PACTLY@ vs Sandık

Pactly · Clear accounts keep friendships strong You lent your friend $20 for the movies? Running a family tontine? Splitting rent with your roommates? Pactly turns these awkward money moments into clear, calm agreements. — A pact is sacred. Every cent validated on both sides. — LOANS BETWEEN FRIENDS, IN TOTAL CONFIDENCE • Create a loan in 10 seconds, the other party validates with a tap. • Every repayment requires both parties to approve. • Attach payment proof (photo, transfer screenshot) in a few taps. • Clear deadlines: automatic reminders before due date. TONTINES & ROSCAs • Create a rotating savings group with friends or family. • Track contributions and payouts in real time. • Tontine Mirror AI suggests the best partners based on trust scores. OBJECT LOANS • Lend your book, camera, tools… without ever forgetting. • QR code scanning for instant identification. • Photo of the item before lending + automatic return reminder. SHARED BILLS & EXPENSES • Split rent, groceries, nights out. • Auto-calculates who owes whom. • PDF export of monthly statements (admin-friendly). SECURITY & PRIVACY • Face ID / Touch ID to unlock the app. • Incognito mode hides amounts in public. • End-to-end encrypted conversations. • GDPR-compliant, data stored in Europe. INTERNATIONAL • Available in French, English, Spanish, German, Italian, Portuguese, Dutch, Arabic (RTL), Turkish, Romanian, Polish, and Russian. • Multi-currency (USD, EUR, GBP, CHF…). PACTLY PREMIUM (optional) • Unlimited loans and tontines. • Monthly PDF statement export. • Advanced multi-level reminders. • Unlimited history and statistics. • Extended Trust Score with AI coach. • Priority support. Pricing: • Monthly: $14.99/month • Annual: $129.99/year (save 28%) Secure payment via Apple In-App Purchase. No hidden commitments. Cancel anytime from Settings › Apple ID › Subscriptions. FREE FEATURES • 3 simultaneous active loans free. • Unlimited bilateral validation. • Real-time notifications. • Multi-device sync. — Pactly is designed to preserve your friendships by making accounts transparent and calm. No more arguments, no more failing memory, no more awkward "did you pay me back?" moments. Just a clear pact, validated on both sides. Download Pactly today and rediscover the joy of lending without worry. — Support: support@pactly.app Terms: https://pactly.app/terms Privacy: https://pactly.app/privacy

Sandık brings your cash, foreign currency, gold, crypto, investments, property and debts together in one place, and shows you the single number that matters: your net worth. HIGHLIGHTS • See your net worth in ₺, $, €, £ or grams of gold — and pick which three units appear on your home card • Market tab: today's lira value of the currencies, gold and crypto you follow; add any currency to your watchlist • Record income and expenses, and optionally link each entry to an account so balances update on their own • Account detail: every account shows its own transaction history • Automatic valuation with live rates; the last saved value is used when you are offline, and older data is clearly labelled • Partial debt payments with payment history • Save your personal IBAN details and copy any field with one tap • Face ID / Touch ID and PIN app lock — free for everyone • 12 languages; light and dark themes • PDF and Excel reports with Premium PREMIUM Sandık is free to use with up to 20 assets and 30 transactions. Premium removes those limits and adds PDF/Excel export and automatic on-device backup. Premium is an auto-renewing subscription offered monthly or yearly. Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel it in your device's account settings. LEGAL Privacy Policy: https://www.freeprivacypolicy.com/live/375c760b-1626-47ce-8f90-b9456e5e5a60 Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ YOUR DATA STAYS WITH YOU Your assets, transactions and IBAN entries are stored on your device and are never sent to our servers. Export and backup only happen when you start them yourself. Signing in is optional and is used only to show your name on your profile — you can tap "Continue on this device" and use every feature without an account. WHAT SANDIK IS NOT Sandık is not a bank, payment institution or investment platform. It does not send money, open accounts, execute trades or transfer crypto. Assets and debts are added manually by you. Market prices are daily reference values, not buy/sell rates. Sandık does not provide investment advice; it only helps you organise and review your personal financial records.