Terms of Service

Last Updated: 20 January 2026

1. Acceptance of Terms

Welcome to Split ASAP. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Split Asap Labs ("Company," "we," "us," or "our") regarding your use of the Split ASAP mobile application (the "App") and related services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not access or use the Service.

1.1 Eligibility

You must be at least 13 years old (or 16 in the European Union) to use the Service.

• You are at least the minimum age required
• You have the legal capacity to enter into these Terms
• You are not prohibited from using the Service under applicable law

If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

Split ASAP is a mobile application that allows users to:

• Track and split expenses among groups of people
• Calculate fair splits and balances
• Manage group finances
• Record settlements between members
• Share expense information with group members
• Convert currencies for international expense tracking

Important: Split ASAP is NOT:

• A payment processor or money transfer service
• A financial institution or bank
• A financial advisor or planning service
• A credit or lending service

We provide tools to track and calculate expense splits. You are responsible for making actual payments through your preferred method.

3. User Accounts

3.1 Account Creation

To use certain features of the Service, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your account credentials secure and confidential
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

3.2 Account Security

You are solely responsible for:

• Maintaining the confidentiality of your password
• All activities that occur under your account
• Any loss or damage from your failure to protect your account

3.3 Account Termination

You may delete your account at any time through the App settings. We may suspend or terminate your account if:

• You violate these Terms
• We suspect fraudulent or illegal activity
• Required by law
• The Service is discontinued

Upon termination:

• Your access to the Service will cease
• Your data will be deleted per our Privacy Policy
• You remain liable for any obligations incurred before termination

4. Use of the Service

4.1 License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Download and install the App on devices you own or control
• Use the Service for personal, non-commercial purposes

4.2 Restrictions

You agree NOT to:

• Modify or copy the Service or any part thereof
• Reverse engineer or attempt to extract source code
• Create derivative works based on the Service
• Rent, lease, or sell access to the Service
• Remove or alter any proprietary notices or labels
• Use the Service for any illegal or unauthorized purpose
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Use automated tools (bots, scrapers) without permission
• Impersonate any person or entity
• Upload viruses or malicious code

4.3 Acceptable Use

You agree to use the Service in compliance with:

• All applicable laws and regulations
• These Terms and our policies
• Third-party rights (intellectual property, privacy, etc.)
• Community standards and common decency

5. User Content

5.1 Your Content

You retain ownership of all content you create, upload, or share through the Service ("User Content"), including:

• Expense descriptions and amounts
• Group names and settings
• Member information
• Notes and comments

5.2 License to Us

By uploading User Content, you grant us a worldwide, non-exclusive, royalty-free license to:

• Store, process, and transmit your User Content
• Display your User Content to you and your group members
• Create backups and derivative works as necessary to provide the Service
• Improve the Service using anonymized, aggregated data

This license ends when you delete your User Content or account, except for:

• Backups retained for technical purposes (deleted per our data retention policy)
• Content shared with groups (may remain visible to other members in anonymized form)

5.3 Content Responsibility

You are solely responsible for your User Content. You represent and warrant that:

• You own or have rights to all User Content you upload
• Your User Content does not violate any laws or third-party rights
• Your User Content does not contain viruses or malicious code
• Your User Content is accurate (especially financial information)

5.4 Content Moderation

We reserve the right (but have no obligation) to:

• Monitor User Content for violations
• Remove or disable access to violating content
• Terminate accounts that repeatedly violate these Terms

We do not pre-screen User Content and are not responsible for content posted by users.

6. Groups and Shared Data

6.1 Group Functionality

When you join or create a group:

• Your information becomes visible to other group members
• You can view information shared by other members
• You agree to use shared information only for managing group expenses

6.2 Group Member Responsibilities

As a group member, you agree to:

• Respect other members' privacy
• Provide accurate expense information
• Settle your debts as agreed within the group
• Not misuse group information

6.3 Group Disputes

We are not responsible for disputes between group members. This includes:

• Disagreements about expense amounts
• Failure to pay owed amounts
• Conflicts over split calculations
• Any other interpersonal issues

You agree to resolve such disputes directly with other group members. Split ASAP is a tool for tracking; we do not mediate or arbitrate disputes.

6.4 Leaving Groups

You may leave any group at any time. When you leave:

• Your shared expenses may remain visible (in anonymized form)
• You remain responsible for any unpaid balances
• Other members will be notified of your departure

7. Financial Disclaimers

7.1 Not a Financial Service

Split ASAP is NOT:

• A bank, payment processor, or money transfer service
• A financial advisor or investment platform
• A credit provider or lender
• Regulated financial institution

7.2 No Financial Advice

Nothing in the Service constitutes:

• Financial, investment, or tax advice
• Professional recommendations
• Endorsement of any financial decisions
• Guarantee of financial outcomes

Always consult qualified professionals for financial advice.

7.3 Calculation Accuracy

While we strive for accuracy:

• Split calculations are provided "as is"
• Currency conversions use third-party exchange rates
• You are responsible for verifying all amounts
• We are not liable for calculation errors

7.4 Payment Responsibility

You are solely responsible for:

• Making actual payments to settle debts
• Verifying payment amounts
• Choosing payment methods
• Tax reporting and compliance
• Record keeping for your expenses

Split ASAP only tracks and calculates; it does not process payments.

8. Intellectual Property

8.1 Our Ownership

The Service, including all content, features, and functionality, is owned by Split Asap Labs and protected by:

• Copyright laws
• Trademark laws
• Patent laws (if applicable)
• Trade secret laws
• Other intellectual property rights

This includes:

• App design and code
• Graphics, logos, and icons
• Text, images, and multimedia
• Algorithms and calculations
• Look and feel of the Service

8.2 Trademarks

Split ASAP, our logo, and any other product or service names are trademarks of Split Asap Labs. You may not use these marks without our prior written permission.

8.3 Feedback

If you provide feedback, suggestions, or ideas about the Service:

• We may use them without restriction or compensation
• You grant us all rights to use and implement them
• You waive any claims related to our use of your feedback

9. Third-Party Services

9.1 Third-Party Links

The Service may contain links to third-party websites or services. We:

• Do not endorse or control these third parties
• Are not responsible for their content or practices
• Recommend you review their terms and privacy policies

9.2 Third-Party Data

We may use third-party services for:

• Currency exchange rates
• Authentication (Google, Apple)
• Cloud infrastructure (Supabase)

We do not use third-party analytics or crash reporting tools.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

We disclaim all warranties, including:

• Merchantability - Fitness for a particular purpose
• Non-infringement - Not violating third-party rights
• Accuracy - Correctness of information
• Reliability - Continuous, error-free operation
• Security - Freedom from viruses or harmful code

We do not warrant that:

• The Service will meet your requirements
• The Service will be uninterrupted or error-free
• Results obtained will be accurate or reliable
• Defects will be corrected
• The Service is secure or free from vulnerabilities

YOU USE THE SERVICE AT YOUR OWN RISK.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

11.1 No Liability for Damages

We shall not be liable for any:

• Indirect damages (consequential, incidental, special)
• Lost profits or revenue
• Loss of data or information
• Loss of goodwill or reputation
• Business interruption
• Failure to meet payment obligations between users
• Financial losses from split calculations or currency conversions
• Disputes between group members

11.2 Maximum Liability

Our total liability to you for all claims shall not exceed the greater of:

• $100 USD, or
• The amount you paid us in the 12 months before the claim

11.3 Exceptions

Some jurisdictions do not allow limitation of liability for certain damages. In such cases, our liability is limited to the maximum extent permitted by law.

11.4 User Responsibility

You are solely responsible for:

• Accuracy of expense data you enter
• Settling debts with other users
• Tax reporting and compliance
• Backup of your important data
• Security of your account

12. Indemnification

You agree to indemnify, defend, and hold harmless Split Asap Labs, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any law or regulation
• Your violation of third-party rights
• Your User Content
• Your disputes with other users
• Your failure to pay amounts owed to other users

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of India, without regard to conflict of law principles.

13.2 Informal Resolution

Before filing a claim, you agree to:

1. Contact us at support@splitasap.com
2. Describe the issue in detail
3. Allow 30 days for us to resolve it informally

13.3 Courts and Venue

Any disputes not resolved informally will be handled in the courts of Mumbai, India, and you consent to personal jurisdiction in those courts.

13.4 Class Action Waiver

You agree to bring claims only in your individual capacity, not as a class member or representative.

13.5 Time Limit for Claims

You must bring any claim within one (1) year after the cause of action arises, or it is permanently barred.

14. Changes to Terms

14.1 Right to Modify

We may modify these Terms at any time. When we make changes:

• We will update the "Last Updated" date
• We will notify you via email or in-app notification (for material changes)
• Changes become effective 30 days after posting (or immediately for legal reasons)

14.2 Continued Use

Your continued use of the Service after changes constitutes acceptance of the new Terms. If you do not agree:

• Stop using the Service
• Delete your account
• Contact us with questions

14.3 Version Control

The current version is always available at https://splitasap.com/terms.html.

15. Account and Service Termination

15.1 Termination by You

You may terminate your account at any time by:

• Using the "Delete Account" feature in App settings
• Contacting us at support@splitasap.com

Upon termination:

• Access to the Service ceases immediately
• Your data is deleted per our Privacy Policy
• Shared group data may remain (anonymized)

15.2 Termination by Us

We may suspend or terminate your account immediately if:

• You violate these Terms
• We suspect illegal or fraudulent activity
• Required by law or legal process
• We discontinue the Service
• You fail to pay any fees (if applicable)
• Your account is inactive for 2+ years

15.3 Effect of Termination

Upon termination:

• All licenses granted to you end
• Your User Content may be deleted
• You must cease using the Service
• Provisions that should survive (warranties, liability, etc.) remain in effect

15.4 Data Export

Before deleting your account:

• Export your data using the in-app feature
• Save any important information
• We are not responsible for data loss after deletion

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.

16.2 Severability

If any provision of these Terms is found invalid or unenforceable:

• That provision will be limited or eliminated to the minimum extent necessary
• The remaining provisions remain in full force and effect

16.3 No Waiver

Our failure to enforce any provision does not waive our right to enforce it later. Waiver of one breach does not waive any other breach.

16.4 Assignment

You may not assign these Terms without our written consent. We may assign these Terms at any time, including:

• To an affiliate or subsidiary
• In connection with a merger or acquisition
• To a successor in interest

16.5 Force Majeure

We are not liable for delays or failures due to causes beyond our reasonable control, including:

• Natural disasters
• War, terrorism, or civil unrest
• Government actions
• Internet or utility failures
• Strikes or labor disputes
• Pandemics or epidemics

16.6 Export Compliance

You agree to comply with all export laws and regulations. You may not use the Service if:

• You are in a country subject to embargo
• You are on any government restricted party list

16.7 Survival

Provisions that should survive termination include:

• Intellectual property rights
• Disclaimers and limitations of liability
• Indemnification
• Dispute resolution
• General provisions

16.8 Third-Party Beneficiaries

No third party has any rights under these Terms unless explicitly stated.

16.9 Language

These Terms are written in English. Any translations are for convenience only; the English version controls.

17. Privacy

Your privacy is important to us. Please review our Privacy Policy at https://splitasap.com/privacy.html to understand how we collect, use, and protect your information.

By using the Service, you consent to:

• Collection and use of your information as described in the Privacy Policy
• International transfer of your data (if applicable)

18. Children's Use

The Service is not intended for children under 13 (or 16 in the EU). We do not knowingly collect information from children.

If we discover a child has provided information:

• We will delete it promptly
• We will terminate the account
• We will notify the user

If you are a parent and believe your child has used the Service, contact us immediately at support@splitasap.com.

19. Accessibility

We strive to make the Service accessible to all users. If you experience accessibility issues:

• Contact us at support@splitasap.com
• Describe the issue in detail
• We will work to address it reasonably

20. California Users

California residents may contact us at support@splitasap.com. You may also file complaints with the California Department of Consumer Affairs, Consumer Information Division, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or call (916) 445-1254 or (800) 952-5210.

21. European Union Users

EU users have specific rights under GDPR. See our Privacy Policy for:

• Right to access your data
• Right to rectification
• Right to erasure
• Right to restrict processing
• Right to data portability
• Right to object

We process your data based on:

• Contract performance (providing the Service)
• Legitimate interests (improving the Service)
• Your consent (where applicable)
• Legal obligations

22. Specific Features and Limitations

22.1 Currency Conversion

Exchange rates are provided by third parties and:

• May not be real-time
• Are for reference only
• Should be verified before use
• Are not guaranteed accurate

22.2 Expense Calculations

Split calculations are automated but:

• May contain rounding differences
• Should be reviewed before use
• Are your responsibility to verify
• May be affected by user input errors

22.3 Data Sync

We attempt to sync your data across devices, but:

• Sync may fail due to connectivity
• Conflicts may occur with offline edits
• We are not liable for sync issues
• You should backup important data

22.4 Offline Mode

Offline functionality is limited and:

• Some features may not work
• Data syncs when you reconnect
• Conflicts may need manual resolution
• We do not guarantee offline access

23. Updates and Maintenance

23.1 App Updates

We may release updates that:

• Add new features
• Fix bugs
• Improve performance
• Change functionality

You agree to:

• Keep the App updated
• Accept that features may change
• Adapt to new versions

23.2 Maintenance

We may perform maintenance that:

• Temporarily interrupts Service
• Requires scheduled downtime
• Affects functionality

We will try to:

• Minimize disruption
• Provide advance notice (when possible)
• Restore Service promptly

24. Fees and Payments

24.1 Current Pricing

The Service is currently free to use. We reserve the right to:

• Introduce paid features in the future
• Charge subscription fees
• Offer premium tiers

24.2 Future Fees

If we introduce fees:

• We will notify you at least 30 days in advance
• You can cancel before fees take effect
• Fees will be clearly disclosed
• Refund policies will be provided

24.3 Taxes

You are responsible for:

• Any applicable sales tax, VAT, or other taxes
• Reporting income tax (if applicable)
• Compliance with tax laws

25. Beta Features

We may offer beta or experimental features that:

• Are provided "as is" with additional disclaimers
• May not work correctly
• May be discontinued at any time
• Should not be relied upon for critical use

By using beta features, you accept the risks and agree to provide feedback.

26. Contact Information

26.1 Questions and Support

• Email: support@splitasap.com
• Website: https://splitasap.com

26.2 Legal Notices

• Email: support@splitasap.com

26.3 Response Time

• General inquiries: Within 5 business days
• Legal matters: Within 10 business days
• Urgent security issues: Within 24 hours

27. Acknowledgment

By using the Service, you acknowledge that:

• You have read and understood these Terms
• You agree to be bound by these Terms
• You are legally able to enter into this agreement
• You will comply with all applicable laws
• You understand the disclaimers and limitations

If you do not agree with any part of these Terms, you must not use the Service.

Version History

Version 1.0 - 20 January 2026 - Initial Terms of Service

Quick Reference Summary

You CAN:

• Use the app for personal expense tracking
• Create and join groups
• Share expense information with group members
• Export your data
• Delete your account anytime

You CANNOT:

• Use the app for commercial purposes without permission
• Reverse engineer or copy the app
• Violate laws or third-party rights
• Misuse other users' information
• Hold us liable for disputes between users

Important reminders:

• We provide tracking tools, NOT payment processing
• You are responsible for actually settling debts
• Split calculations should be verified
• We are not liable for financial disputes
• Group members can see your shared information

Need help? Contact us at support@splitasap.com.

Document Information

• Document Name: Terms of Service
• Effective Date: 20 January 2026
• Last Updated: 20 January 2026
• Version: 1.0
• Governing Law: India
• Language: English (controlling version)

By continuing to use Split ASAP, you agree to these Terms of Service.

Please keep a copy of these Terms for your records.