Terms of Service

Acceptance of Terms

By downloading or using Splittsy, you agree to be bound by these Terms of Service. If you do not agree, do not use the app. These terms form a binding agreement between you and Splittsy ("we", "us", or "our").

Description of Service

Splittsy is an expense-tracking and bill-splitting app that helps groups of people record who paid for what and how costs should be divided. Bills, debts, and settlements recorded in Splittsy are informal records intended to help you keep track of shared expenses. They are not legally binding financial instruments or contracts.

Eligibility

You must be at least 13 years old to use Splittsy. By using the app you represent that you meet this requirement. If we learn that a user is under 13, we will delete their account.

Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised use of your account. We are not liable for any loss resulting from unauthorised use of your account.

Informal Records

The debts, expenses, and settlements recorded in Splittsy represent informal information shared among friends, family, or colleagues. They are not legally binding and do not constitute a loan, credit agreement, or any other regulated financial product. Splittsy cannot guarantee the accuracy of information entered by users.

Acceptable Use

You agree to use Splittsy only for its intended purpose and in compliance with all applicable laws. You must not:

• Use the app for fraud, money laundering, or any other illegal activity
• Attempt to gain unauthorised access to other users' accounts or data
• Harass, threaten, or abuse other users
• Upload content that is illegal, obscene, or infringes any third-party rights
• Use automated tools to scrape, crawl, or extract data from the service
• Attempt to reverse-engineer or compromise the security of the service

We reserve the right to investigate suspected violations and to terminate accounts that breach these standards.

User Content

You are solely responsible for the expense descriptions, comments, group names, receipt images, and other content you submit to Splittsy. You represent that you have the right to share this content and that it does not violate any law or third-party rights.

You grant Splittsy a limited licence to store, process, and display your content solely to provide the service to you and your group members. We do not claim ownership of your content.

No Warranty

Splittsy is provided "as is" and "as available" without any warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the maximum extent permitted by applicable law, Splittsy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, profits, or goodwill, arising out of or in connection with your use of Splittsy.

Our total liability to you for any claim arising out of or relating to these Terms or the service shall not exceed the greater of (a) the amount you paid us in the 12 months preceding the claim or (b) €10.

Indemnification

You agree to indemnify, defend, and hold harmless Splittsy and its officers, directors, employees, and agents from any claim, liability, damage, loss, or expense (including reasonable legal fees) arising out of your use of the service, your content, or your breach of these Terms.

Termination

We may suspend or terminate your access to Splittsy at any time, for any reason, including breach of these Terms. You may delete your account at any time from the Profile screen. Provisions that by their nature should survive termination (including limitations of liability and indemnification) will survive.

Changes to These Terms

We may update these Terms of Service from time to time. We will notify you of material changes via the app or by email. Continued use of Splittsy after updated Terms are posted constitutes your acceptance of the changes.

Governing Law

These Terms are governed by and construed in accordance with the laws of the Netherlands. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of the Netherlands.

Contact Us

If you have any questions about these Terms, please contact us at:

Splittsy
legal@splittsy.com