§ Terms of Service

The rules of the road.

LAST UPDATED · April 17, 2026

These Terms of Service (the “Terms”) govern your use of SplitSmart (the “App”, “we”, or “us”), a free expense-splitting application developed and operated by the SplitSmart team. By creating an account or using the App, you agree to these Terms. If you don’t agree, please don’t use the App.

1. Who can use SplitSmart

You must be at least 13 years old to use SplitSmart. If you’re under the age of majority in your jurisdiction, you need a parent or guardian’s permission. You agree to provide accurate information when you create your account and to keep it up to date.

2. Your account

You’re responsible for keeping your account credentials secure and for any activity that happens under your account. Your @handle is unique to your account — handles that are abandoned or misused may be reclaimed at our discretion.

You can delete your account at any time from Account → Settings → Delete Account. We may suspend or terminate accounts that violate these Terms.

3. What SplitSmart is (and isn’t)

SplitSmart is a tracking tool. It records the expenses you and your friends enter and computes who owes whom. It is not a payment processor, bank, money-transfer service, or financial advisor. We don’t move money between users. When you “settle up” in the App, we only record that a payment happened — you still need to send the actual money through your payment app of choice.

Calculations in the App are provided on a best-effort basis. You are responsible for verifying the amounts before making any real-world payment.

4. Your content

You retain ownership of everything you create in SplitSmart — groups, expenses, notes, receipts. By using the App, you grant us a limited license to host, store, and display that content so we can provide the service to you and to the group members you’ve chosen to share with.

You’re responsible for the content you create. Don’t upload anything that:

• Infringes on anyone’s copyright, trademark, or privacy.
• Is illegal, abusive, harassing, or discriminatory.
• Contains malware or attempts to compromise the App or its users.
• Impersonates another person.

5. Acceptable use

When using SplitSmart, you agree not to:

• Use the App for any commercial purpose without our permission.
• Scrape, reverse-engineer, or attempt to access data that isn’t yours.
• Abuse our infrastructure (automated flooding, denial-of-service, etc.).
• Create fake accounts, spam other users, or send unsolicited friend requests.
• Attempt to bypass security measures or access control.

6. Free service, no warranties

SplitSmart is provided to you free of charge, on an “as-is” and “as-available” basis. We make no warranties, express or implied, about the App — including fitness for a particular purpose, availability, uninterrupted service, or the accuracy of calculations.

We do our best to keep the App running smoothly, but we can’t promise it will always be available, bug-free, or perfectly accurate. We may change, suspend, or discontinue any part of the App at any time.

7. Limitation of liability

To the fullest extent permitted by law, the SplitSmart developers are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or goodwill, arising out of or related to your use of the App — whether based on warranty, contract, tort, or any other legal theory.

Our total liability for any claim arising from your use of SplitSmart will not exceed the amount you paid us to use the App in the past twelve months — which, since the App is free, is zero.

8. Disputes between users

SplitSmart records what you and your friends enter. If you disagree with a friend about an expense or a balance, that’s between the two of you — we don’t mediate, reverse, or arbitrate disputes between users.

9. Third-party services

SplitSmart relies on Clerk, Supabase, and other third-party infrastructure providers (see our Privacy Policy). Your use of those services through SplitSmart is also subject to their terms. We’re not responsible for the actions or outages of third-party services.

10. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced by updating the “Last updated” date and, where appropriate, in-app. Continuing to use the App after changes means you accept the updated Terms.

11. Termination

You can stop using SplitSmart at any time by deleting your account. We can suspend or terminate your access if you violate these Terms, abuse the service, or put other users at risk. Sections of these Terms that by their nature should survive termination (ownership, disclaimers, limitation of liability) will survive.

12. Governing law

These Terms will be governed by the laws of the jurisdiction where the SplitSmart developers reside. If any provision is found unenforceable, the rest of the Terms will remain in effect. We’ll always try to resolve issues informally first — reach out before escalating.

13. Contact

Questions, concerns, or legal notices? Email bernardorubisnes@gmail.com.