Terms of Service (Splittly)

A. Eligibility

You must be at least 13 years old to use the Service.

If you intend the Service to be available to users under 13, you must implement verifiable parental consent and child-specific safeguards. Otherwise, the Service is not directed to children under 13.

B. Account creation and accuracy

To use certain features, you may need to create an account. You agree to:

• provide accurate and complete information,
• keep your account information current,
• maintain the security of your login credentials, and
• notify us promptly of any unauthorized use of your account.

You are responsible for all activity that occurs under your account.

C. Social login

If you sign in with Google Login, you authorize Splittly to access and use information from Google as permitted by you and as described in our Privacy Policy.

3) The Service and Acceptable Use

A. License to use the Service

Subject to these Terms, Splittly grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal, personal or business purposes, as applicable.

B. Prohibited activities

You agree not to, and not to assist others to:

• violate any applicable law or regulation;
• infringe or misappropriate intellectual property or privacy rights;
• access, probe, or test the vulnerability of any system or network without authorization;
• interfere with or disrupt the Service (including by introducing malware, bots, scraping at scale, or denial-of-service attacks);
• reverse engineer, decompile, or attempt to derive source code from the Service (except to the extent such restriction is prohibited by law);
• use the Service to transmit unlawful, harmful, or deceptive content;
• use the Service to process or store highly sensitive data unless explicitly supported by Splittly in writing (e.g., government IDs, health data, or full payment card numbers);
• bypass access controls or attempt to gain unauthorized access to other accounts or systems; or
• use the Service for competitive analysis, benchmarking, or to develop a competing product, except as permitted by law.

We may suspend or terminate your access if we reasonably believe you have violated these Terms.

4) User Content

A. Your content

“User Content” means information and materials you submit to the Service (for example, group names, expense data, notes, attachments, and communications).

You retain ownership of your User Content. However, you grant Splittly a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, and display your User Content only to:

• operate, maintain, and provide the Service,
• improve and develop the Service,
• prevent or address technical or security issues, and
• comply with law and enforce these Terms.

B. Your responsibilities

You represent and warrant that:

• you have all rights necessary to submit and use your User Content with the Service, and
• your User Content and use of the Service do not violate law or third-party rights.

C. Sharing and collaboration

Some features allow you to share information with other users (e.g., groups). You are responsible for the information you share and with whom you share it.

5) Subscriptions, Billing, and Payments

A. Paid plans and recurring billing

Splittly may offer paid plans billed on a recurring basis (e.g., monthly or annually). By starting a subscription, you authorize us (through our Payment Processor) to charge your payment method on a recurring basis until you cancel.

B. Payment processing

Payments are processed by third-party payment processors (“Payment Processors”). Your payment is subject to the Payment Processor’s terms and privacy policy.

Splittly does not store full credit/debit card numbers on our servers.

C. Trials, plan changes, and renewals

If you start a free trial, unless you cancel before the trial ends, your subscription will convert to a paid plan and renew automatically per the plan terms.

If you upgrade or downgrade a plan, charges may be prorated or adjusted depending on the plan rules shown at checkout or in your account settings.

D. Cancellation

You may cancel your subscription at any time through your account settings (or by contacting support). Cancellation stops future renewals. Unless required by law, fees already paid are non-refundable.

E. Taxes

Prices may be exclusive of applicable taxes (VAT, GST, sales tax) unless stated otherwise. You are responsible for taxes associated with your purchase, except where Splittly is required to collect them.

F. Refund policy

Except where required by law or expressly stated in writing by Splittly, all fees are non-refundable.

6) Communications

A. Service communications

We may send you transactional or service-related messages (e.g., account verification, receipts, security alerts, policy updates). You cannot opt out of these messages if they are necessary to provide the Service.

B. Marketing emails

If you opt in, we may send newsletters or marketing emails. You can opt out at any time using the unsubscribe link or by contacting support.

7) Privacy and Tracking

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and share information, including via cookies, analytics, ads, and retargeting.

8) Intellectual Property

A. Splittly’s property

The Service, including its software, design, text, graphics, logos, and other content (excluding User Content), is owned by Splittly or its licensors and is protected by intellectual property laws.

You may not copy, modify, distribute, sell, lease, or create derivative works from the Service except as expressly permitted by these Terms.

B. Feedback

If you provide suggestions or feedback, you grant Splittly the right to use it without restriction or compensation.

9) Third-Party Services and Links

The Service may integrate with or link to third-party services (e.g., Google Login, Payment Processors, analytics/ad platforms). Splittly does not control these third parties and is not responsible for their content, policies, or practices. Your use of third-party services is at your own risk and subject to their terms.

10) Availability, Changes, and Beta Features

We may modify, suspend, or discontinue any part of the Service at any time. We may offer certain features as beta or experimental; these are provided “as is” and may change or be removed without notice.

11) Termination

A. Termination by you

You may stop using the Service at any time. You may request account deletion subject to our Privacy Policy and legal retention requirements.

B. Termination or suspension by Splittly

We may suspend or terminate your access if:

• you violate these Terms,
• your use poses a security risk, could harm Splittly or others, or
• we are required to do so by law.

C. Effect of termination

Upon termination, your right to access the Service ends. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, and dispute terms.

12) Disclaimers

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPLITTLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Splittly does not warrant that the Service will be uninterrupted, error-free, or completely secure.

13) Limitation of Liability

14) Indemnification

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

• your use of the Service,
• your User Content, or
• your violation of these Terms or applicable law.

15) Dispute Resolution and Governing Law

A. Governing law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

B. Venue

Any dispute not subject to arbitration (if applicable) will be brought in the state or federal courts located in San Francisco County, California, and you consent to their jurisdiction.

C. Optional arbitration clause

If you want a stronger liability shield, you can add a binding arbitration clause and class action waiver. If you want, I can insert a standard arbitration section tailored to your exact setup.

16) Changes to These Terms

We may update these Terms from time to time. We will update the “Last Updated” date. If changes are material, we will provide notice as required by law (for example, by posting a notice on the Service or emailing you).

Continued use of the Service after the effective date of updated Terms constitutes acceptance.

17) Contact