Terms of Service

These Terms of Service ("Terms") form a legally binding agreement between you ("You", "your", or "user") and Splitly, Inc. ("Splitly", "we", "us", or "our") governing your access to and use of the Splitly website, mobile applications, and related services (collectively, the "Services").

By clicking "I agree", creating an account, or otherwise accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy and Acceptable Use Policy, which are incorporated by reference.

If you are using the Services on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms, in which case "you" will refer to that entity.

The following capitalized terms have the meanings set forth below:

"Account"

The personalized profile created for you when you register for the Services using a verified email address or third-party authentication provider.

"Group"

A shared workspace within the Services in which two or more users record expenses, calculate balances, and coordinate reimbursement.

"Expense"

A financial transaction, including but not limited to a purchase, transfer, recurring bill, or IOU, that a user adds to a Group for the purpose of splitting or tracking it.

"User Content"

Any information, data, text, receipts, images, notes, or other materials that you upload, post, or transmit through the Services.

"Third-Party Services"

Services, applications, websites, or features operated by parties other than Splitly that integrate with or are accessible through the Services.

3.1 Age requirement

You must be at least 18 years of age (or the age of legal majority in your jurisdiction) to create an Account and use the Services. By creating an Account, you represent and warrant that you meet this requirement and have the legal capacity to enter into a binding agreement.

3.2 Account information

You agree to provide accurate, current, and complete information during registration and to keep your Account information updated. You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account.

3.3 One account per user

You may create only one Account per person. Creating multiple Accounts to circumvent limits, restrictions, or bans is prohibited and may result in immediate termination of all associated Accounts.

Splitly is a collaborative expense management application designed to help individuals, friends, families, roommates, and teams organize shared expenses and calculate balances.

The Service may include features such as:

• Creating and managing shared expense groups
• Recording expenses and reimbursements
• Calculating balances between members
• Tracking settlements
• Receipt scanning using OCR technology
• Cloud backup and restore
• Multi-device synchronization
• Financial reports and spending insights
• Premium productivity features

Splitly is an organizational tool only. Splitly does not process payments, hold funds, act as a bank, provide escrow services, or offer financial, accounting, tax, or legal advice. Any exchange of money between users occurs independently of the Service.

You agree that you will not, and will not permit any third party to:

1. Use the Services for any unlawful, fraudulent, or abusive purpose, including money laundering, terrorism financing, or sanctions evasion;
2. Record expenses or request payments that you know to be false, misleading, or unauthorized;
3. Harass, threaten, intimidate, or stalk any other user, including via Group notes, comments, or direct messages;
4. Upload User Content that infringes the intellectual property, privacy, or other rights of any third party;
5. Attempt to gain unauthorized access to any portion of the Services, our systems, or another user's data;
6. Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any Splitly software;
7. Use automated scripts, bots, scrapers, or crawlers to access the Services, except through our publicly documented API subject to a separate agreement;
8. Resell, sublicense, or redistribute access to the Services without our prior written consent;
9. Interfere with or disrupt the integrity of the Services, including by introducing viruses, malware, or excessive load.

Violations of this policy may result in content removal, Account suspension, permanent termination, and where appropriate, referral to law enforcement authorities.

6.1 Ownership

You retain all ownership rights in your User Content. By submitting User Content to the Services, you grant Splitly a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to host, store, use, display, reproduce, modify, adapt, publish, and process your User Content solely for the purpose of operating, developing, and improving the Services.

6.2 Your responsibilities

You represent and warrant that your User Content:

• Does not violate any law, regulation, or third-party right;
• Does not contain sensitive financial data such as full card numbers, bank account credentials, or government identifiers beyond what is necessary for the Service;
• Is accurate and not intended to mislead other users;
• Does not include malicious code or harmful components.

6.3 Removal

We reserve the right, but have no obligation, to review, moderate, or remove User Content that we believe violates these Terms or is otherwise objectionable. We may also remove User Content at the request of verified rights holders.

Splitly may offer Optical Character Recognition (OCR) technology to extract information from receipts and invoices.

OCR is provided for convenience only and may occasionally produce incorrect or incomplete results. Users are responsible for reviewing and correcting extracted merchants, dates, taxes, totals, and other information before saving an expense.

Splitly does not guarantee that receipt recognition will be accurate in every situation.

Splitly may allow users to back up and synchronize their data using supported cloud providers such as Google Drive or Apple iCloud.

Cloud backup may include expenses, groups, settlements, categories, preferences, attachments, and other information associated with your account.

Users remain responsible for maintaining access to their cloud accounts. Splitly cannot guarantee recovery of data if a cloud account becomes inaccessible, suspended, or deleted.

Splitly allows users to create collaborative groups where members can record expenses, view balances, and track reimbursements.

Group owners and administrators may invite or remove members, manage permissions, and modify group information.

Users are responsible for the information they share within groups. Splitly is not responsible for disputes, disagreements, or financial arrangements between members.

Certain features of Splitly may use artificial intelligence (AI) to improve the user experience.

Examples include:

• Expense categorization
• Receipt recognition
• Spending summaries
• Financial insights
• Smart suggestions

AI-generated information is provided for convenience only and may occasionally be inaccurate or incomplete. Users should verify important information before relying on it.

Splitly integrates with third-party services to provide authentication, cloud storage, analytics, crash reporting, and other functionality.

These services may include:

• Firebase Authentication
• Google Sign-In
• Google Drive
• Apple Sign-In
• Apple iCloud
• Firebase Analytics
• Crash Reporting Services

Your use of these third-party services is subject to their own terms and privacy policies.

12.1 Balance tracking only

Unless you explicitly activate and use Splitly Pay, the Services function only as an accounting and tracking tool. Adding an Expense or displaying a balance in a Group does not move, hold, or transfer any funds, and Splitly is not a party to any transaction between users.

12.2 Splitly Pay

When you use Splitly Pay, payment processing is handled by third-party regulated payment processors. By using Splitly Pay, you also agree to the terms of the applicable processor, which may include identity verification, transaction limits, and dispute resolution procedures. Splitly does not custody funds and is not a money transmitter.

12.3 No guarantee of repayment

We provide tools to help you track and request reimbursement, but we cannot guarantee that any user will repay a recorded balance. We are not a lender, debt collector, guarantor, or escrow agent. Any dispute regarding an underlying obligation is strictly between you and the other party.

Some features of Splitly require an active Premium subscription.

Premium features may include:

• Cloud Backup
• Automatic Restore
• Multi-device Synchronization
• OCR Receipt Scanning
• Advanced Statistics and Reports
• Unlimited Attachments
• AI-powered Expense Categorization
• AI Receipt Parsing
• Shared Group Synchronization
• Future Premium Features

Premium subscriptions automatically renew unless canceled through the applicable app store (Google Play or Apple App Store). Pricing, billing, cancellations, and refunds are governed by the policies of the platform through which the subscription was purchased.

14.1 Our rights

The Services, including all software, design, text, graphics, logos, and trademarks, are owned by Splitly or its licensors and are protected by copyright, trademark, and other intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Services except for the limited right to use them in accordance with these Terms.

14.2 Feedback

If you provide feedback, suggestions, or ideas regarding the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate them without any obligation or compensation to you.

14.3 Open source

Certain components of the Services are licensed under open-source licenses, which are included with the software or available upon request. To the extent any open-source license terms conflict with this Section, the open-source terms will govern with respect to those components.

Your privacy is important to us. Our collection, use, and sharing of personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the data practices described in the Privacy Policy.

If you are located in the European Economic Area, the United Kingdom, Switzerland, or another jurisdiction with comprehensive data protection laws, you have specific rights regarding your personal data, including the right to access, correct, export, or delete your data, and to object to or restrict certain processing activities.

To exercise these rights, contact us at privacy@splitly.app. We will respond in accordance with applicable law.

EXCEPT AS REQUIRED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE AND OUR LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, secure, or that any calculation, balance, or settlement suggestion is accurate, complete, or legally enforceable. You use the Services at your own risk and should independently verify any financial information before relying on it.

Any advice or information obtained from the Services or through our support channels is for general informational purposes only and does not constitute legal, tax, accounting, or financial advice.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL SPLITLY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, IN WHICH CASE SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

You agree to indemnify, defend, and hold harmless Splitly and its affiliates, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, settlements, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your User Content or your use of the Services;
• Your violation of these Terms or any applicable law;
• Your infringement of any third-party right, including intellectual property or privacy rights;
• Any dispute between you and another user of the Services.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses. You may not settle any matter without our prior written consent.

19.1 Term

These Terms begin on the date you first use the Services and continue until terminated by you or us as described below.

19.2 Suspension

We may suspend or restrict your access to the Services immediately, without prior notice, if we reasonably believe that you have violated these Terms, pose a risk to the security or integrity of the Services, or are subject to legal obligations requiring such action.

19.3 Termination by you

You may terminate your Account at any time from your Account settings. Upon termination, your User Content will be scheduled for deletion in accordance with our retention policy, though anonymized or aggregated data may be retained.

19.4 Termination by us

We may terminate or discontinue your access to the Services at any time, with or without cause, and with or without notice. Upon termination, all licenses granted to you under these Terms will immediately cease.

19.5 Survival

Sections that by their nature should survive termination — including those covering ownership, disclaimers, limitation of liability, indemnification, and governing law — will remain in effect.

We may revise these Terms from time to time to reflect changes in our Services, legal requirements, or operational practices. When we make material changes, we will provide notice through the Services or by email to the address associated with your Account at least thirty (30) days before the changes take effect.

Your continued use of the Services after the effective date of any revised Terms constitutes your acceptance of the updated agreement. If you do not agree to the revised Terms, you must stop using the Services and terminate your Account before the effective date.

You can review the history of these Terms by visiting our revision archive.

These Terms are governed by the laws applicable in the jurisdiction where Splitly operates, unless mandatory consumer protection laws require otherwise.

22.1 Entire agreement

These Terms, together with any documents expressly incorporated by reference, constitute the entire agreement between you and Splitly relating to the Services and supersede any prior or contemporaneous understandings on that subject.

22.2 Severability

If any provision of these Terms is held by a court or tribunal of competent jurisdiction to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and all other provisions will remain in full force and effect.

22.3 Assignment

You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, or sale of all or substantially all of our assets.

22.4 No waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Splitly.

22.5 Notices

We will provide notices to you via the email address associated with your Account or through in-app messaging. Legal notices to Splitly should be sent to legal@splitly.app or by certified mail to our registered agent.

22.6 Force majeure

We will not be liable for any delay or failure to perform our obligations under these Terms to the extent caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, internet or telecommunications failures, and governmental actions.

Splitly is designed to help users organize and track shared expenses. It is not a bank, payment processor, money transmitter, escrow service, debt collector, accounting service, tax advisor, or legal advisor.

Splitly does not facilitate or guarantee payments between users. Users are solely responsible for settling balances and resolving disputes related to shared expenses.

If you have any questions about these Terms of Service, you may contact us at:

Splitly Support
Email: saiyamans@gmail.com