Terms of Service

• Account — the personal account you create to access the Service.
• Content — any text, image, voice recording, receipt, expense entry, message, comment or other material you submit, upload or generate through the Service.
• Group — a set of users who share expense records within the Service.
• Payment Provider — a third-party payment service (e.g., UPI networks, Stripe, Razorpay, PayPal, Apple Pay, Google Pay) that processes payments outside of the Service.
• SplitEase Plus — our optional paid subscription plan.

• You must be at least 13 years old (or the minimum age of digital consent in your country if higher, e.g., 16 in some European Economic Area countries).
• If you are a minor under the age of majority in your country, you must have verifiable consent from a parent or legal guardian, who agrees to be bound by these Terms on your behalf.
• You must not be barred from using the Service under the laws of your country or of India, and you must not be on any sanctions list maintained by the United Nations, the European Union, the United Kingdom, the United States (OFAC) or India.

• You are responsible for keeping your login credentials (including any OTP, password or social sign-in) secure and confidential.
• You are responsible for all activity that occurs under your Account, whether or not authorised by you, to the maximum extent permitted by law.
• You must give us accurate and up-to-date information (including a valid mobile number or email address) and update it if it changes.
• You must notify us promptly at hello@splitease.ai if you suspect any unauthorised access, loss or compromise of your Account.
• You may not create an Account using automated means, false identity, another person's information without their permission, or if you have been previously suspended or terminated.
• Only one Account per person, unless we expressly agree otherwise in writing.

• a bank, credit union, deposit-taking institution or e-money issuer;
• a payment system operator, payment service provider, money transmitter, remittance service, or payment aggregator;
• an escrow agent, custodian or trustee for any funds;
• a broker-dealer, investment adviser, or provider of financial, investment, tax, accounting, legal or debt-collection advice;
• an accounting record, book of account, or invoice of legal record for any regulatory or tax purpose;
• a source of truth as to whether money has actually moved between users.

• use the Service in violation of any applicable law, regulation, sanctions programme, or third-party right;
• use the Service to facilitate money laundering, terrorism financing, tax evasion, fraud, unlicensed money transmission, or any other financial crime;
• use the Service for any commercial purpose, including accepting payments from customers, running a payroll, or operating any regulated business, unless we have expressly agreed in writing;
• upload, transmit or share any Content that is illegal, defamatory, obscene, sexually explicit, harassing, hateful, threatening, invasive of privacy, or that infringes any intellectual property right;
• upload the personal data of any other person to the Service without a valid legal basis and, where required, that person's consent;
• send unsolicited communications, spam, chain messages, or bulk marketing content through the Service;
• impersonate any person or misrepresent your affiliation with any person or entity;
• reverse-engineer, decompile, disassemble, translate, or otherwise attempt to derive the source code of any part of the Service, except to the extent this restriction is prohibited by applicable law;
• circumvent, disable or interfere with security-related features of the Service, including rate limits, authentication, or content restrictions;
• use bots, scrapers, crawlers, spiders or any automated means to access, collect or copy data from the Service, other than search-engine crawlers we expressly allow;
• upload or transmit any virus, worm, ransomware, trojan or other malicious code;
• use the Service in a way that could disable, overburden, or impair its operation, or interfere with any other user's use of the Service;
• resell, sublicence, rent, lease, distribute or otherwise commercialise access to the Service; or
• use the Service to train, evaluate or improve any machine-learning, artificial-intelligence or large-language model that competes with SplitEase.

• you own or have obtained all necessary rights, consents and permissions to submit that Content to the Service and to make it available to the other Group members you share it with;
• your Content, and our use of it as described in these Terms and our Privacy Policy, does not and will not infringe any third-party right (including intellectual property, privacy and publicity rights) or violate any law.

10.1 We do not process payments

10.2 "Mark as paid" is a self-attested convenience feature

10.3 No liability for Payment Providers

10.4 Currency and foreign exchange

10.5 Chargebacks, disputes and fraud

11.1 Subscription basics

11.2 Billing, auto-renewal and cancellation

11.3 Refunds and cooling-off

• Apple App Store / Google Play: Refunds are handled by Apple or Google under their own policies. We are not able to process refunds for purchases made through these stores.
• EEA, EU and UK consumers: You have a statutory right to withdraw from a distance contract within 14 days of purchase without giving any reason. If you begin using the paid features within the 14-day period, you expressly agree that the service is supplied immediately and, once fully performed, your right to withdraw is lost to the extent permitted by law. Any refunds due will be processed within 14 days of your valid withdrawal notice, sent to hello@splitease.ai.
• India: Refunds are considered on a case-by-case basis within 7 days of initial purchase or annual renewal.
• Other jurisdictions: Any statutory refund rights that you have under applicable local consumer-protection law are not affected by these Terms.

11.4 Taxes

• we reasonably believe you have violated these Terms or any applicable law;
• your Account has been inactive for an extended period;
• we are required to do so by law, court order or regulatory authority;
• continuing to provide the Service to you would expose us or others to legal, security or reputational risk; or
• we discontinue the Service in your country or generally.

• the Service will meet your requirements, be uninterrupted, timely, secure, error-free or free of harmful components;
• any defects will be corrected;
• any information, calculation, balance, category, currency conversion, tax figure or settlement status shown in the Service is accurate, complete or reliable;
• any Content stored in the Service will not be lost, altered or corrupted; or
• the Service will be available in your country or continue to be available in the future.

19.1 Applicability

19.2 Informal resolution first

19.3 Binding individual arbitration

19.4 Class-action and jury-trial waiver

19.5 Small-claims exception

19.6 Opt-out

19.7 Federal Arbitration Act

20.1 Excluded damages

20.2 Aggregate cap

20.3 Losses we are not responsible for

• any loss arising from a Payment Provider, bank, card network, wallet or telecom carrier;
• any dispute between users of the Service, including whether an expense was legitimate, whether a settlement was actually made, or how a Group has divided costs;
• any tax, penalty, interest, audit or regulatory outcome resulting from your reliance on figures shown in the Service;
• any loss caused by inaccurate, incomplete or fraudulent information entered by you or by another user;
• any loss caused by third-party services, apps, integrations or content;
• any loss caused by an event of force majeure (see Section 24).

20.4 Consumer-protection carve-out

22.1 Users in the United States

22.2 Users in the European Economic Area, the United Kingdom and Switzerland

22.3 Users in India

22.4 Users elsewhere

22.5 Injunctive relief