1. Using splitt.

These terms govern your use of the splitt. website, iOS app, Android app, and related services (“splitt.” or the “service”). splitt. is developed, managed, and operated by Anuz Subedi, an individual developer based in Ontario, Canada. These terms are between you and Anuz Subedi (“we,” “us,” or “our”). By creating an account or using the service, you agree to these terms. If you do not agree, do not use the service. Questions can be sent to splitt-support@quivren.com.

You must be at least 13 and meet any higher minimum age required where you live. If you have not reached the age of legal majority, you must have permission from a parent or legal guardian who agrees to these terms. You must have authority to agree to these terms and use the service lawfully.

2. An expense ledger, not a payment service

splitt. helps you record expenses, allocate costs, organize friends and groups, discuss shared spending, and record settlements. splitt. does not hold, send, receive, or safeguard money on your behalf. Marking an expense as settled or recording a payment changes the ledger; it does not move funds, verify that a payment happened, or release a legal obligation.

Balances depend on the records people enter. Review participants, amounts, currencies, and allocations before relying on them. Different currencies remain distinct unless a feature explicitly says otherwise; a currency preference is not a foreign-exchange service. splitt. does not provide financial, tax, legal, accounting, debt-collection, or credit advice.

You and the other people involved are responsible for agreeing on expenses, resolving disagreements, and making payments outside splitt. We can help investigate technical issues, but do not adjudicate debts or guarantee that anyone will repay you.

3. Your account

Provide accurate account information and use a username and profile that do not impersonate someone else. Keep your sign-in method and devices secure. Do not share access or use another person’s account without authorization. Contact support promptly if you suspect unauthorized access.

You are responsible for your use of the service and activity you authorize. Your sign-in provider may have separate terms. You must maintain access to your sign-in method; we cannot guarantee recovery when you lose access to it.

4. Shared records and your content

You retain your rights in the content you submit. You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, and display that content to operate, maintain, secure, and support the service. This includes making shared records available to relevant participants and preserving shared history as described in the Privacy Policy. We do not claim ownership of your expense records.

Only submit information you have the right to share. Do not include unnecessary sensitive information about yourself or anyone else. Depending on their permissions, other participants may view, comment on, or change shared records. You are responsible for checking changes that affect you and keeping any separate records you need.

5. Acceptable use

• Do not use splitt. for fraud, unlawful activity, harassment, threats, impersonation, or infringement of others’ privacy or intellectual-property rights.
• Do not create deliberately false or abusive expense records, spam invitations or comments, or use notifications to harass people.
• Do not access accounts or data without permission, bypass access controls, interfere with the service, distribute malicious code, or extract personal information at scale.
• Do not overload the service or exploit defects. Report suspected security issues privately to splitt-support@quivren.com without accessing or disclosing other users’ data.

We may investigate reports and remove content or restrict access when reasonably necessary to address misuse, security risks, or legal obligations. Contact support to report abuse or question an enforcement decision.

6. Privacy and notifications

Our Privacy Policy explains how we handle information, including service providers, shared records, retention, and your choices. It is a privacy notice, not a request for blanket consent to every kind of processing.

Push notifications are optional and depend on device permissions, your preferences, network conditions, and third-party delivery services. They may be delayed or fail to arrive. Review activity in splitt. rather than relying on notifications as a complete or time-critical record.

7. Availability, changes, and third parties

We aim to provide a useful, reliable service, but access may be interrupted by maintenance, defects, network issues, or events outside our control. Features may differ by platform or change over time. Keep your app and device software up to date, and retain copies of records important to you.

We may modify or discontinue features, providing reasonable notice of material adverse changes when practical and as required by law. If we introduce paid features, applicable pricing and payment terms will be disclosed before you agree to pay. These terms do not authorize an undisclosed charge.

Third-party websites, sign-in services, app stores, and operating systems have their own terms and privacy practices. We are responsible for splitt.; we do not control those third-party services.

8. App license and ownership

Subject to these terms, we give you a limited, personal, non-exclusive, non-transferable right to use splitt. for its intended purpose. The software, branding, and design of splitt. remain owned by us or our licensors. Open-source components remain subject to their applicable licenses. Nothing here restricts rights that applicable law or an open-source license gives you.

If you download splitt. from Apple’s App Store or Google Play, the relevant store terms also apply. Apple’s standard end-user license agreement applies to the iOS app to the extent applicable. These service terms supplement, and do not replace, any mandatory app-store terms.

9. Closing or suspending an account

You may stop using splitt. at any time. To close your account, use Settings → Account → Delete account, or contact splitt-support@quivren.com if you cannot access it. Uninstalling the app does not close your account.

Deletion removes access and initiates private-account cleanup. Shared expenses, settlements, comments, historical records, and your former display name with a deleted-account label may remain to preserve other participants’ records. Deleting an account does not erase a debt, reverse a payment, or resolve a dispute. See the Privacy Policy for details.

We may suspend or terminate access for a material breach, security risk, unlawful use, or when required by law. Where appropriate and feasible, we will explain the reason and give an opportunity to address it. Contact support if you believe a restriction was imposed in error.

10. Warranties and responsibility

To the extent permitted by law, the service is provided “as is” and “as available,” without implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not promise uninterrupted or error-free service, that every user-entered record is accurate, or that a shared balance is legally enforceable.

To the extent permitted by law, we are not responsible for indirect or consequential losses, lost profits, lost opportunities, or disputes and unpaid amounts between users. Our total liability arising from the service is limited to the greater of US$100 or the amount you paid us for the service in the 12 months before the event giving rise to the claim.

These limits do not exclude or restrict liability for fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded or limited. Your mandatory consumer rights and remedies remain in effect.

11. Questions, disputes, and updates

Please contact splitt-support@quivren.com with a description of a concern so we can try to resolve it. This does not prevent you from using a court, regulator, or any remedy available under applicable law, and these terms do not impose mandatory arbitration or a class-action waiver.

We may update these terms, showing the current revision date on this page. We will provide notice of material changes as required by law and obtain renewed agreement where required. Changes will not retroactively remove rights relating to an existing dispute. If you do not accept updated terms, stop using the service and contact us about account closure.

If a provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law. A failure to enforce a provision does not waive the right to enforce it later.