Terms of Service
Please read these terms carefully before using SplitWisely. By accessing or using our services, you agree to be bound by these requirements. We believe in full transparency — no legal jargon without plain-language explanations.
1. Acceptance of Terms
By downloading, installing, or using SplitWisely ("the App" or "the Service"), you confirm that you have read, understood, and agree to be legally bound by these Terms of Service ("Terms") and our Privacy Policy.
If you do not agree with any part of these terms, you must not access or use our services. These terms apply to all visitors, users, and others who access or use the Service.
Plain English: Using SplitWisely means you agree to play fair by these rules. If something changes, we'll let you know.
2. Account Requirements
To use SplitWisely, you must be at least 18 years of age and capable of forming a binding contract. During registration, you agree to provide accurate, current, and complete information.
You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
Age 18+
Must be a legal adult in your jurisdiction
Valid Email
Required for account security & verification
One Account
One primary personal account per individual
3. User Conduct
You agree not to use SplitWisely for any unlawful purpose or in any way that could damage our website, services, or general business. Prohibited behavior includes:
Financial Fraud
Creating fraudulent expenses or misleading debts to manipulate peer balances.
Harassment
Using the Remind or Message features to harass or threaten other users.
System Abuse
Attempting to reverse engineer, scrape, or hack any part of the platform.
Identity Misuse
Impersonating another person or entity within the platform.
4. Fees & Payments
SplitWisely offers both free and premium subscription tiers. Fees for premium services are billed in advance on a monthly or annual basis and are non-refundable unless required by applicable law.
Important Notice
We do not process payments between users directly. Any settlement of debt using third-party integrations (Venmo, PayPal, etc.) is subject to those providers' terms and fees.
Currency conversion rates provided within the app are for informational purposes only and may vary from the actual rates applied by your financial institution.
5. Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of SplitWisely and its licensors. All trademarks, service marks, logos, and trade names displayed on our platform are proprietary to SplitWisely.
Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of SplitWisely. Unauthorized use of our intellectual property may violate copyright, trademark, and other laws.
6. Limitation of Liability
In no event shall SplitWisely, its directors, employees, or partners, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.
This limitation applies regardless of whether such damages result from your access to, use of, or inability to access or use the Service, any conduct or content of any third party using the Service, or unauthorized access, use, or alteration of your transmissions or content.
Plain English: We work hard to keep things running smoothly, but if something goes wrong due to circumstances outside our control, we can't be held responsible for all resulting losses.
7. Termination
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease.
All provisions of the Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
Request account deletion open_in_new8. Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
9. Changes to Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
Questions about these terms?
Our legal team is here to help you understand how SplitWisely works for you and your friends.