Splitin Terms of Service

1. Eligibility

Splitin is not intended for children under 13.

If you are under 18, or under the age of legal majority where you live, you may use Splitin only with the permission of a parent or legal guardian.

You must be legally permitted to use Splitin under the laws that apply to you. You may not use Splitin if we have previously suspended or terminated your access for a serious or repeated breach of these Terms, unless we expressly allow you to return.

2. Accounts and Guest access

Splitin currently supports eligible Google-authenticated accounts and Guest access on supported platforms.

You are responsible for:

• providing information that is not deliberately false or misleading;
• keeping your device and sign-in method secure;
• activity performed through your account or Guest session; and
• telling us promptly if you believe someone has accessed your account without permission.

You do not have to use your legal name, but you must not impersonate another person or choose a name intended to mislead, harass or deceive others.

Guest access

Guest access may create an anonymous account with our cloud-service providers. Depending on how you use Splitin, some Guest information may remain on your device and some information may be stored or synchronised through Splitin’s cloud services.

A Guest session may become unrecoverable if the device, application data or authentication session is lost. We cannot guarantee that an unavailable Guest session can be restored.

Where available, a Guest may link a supported sign-in provider and retain the same Splitin identity. Linking may not be possible where the selected sign-in identity is already connected to another Splitin account.

3. Groups and group permissions

Splitin allows users to create shared groups and add other people to them.

A group may include:

• account holders;
• Guest users;
• named people who have not yet connected a Splitin account; and
• people who join or claim an existing group-member identity through an invitation.

You must only claim an existing group-member identity when it genuinely represents you. Claiming an identity may connect you to that member’s previous expenses, assignments, balances and other group history.

Roles

Groups may have creators, organisers and regular members.

Depending on their role and the permissions configured for the group, users may be able to:

• create or edit expenses;
• record payments;
• edit group or member information;
• create or share invitations;
• remove members;
• change permissions; or
• delete the group and its records.

The group creator may have rights that cannot be transferred or removed through ordinary group controls.

You are responsible for choosing people you trust and reviewing the permissions applied to your groups.

Splitin is not responsible for resolving personal disputes between group members about:

• who should be included in a group;
• whether an expense is valid;
• who consumed an item;
• whether a payment occurred;
• who owes whom; or
• whether a creator or organiser used their permissions fairly.

We may provide technical assistance, but we do not act as an arbitrator between group members.

4. Invitations and access links

Splitin may provide permanent invitations, temporary invitations, short codes, QR codes, member-claim links and other access links.

Invitation links and codes should be treated as shareable access credentials. Anyone who receives one may be able to open the associated join flow until the invitation expires, is revoked or is replaced.

You are responsible for:

• sharing invitations only with intended recipients;
• checking that you are joining the correct group;
• revoking or replacing an invitation if it has been shared unintentionally; and
• ensuring that a private member-claim link is sent to the correct person.

We do not guarantee that an invitation will remain available indefinitely.

5. Expenses and financial records

Splitin allows users to create simple and itemised expenses, assign payers and participants, divide items, apply custom splits, attach receipts, record payments and calculate group balances.

Splitin is a record-keeping and calculation service only.

Splitin does not:

• operate a bank account or wallet;
• collect or store payment-card details for settling group debts;
• initiate bank transfers;
• hold money on behalf of users;
• verify that goods or services were purchased;
• verify that one person paid another;
• enforce a debt; or
• provide debt-collection services.

A “payment”, “settlement”, “mark as paid” or similar record in Splitin is a statement entered by a user. It is not bank confirmation, a receipt for transferred funds or independent proof that payment occurred.

Users must verify financial records directly with the relevant group members.

Changes to shared records

Creating, editing, deleting or restoring expenses and payments may change every member’s calculated balance.

You must take reasonable care when changing a shared record, particularly where other members may rely on it.

Group members with appropriate permission may be able to modify information entered by another person. Splitin may retain activity information or historical context so that important changes remain understandable.

6. Calculations, rounding and balances

Splitin calculates balances from the expenses, splits, payments, assignments, currencies and exchange rates stored in a group.

Although Splitin is designed to perform these calculations consistently, you remain responsible for checking the result before relying on it.

Depending on the currency and split:

• amounts may be rounded to the currency’s supported precision;
• indivisible remainder units may be assigned to particular members;
• historical records may use older calculation rules for compatibility; and
• editing one record may affect several displayed balances.

A balance or suggested settlement is informational. It is not a legal determination that a debt exists or that a particular amount is legally recoverable.

Splitin does not provide financial, accounting, tax or legal advice.

7. Currencies and exchange rates

When an expense and group use different currencies, Splitin may obtain a current or historical reference rate from a third-party provider.

Reference rates may be:

• delayed;
• unavailable;
• revised;
• based on a different market or time from the rate actually received by a user; or
• inappropriate for a specific bank, card or cash exchange.

Users may be able to manually change an exchange rate. A manual rate affects the resulting Splitin balance but does not change the rate applied by any bank, card issuer or other payment provider.

You must review the rate and converted amount before saving or relying on a multi-currency expense.

8. Receipt scanning and automated extraction

Splitin may offer receipt scanning or other automated extraction features marked as Beta, preview or experimental.

These features may use third-party document-scanning, optical-character-recognition or artificial-intelligence providers described in the Privacy Policy.

Automated extraction may incorrectly identify or infer:

• the merchant;
• the transaction date;
• the currency;
• item names;
• quantities;
• individual prices;
• subtotal, tax, tip, service charge or discounts;
• the receipt total; or
• whether text represents a purchased item.

An imported receipt result is a draft. It does not become a final expense until a user reviews and confirms it.

You must check all imported values against the original receipt. Do not rely on automated output without review.

Receipt scanning may be:

• unavailable to some users;
• limited by account eligibility or usage quotas;
• temporarily disabled;
• rejected because of image quality or format; or
• withdrawn or changed while the feature remains in Beta.

Do not upload unnecessary sensitive information, payment-card details, identity documents, medical information or content that you are not authorised to process.

9. Locations and external maps

Splitin may allow you to enter a place name or provide a supported map link.

Splitin does not need to read your current device location for this feature. However, a map link may contain or resolve to a precise location.

Typed place names are not verified. When opened, an external maps provider may search for what it considers the best match, which may not be the intended place.

Opening a location may transfer information to a third-party maps application or website. That provider’s own terms and privacy practices apply.

10. Notifications

Where supported, Splitin may send notifications about group activity.

Notifications may display information such as a group name, expense name or member name on your device, depending on your notification and lock-screen settings.

Delivery is not guaranteed. Notifications may be delayed, duplicated or not delivered because of device settings, connectivity or third-party notification services.

You remain responsible for checking Splitin directly where timely information matters.

11. Your Content

“Your Content” means information you submit, create, upload or share through Splitin, including:

• names and profile information;
• group names and member details;
• group photos and avatars;
• expenses, items, splits and payments;
• notes and references;
• receipts;
• location information;
• invitations; and
• other information you choose to provide.

You keep ownership of Your Content.

You give us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, resize, process, display, transmit and back up Your Content only as reasonably necessary to:

• operate Splitin;
• provide features you request;
• make shared records available to authorised group members;
• protect and secure the service;
• provide technical support; and
• comply with legal obligations.

This licence allows us to use service providers acting on our behalf for those purposes.

The licence normally ends when the relevant content is deleted from Splitin. It may continue for:

• temporary technical backups;
• records we are legally required to retain; and
• shared group history that remains necessary to preserve other members’ expenses, payments, balances or activity context.

We do not acquire ownership of Your Content.

Your responsibilities

You confirm that:

• you have the right to submit Your Content;
• its use through Splitin will not unlawfully infringe another person’s rights;
• you will not upload content obtained unlawfully;
• you will not deliberately expose another person’s sensitive information without a valid reason; and
• you will not use Splitin to publish or distribute unlawful content.

Information added to a group may be visible to its relevant members. Do not add information you are not comfortable sharing with those people.

12. Sharing and exported copies

Splitin may let you share:

• invitations;
• QR codes;
• expense links;
• expense summaries;
• generated images;
• text;
• location links; or
• other content through your device or browser.

Once content leaves Splitin through a share sheet, clipboard, downloaded image, email, messaging service, maps service or another external application, the recipient and external provider control their own copies.

Deleting the original from Splitin does not delete copies already shared or saved elsewhere.

You are responsible for checking the recipients and content before sharing.

13. Acceptable use

You must not use Splitin to:

• break the law or encourage unlawful activity;
• commit fraud or deliberately create false financial records;
• harass, threaten, abuse or impersonate another person;
• infringe intellectual-property, privacy or other legal rights;
• upload malicious code, harmful files or crafted content intended to attack the service;
• gain or attempt to gain unauthorised access to an account, group, system or data;
• bypass permissions, usage limits, quotas or security controls;
• test Splitin’s security without written permission;
• scrape, probe or automate access in a way that disrupts or places unreasonable load on the service;
• spam people with invitations or unwanted messages;
• reverse engineer Splitin except where applicable law expressly permits it;
• interfere with another person’s use of Splitin; or
• use Splitin to store or distribute content that is unlawful or seriously harmful.

You must not knowingly submit false information to claim another person’s group identity or gain access to their financial history.

To report suspected misuse or a security problem, contact support@splitinapp.com.

14. Intellectual property

Splitin, including its software, interface, visual design, branding, logos, documentation and original content, is owned by us or our licensors and is protected by applicable intellectual-property laws.

Subject to these Terms, we give you a limited, personal, non-exclusive, non-transferable and revocable right to use Splitin for its intended purpose.

This permission does not allow you to:

• copy or sell Splitin;
• create a competing service using protected Splitin materials;
• remove copyright or ownership notices;
• use Splitin branding in a way that suggests endorsement; or
• commercially exploit the service without written permission.

Third-party software components may be governed by their own licences.

15. Third-party services

Splitin relies on third-party services for functions such as:

• authentication;
• cloud hosting and storage;
• notifications;
• receipt scanning and OCR;
• exchange rates;
• map links;
• website hosting; and
• operating-system sharing.

These services may be unavailable or changed independently of Splitin. Their own terms and privacy policies may apply when you interact with them.

We are not responsible for a third-party service to the extent that a problem is outside our reasonable control. This does not affect any responsibility we have under applicable law for how we select or use service providers on our behalf.

16. Privacy

Our Privacy Policy explains how we collect, use, share, retain and delete personal information.

The Privacy Policy is available at:

"https://splitinapp.com/privacy/"

By using Splitin, you acknowledge that you have had an opportunity to read the Privacy Policy. The Privacy Policy is a notice about data processing and is not intended to remove any rights you have under data-protection law.

17. Availability, internet access and backups

Splitin depends on internet connectivity and third-party infrastructure for many features.

We will provide Splitin with reasonable care and skill, but we do not guarantee that it will always be:

• available;
• uninterrupted;
• error-free;
• compatible with every device;
• fully accessible offline; or
• free from temporary data-synchronisation problems.

We may perform maintenance, correct defects or temporarily restrict features for security, legal or operational reasons.

You should keep independent copies of receipts and other information that would be important to recover. Splitin should not be treated as the only permanent copy of important financial evidence.

18. Changes to features and usage limits

We may add, change or remove features as Splitin develops.

This may include changing:

• supported platforms;
• eligibility requirements;
• account or group limits;
• receipt-scanning allowances;
• Beta features;
• third-party integrations; or
• free and paid functionality.

Where a change materially reduces an established service, we will try to give reasonable notice where practical.

Beta, experimental and preview features may change or be withdrawn without notice. They may be less reliable than generally available features.

19. Fees and future paid features

Splitin does not transfer money between group members.

If we introduce paid Splitin features, subscriptions or purchases in the future:

• the price and important conditions will be shown before purchase;
• you will not be charged merely because these Terms change;
• additional purchase or store terms may apply; and
• mandatory cancellation, refund and consumer rights will remain unaffected.

20. Suspending or ending access

You may stop using Splitin at any time.

You may delete an eligible account using the controls provided in Splitin or by following the account-deletion process at:

"https://splitinapp.com/delete-account/"

We may restrict, suspend or terminate access where reasonably necessary because:

• you seriously or repeatedly breach these Terms;
• your activity creates a security or integrity risk;
• you attempt to access data or systems without permission;
• we are required to do so by law or a competent authority;
• your use harms other users or the service; or
• continued access would expose us or others to legal liability.

Where reasonable, we will explain the reason and allow an opportunity to correct the problem. We may act immediately where there is an urgent security, safety, fraud or legal risk.

A group creator or organiser removing you from a group is an action taken under that group’s permissions. It is not necessarily a suspension of your Splitin account by us.

21. Account deletion and retained group history

Deleting your account removes your Splitin account, profile and personal account data as described in the Privacy Policy.

Some shared group information may remain where reasonably necessary so that other members’ records continue to make sense. This may include:

• a displayed member name;
• expenses involving that member;
• item assignments;
• recorded payments;
• balance history; and
• surrounding activity context.

A retained group identity is disconnected from the deleted account and may be prevented from being claimed again.

Deleting Splitin does not delete an account held with Google or another third-party provider.

Deleting or clearing an unavailable local Guest marker is not necessarily the same as successfully deleting the associated anonymous cloud account. Use Splitin’s account-deletion process or contact support where account deletion is required.

22. Service disclaimers

Splitin is designed to make shared-expense record-keeping easier. It is not a substitute for checking original receipts, bank records, exchange statements or agreements between group members.

We do not guarantee that:

• user-entered information is true;
• an expense was incurred;
• an item assignment is correct;
• a recorded payment occurred;
• an automated receipt result is accurate;
• an exchange rate matches the rate available to a particular user; or
• a displayed balance represents a legally enforceable debt.

You are responsible for reviewing information before acting on it.

Nothing in these Terms affects any statutory guarantee, right or remedy that cannot lawfully be excluded.

23. Our liability

Nothing in these Terms excludes or limits liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation;
• breach of rights that cannot legally be excluded; or
• any other liability that applicable law does not allow us to exclude.

If we fail to comply with these Terms, we are responsible for loss or damage that is a foreseeable result of that failure or our failure to use reasonable care and skill.

We are not responsible for loss that was not reasonably foreseeable when you agreed to these Terms.

Subject to applicable law, we are not responsible for loss caused primarily by:

• incorrect or misleading information entered by a user;
• a dispute or agreement between group members;
• someone using group permissions available to them;
• a user sharing an invitation, link or exported copy with the wrong person;
• the loss of a Guest device or authentication session;
• failure to review an automated receipt result or exchange rate;
• an external service, device or network outside our reasonable control; or
• your failure to take reasonable steps to protect your account or keep an independent copy of important records,

except to the extent that the loss was also caused by our breach of these Terms or failure to use reasonable care and skill.

Splitin is intended primarily for personal and household use. If you use it for business or commercial purposes, we are not liable for loss of profit, revenue, business opportunity, anticipated savings or business interruption, to the extent permitted by law.

24. Changes to these Terms

We may update these Terms to reflect:

• changes to Splitin;
• changes to law or regulation;
• security requirements;
• changes to third-party services; or
• clearer explanations of existing provisions.

The current version and effective date will be made available through Splitin or the Splitin website.

For a material change, we will provide reasonable notice through the application, website, email or another appropriate method where practical.

Changes will not apply retrospectively unless required by law.

If you do not agree to updated Terms, you should stop using Splitin and may delete your account before the updated Terms take effect. Continuing to use Splitin after the effective date means you accept the updated Terms, where permitted by law.

25. Governing law and disputes

These Terms are governed by the laws of England and Wales.

If you are a consumer, you continue to benefit from any mandatory protections provided by the law of the country where you live.

We encourage you to contact us first so we can try to resolve a concern informally.

If you live in England or Wales, legal proceedings may be brought in the courts of England and Wales.

If you live in Scotland, Northern Ireland or another country, you may bring proceedings in the courts available to you under applicable consumer law. We may also bring proceedings in those courts where permitted.

26. General terms

If a court finds part of these Terms unlawful or unenforceable, the remaining provisions will continue to apply.

If we delay enforcing a provision, that does not mean we permanently waive the right to enforce it.

You may not transfer your rights or obligations under these Terms to another person without our written permission. We may transfer our rights and obligations as part of a reorganisation, sale or transfer of Splitin, provided this does not reduce your mandatory rights.

These Terms are between you and us. No other person has a right to enforce them, except where applicable law provides otherwise.

We may provide translated versions of these Terms. Unless local law requires otherwise, the English version will be used to resolve an inconsistency between translations.

27. Contact

Liborio Labs

Email: support@splitinapp.com

Please include enough information for us to understand your request, but do not email passwords, authentication codes, full payment-card details or unnecessary sensitive information.