Terms of Service

1. Acceptance of Terms

By accessing or using Splitvers ("Service") — including our website at splitvers.com and our mobile applications — you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.

These Terms constitute a legal agreement between you and Splitvers. You must be at least 13 years old to use the Service. By using the Service, you represent that you meet this age requirement.

2. Description of Service

Splitvers is a free expense-splitting and debt-tracking platform that allows users to:

• Create and manage groups with friends, family, or colleagues.
• Record, split, and track shared expenses.
• Calculate individual balances and settle debts.
• Use features including multi-currency support, receipt scanning, and debt simplification.

Splitvers is provided free of charge. We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with reasonable notice where practicable.

3. Account Registration

• You must provide accurate, current, and complete information when creating an account.
• You are responsible for maintaining the confidentiality of your login credentials.
• You are responsible for all activity that occurs under your account.
• You must notify us immediately of any unauthorized use of your account at support@splitvers.com.
• You may not create an account on behalf of another person without their consent.
• One person may not maintain more than one active account.

4. Acceptable Use

You agree to use Splitvers only for lawful purposes. You may NOT:

• Use the Service to track, record, or facilitate any illegal activity.
• Harass, intimidate, or harm other users.
• Post or transmit content that is defamatory, obscene, fraudulent, or violates any third-party rights.
• Attempt to gain unauthorized access to any part of the Service or other users' accounts.
• Use automated tools, bots, or scrapers to access or collect data from the Service without prior written consent.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Use the Service to send spam or unsolicited communications.
• Impersonate any person or entity.

5. User Content

You retain ownership of any content you submit to Splitvers ("User Content"), including expense descriptions, group names, and uploaded receipts. By submitting User Content, you grant Splitvers a non-exclusive, worldwide, royalty-free license to use, store, and display your content solely for the purpose of operating and improving the Service.

You represent that your User Content does not violate any third-party rights and that you have all necessary permissions to submit it.

6. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand our data practices.

7. Intellectual Property

The Service, including its design, code, logos, trademarks, and content created by Splitvers, is owned by Splitvers and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

"Splitvers" and the Splitvers logo are trademarks of Splitvers. You may not use them without our prior written consent.

8. Third-Party Services

The Service may integrate with third-party services (such as payment processors or cloud providers). Your use of those third-party services is governed by their respective terms and privacy policies. Splitvers is not responsible for the content or practices of third-party services.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Splitvers does not warrant that the Service will be error-free, uninterrupted, or free of viruses or other harmful components. Financial calculations provided by the Service are for informational purposes only and do not constitute financial advice.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPLITVERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

Our total liability to you for any claims arising from these Terms shall not exceed the amount you paid to Splitvers in the 12 months preceding the claim (which may be $0 since the Service is free).

11. Termination

You may delete your account at any time through the account settings page. Upon deletion, your personal data will be removed in accordance with our Privacy Policy.

We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or misuse the Service. We will provide notice unless immediate termination is necessary for legal or security reasons.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or via an in-app notice at least 14 days before they take effect. Your continued use of the Service after the effective date constitutes your acceptance of the updated Terms.

13. Governing Law

These Terms are governed by and construed in accordance with applicable laws. Any disputes arising from these Terms shall be resolved through binding arbitration or in the courts of the jurisdiction where Splitvers is registered, as applicable.

14. Contact

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