Terms & Conditions

Welcome to SplitMates. By accessing or using our application, website, and services (collectively, the "Service"), you agree to be bound by these Terms & Conditions ("Terms"). Please read them carefully.

1. Acceptance of Terms

By creating an account, accessing, or using SplitMates, you confirm that you accept these Terms and agree to comply with them. If you do not agree to these Terms, you must not use our Service.

2. Eligibility

You must be at least 18 years old to use SplitMates. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

3. Account Registration and Security

To use certain features of SplitMates, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activity.

4. Use of the Service

4.1 Permitted Use

SplitMates is designed to help users track, split, and settle shared expenses with friends, roommates, and groups. You may use the Service for lawful purposes only.

4.2 Prohibited Conduct

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws, regulations, or third-party rights
• Attempt to gain unauthorized access to the Service or related systems
• Interfere with or disrupt the Service's functionality
• Use automated systems (bots, scrapers) to access the Service
• Impersonate another person or entity
• Transmit viruses, malware, or other harmful code
• Harass, abuse, or harm other users
• Use the Service to facilitate fraud or money laundering

5. Expense Tracking and Settlements

SplitMates provides tools to track and calculate shared expenses. However:

• We do not process actual financial transactions between users
• Users are responsible for settling debts outside the application
• We are not responsible for disputes arising from expense splits or settlements
• The accuracy of expense calculations depends on the information you provide
• We do not verify the legitimacy of expenses entered by users

6. User Content

6.1 Your Content

You retain ownership of any content you submit to SplitMates, including expense descriptions, notes, and receipts. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, and display your content solely to provide and improve the Service.

6.2 Content Standards

Your content must not:

• Be illegal, fraudulent, or misleading
• Infringe on intellectual property rights
• Contain offensive, discriminatory, or harmful material
• Include private information of others without consent

7. Intellectual Property

All intellectual property rights in the Service, including software, design, logos, trademarks, and content, belong to SplitMates Inc. or our licensors. You may not copy, modify, distribute, or reverse engineer any part of the Service without our written permission.

8. Third-Party Services

SplitMates may integrate with third-party services (such as payment processors, authentication providers, or cloud storage). Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the actions or policies of third-party services.

9. Disclaimers and Limitation of Liability

9.1 Service "As Is"

SplitMates is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9.2 No Financial Advice

We do not provide financial, legal, or tax advice. SplitMates is a tool for tracking expenses only. Consult appropriate professionals for financial guidance.

9.3 Limitation of Liability

To the fullest extent permitted by law, SplitMates Inc., its officers, directors, employees, and affiliates shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Damages arising from disputes between users
• Unauthorized access to or loss of your data
• Service interruptions or errors

In no event shall our total liability exceed the amount you paid us in the twelve months preceding the claim, or $100, whichever is greater.

10. Indemnification

You agree to indemnify and hold harmless SplitMates Inc. and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your content or conduct on the Service

11. Privacy and Data Protection

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

12. Modifications to the Service and Terms

We reserve the right to:

• Modify, suspend, or discontinue the Service at any time
• Update these Terms at our discretion
• Change pricing, features, or functionality

We will notify you of material changes through the Service or via email. Continued use of SplitMates after changes constitutes acceptance of the updated Terms.

13. Termination

You may delete your account at any time through the app settings. We may suspend or terminate your access to the Service at any time, with or without cause or notice, including for violation of these Terms. Upon termination:

• Your right to use the Service immediately ceases
• We may delete your account and data
• You remain liable for any outstanding obligations

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

14.2 Arbitration

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization]. The arbitration shall take place in [Location], and judgment on the award may be entered in any court having jurisdiction.

14.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration.

15. General Provisions

15.1 Entire Agreement

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

15.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign our rights and obligations without restriction.

16. Contact Information

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

SplitMates Inc.
Email: legal@splitmates.app
Address: [Your Business Address]

By using SplitMates, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.