to real bills. Bills marked Example cannot receive money.

5. Pledges

A pledge is a promise to chip in once the rest of the bill is promised too. When a bill is fully pledged, you get a push and have 48 hours to pay. If someone does not pay in time, the bill stays open for others. How reliably you keep pledges is shown to you on your profile.

6. Example stories

Until the first real bills are verified, the app shows clearly labelled example stories. They are invented, show no real people and cannot be paid. We can switch them off at any time.

7. Community rules

Our community rules are part of these terms. Breaking them can lead to removal of content or the account.

8. Your content

You keep the rights to your stories, photos and videos. You allow us to show them in Dankeroo and in shares you start, for as long as the bill is shown. Do not upload anything you are not allowed to share, and blur other people's data.

9. Liability

We are fully liable for intent and gross negligence and for injury to life, body or health. For slight negligence we are liable only for breaches of essential contractual duties and limited to the typical, foreseeable damage. We do not check whether a person is in need and are not liable for the truth of stories. Liability under the Product Liability Act remains unaffected.

10. Ending the contract and deleting the account

You can delete your account at any time in the app (Me → Delete account). We may end the contract with two weeks' notice, or immediately for good cause such as fraud.

11. Changes to these terms

We will tell you about changes at least 30 days before they take effect. If you do not object, the new terms apply; we will point this out in the notice.

12. Final provisions

German law applies, without prejudice to the mandatory consumer protection laws of your country of residence. The EU online dispute resolution platform is at https://ec.europa.eu/consumers/odr. We are neither obliged nor willing to take part in dispute resolution proceedings before a consumer arbitration board.

Contact: hello@dankeroo.com