Terms and Conditions

1. Introduction

Welcome to SplitOo ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of the SplitOo application, website, and services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

2. Acceptance of Terms

By creating an account, accessing, or using SplitOo, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. You also represent that you:

• Are at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into these Terms
• Will use the Service in compliance with all applicable laws and regulations

3. Description of Service

SplitOo is an AI-powered expense splitting and management platform that allows users to:

• Create and manage expense groups
• Track shared expenses with friends, family, or roommates
• Use AI technology to create structured expenses from natural language input
• Calculate fair splits and track who owes whom
• View expense history and analytics
• Invite members to groups via unique invite codes

4. User Accounts

5. User Responsibilities and Acceptable Use

You agree not to:

• Violate any laws, regulations, or third-party rights
• Use the Service for any fraudulent or illegal purpose
• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Upload or transmit viruses, malware, or any other malicious code
• Harass, abuse, or harm other users or interfere with their use of the Service
• Scrape, spider, or use automated means to access the Service without our permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Use the Service to collect or store personal data about other users without their consent

6. Expense Data and Accuracy

7. Intellectual Property Rights

8. Payment and Fees

9. Third-Party Services and Links

The Service may contain links to third-party websites or services that are not owned or controlled by SplitOo. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that SplitOo shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such third-party content or services.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that the Service will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of any content or data
• Warranties that any errors or defects will be corrected

We do not warrant that the Service will meet your requirements or that any AI-generated content will be accurate or suitable for your purposes.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SPLITOO, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your access to or use of or inability to access or use the Service
• Damages resulting from any conduct or content of any third party on the Service
• Damages resulting from unauthorized access, use, or alteration of your transmissions or content
• Disputes between users regarding expense splits or settlements

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SERVICE IN THE SIX (6) MONTHS PRIOR TO THE CLAIM.

12. Indemnification

You agree to defend, indemnify, and hold harmless SplitOo and its licensors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service, including but not limited to disputes with other users regarding expense data or settlements.

13. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to our collection and use of your information as described in the Privacy Policy.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. 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 revisions become effective, you agree to be bound by the revised Terms.

15. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

16. Governing Law and Dispute Resolution

17. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

18. Waiver

No waiver by SplitOo of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of SplitOo to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other policies or guidelines posted on the Service, constitute the entire agreement between you and SplitOo regarding the Service and supersede all prior agreements and understandings.

20. Contact Information

If you have any questions about these Terms, please contact us: