Terms of Use
These Terms of Use ("Terms") govern your use of the SplitoMat mobile app and related services ("the Service"). By installing or using SplitoMat, you agree to these Terms. If you do not agree, do not use the Service.
1. The Service
SplitoMat helps you record shared expenses in groups, split them between participants, and settle balances. The Service is provided "as is" and "as available." We may add, modify or remove features at any time.
2. Your account
You need to sign in with Apple or Google to use SplitoMat. You are responsible for keeping access to your sign-in provider account secure. You agree to provide accurate information and to use the Service only for lawful purposes.
You must be at least 13 years old (or the minimum age required in your country) to use SplitoMat.
3. Your content
You retain ownership of the content you put into SplitoMat (group names, expense titles, notes, receipt photos, etc.). By using the Service you grant us a non-exclusive, royalty-free license to store, process and display that content only as necessary to run the Service for you and the groups you're in.
You confirm that you have the right to upload any receipt photo or content you add. You must not upload content that is illegal, infringes the rights of others, or contains malware.
4. Acceptable use
You will not:
- Attempt to reverse-engineer, decompile, or break the Service.
- Use the Service to send spam, harass other users, or impersonate someone.
- Scrape or bulk-extract data from the Service.
- Use the Service for any high-stakes or regulated financial accounting (the Service is for informal expense splitting, not bookkeeping or tax compliance).
5. Payments between users
SplitoMat does not process payments. The "Settle Up" feature only records that a payment took place outside the app. We are not responsible for any money that does or does not change hands between users.
If you choose to add a "Get paid back" link (Revolut, PayPal, Wise, etc.) you confirm that the link is correct and that you understand it leaves SplitoMat for the relevant provider.
6. No financial or tax advice
SplitoMat is a utility to help you track who-owes-whom. It is not a substitute for a bookkeeper, accountant or tax adviser. Use the data SplitoMat shows you at your own risk for any financial decision.
7. Termination
You can stop using SplitoMat at any time and delete your account from Settings → Sign Out → Delete Account.
We may suspend or terminate your access if you breach these Terms, in particular if you abuse the Service or use it to harm other users.
8. Disclaimers
The Service is provided "as is" without warranties of any kind, express or implied, including but not limited to fitness for a particular purpose, accuracy of computed balances, or uninterrupted availability.
We make commercially reasonable efforts to keep your data safe, but you acknowledge that no cloud service is 100% reliable. Export your data regularly if it is important to you.
9. Limitation of liability
To the maximum extent permitted by law, SplitoMat and its operators are not liable for any indirect, incidental, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses arising from your use of the Service.
Where liability cannot be excluded, it is limited to the amount you paid us in the 12 months preceding the claim — which, for a free service, is €0.
10. Changes to these Terms
We may revise these Terms over time. When we do, we'll update the "Last updated" date and, for material changes, notify you in the app on next launch.
11. Governing law
These Terms are governed by the laws of Portugal, without regard to its conflict-of-laws rules. Any dispute will be subject to the exclusive jurisdiction of the courts of Lisbon, Portugal, unless mandatory local consumer-protection law gives you another forum.
12. Contact
For questions about these Terms:
- Email: splitomate@gmail.com