Terms of Use

We grant you a personal, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, solely for your own non-commercial bill-splitting purposes. All right, title, and interest in the App, including all copyright, trademark, and other intellectual property rights, remain with us or our licensors. You may not copy, modify, reverse-engineer, decompile, sublicense, or create derivative works from the App, except to the extent that applicable law expressly permits despite this restriction.

You must be at least 13 years old (16 in the EEA / UK) to use the App. By using the App you represent that you meet this requirement. The App creates an anonymous account on first launch; you may optionally link Apple Sign-In. You are responsible for activity under your account, for keeping the sign-in device secure, and for revoking devices you no longer use from Settings → Devices.

You agree not to use the App to:

• Violate any law, regulation, or third-party right.
• Send threatening, abusive, or harassing payment requests, live room invitations, or notifications.
• Harvest, scrape, or otherwise extract handle data, friend graphs, or other users' information.
• Probe, attack, or attempt to bypass our authentication, rate limits, or security controls.
• Submit content that infringes copyright or contains material you do not have the right to share.
• Use the App to facilitate fraud, money laundering, sanctions evasion, or any other unlawful financial activity.

We may suspend or terminate access to anyone violating these rules, with or without notice.

Split & Pay is a calculator and coordination tool. It does not move money, hold funds, or act as a money transmitter, payment processor, escrow, or financial institution. When you tap a payment hand-off button (Venmo, Cash App, Zelle, PayPal, Apple Cash, etc.), the App opens that third-party service with a pre-filled amount and recipient handle. The actual transfer happens entirely inside the third-party service and is governed by their terms — not ours. We are not a party to any payment between you and another user, and we are not responsible for failed, reversed, fraudulent, or otherwise disputed transfers. You bear all risk of confirming the recipient, amount, and method.

Receipt scanning uses optical character recognition. The output is a draft you must review before settling. We do not warrant that line items, totals, tax, or tip will be parsed correctly, and you are solely responsible for verifying the bill before splitting and paying. Currency conversion, rounding modes, and tip-on-pre-tax-vs-post-tax behavior are configurable; you are responsible for choosing the settings that match your local convention.

When you host or join a live room, the bill draft, participants, and per-item claims are visible to other participants for the duration of the room. Participants can leave, the host can end the room, and rooms expire automatically after extended inactivity. Do not put information in a live room you would not want every participant to see. We are not responsible for content participants post in a live room or for screenshots taken by participants.

The App integrates with third-party services we do not control, including the Apple App Store, Google Play, RevenueCat, Google Firebase, Google Cloud Vision, Google Places, Venmo, Cash App, Zelle, PayPal, and Apple Cash. Your use of those services is governed by their own terms and privacy policies. We are not responsible for their availability, content, or actions.

Our handling of personal data is described in the Privacy Policy, which is incorporated into these Terms by reference.

The App is provided “as is” and “as available”, without warranties of any kind, whether express, implied, statutory, or otherwise, including the implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that the App will be uninterrupted, error-free, secure, or that defects will be corrected. You use the App at your own risk and are solely responsible for verifying all financial calculations before acting on them.

To the maximum extent permitted by law, in no event will the developer be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenues, data, or goodwill, arising out of or in connection with your use of the App, even if advised of the possibility of such damages.

Our total cumulative liability for any claim relating to the App will not exceed the greater of (a) the amount you paid us in the twelve months preceding the event giving rise to the claim, or (b) US $25.

Some jurisdictions do not allow these limitations; in those jurisdictions our liability is limited to the maximum extent permitted by law.

You agree to indemnify and hold us harmless from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of your use of the App, your violation of these Terms, or your violation of any third-party right.

We may update or discontinue parts of the App at any time. We may also revise these Terms — the revised version becomes effective when posted at this URL with a new “Last updated” date. Material changes are surfaced in-app on your next launch. Continued use after a change means you accept the updated Terms.

You may stop using the App at any time. We may suspend or terminate your access if you violate these Terms or if we are required to do so by law. The clauses that by their nature should survive termination (intellectual property, disclaimers, limitations of liability, indemnity, governing law, dispute resolution) will continue to apply.

These Terms are governed by the laws of the State of Vermont, United States, without regard to its conflict-of-laws principles. The parties submit to the exclusive jurisdiction of the state and federal courts located in Vermont for any dispute not subject to mandatory arbitration or small-claims venue under applicable law. Nothing in this clause overrides mandatory consumer-protection laws of your country of residence.

If you obtained the App from the Apple App Store, you also acknowledge: (i) these Terms are between you and us only, not with Apple, and we — not Apple — are solely responsible for the App and its content; (ii) the license granted is limited to using the App on Apple-branded products that you own or control, as permitted by the Apple Media Services Terms; (iii) Apple has no obligation to provide maintenance or support; (iv) in the event of a failure to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) — to the maximum extent permitted by law, Apple has no other warranty obligation; (v) Apple is not responsible for addressing claims relating to the App, including product-liability, regulatory-compliance, or third-party-rights claims; (vi) in the event of a third-party claim that the App infringes intellectual property rights, Apple is not responsible for investigating, defending, or resolving the claim; (vii) Apple and its subsidiaries are third-party beneficiaries of these Terms and have the right to enforce them against you.

You represent that you are not located in a country subject to a U.S. government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. government list of restricted parties. The App is a “commercial item” as defined at 48 C.F.R. 2.101 and is licensed to U.S. government end users only as a commercial item with only those rights granted to all other end users.

Questions about these Terms: rbtaskiran@gmail.com.