Please read these terms carefully before using SmartSplitter.
By downloading, installing, or using SmartSplitter (the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms apply to all users of the Service, including visitors, registered users, and premium subscribers.
These Terms incorporate by reference our Privacy Policy. By accepting these Terms, you also acknowledge our Privacy Policy.
SmartSplitter is an expense-splitting and financial tracking application that allows users to track shared expenses, split bills, and manage group finances. The Service is available as a mobile application (iOS and Android), and some features may also be available through a browser-based experience.
Important: SmartSplitter does not process payments. It facilitates coordination between users for payment through third-party services (such as Venmo, PayPal, CashApp, Zelle, and bank transfers). SmartSplitter is not a bank, payment processor, money transmitter, or financial institution.
You must be at least 13 years of age to use the Service. By using the Service, you represent and warrant that you meet this requirement. If you are between 13 and 18 years of age, you represent that you have obtained parental or guardian consent to use the Service.
By using the Service, you represent that you are not barred from receiving services under applicable law and that you will comply with all applicable laws in connection with your use of the Service.
To use the Service, you must create an account. You agree to:
We reserve the right to terminate accounts that provide false information or violate these Terms.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
Free tier: SmartSplitter offers a free tier with basic features at no cost.
Premium subscriptions: We offer paid Premium and Premium Plus subscription tiers that unlock additional features. Subscriptions are billed on a monthly or annual basis as selected at purchase.
Billing: Subscriptions are processed through Apple App Store (iOS) or Google Play Store (Android). Payment is charged to your App Store or Google Play account at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period.
Free trials: If a free trial is offered, it will be clearly communicated. If you do not cancel before the trial ends, you will be charged the applicable subscription price.
Cancellations and refunds: You may cancel your subscription at any time through your App Store or Google Play account settings. Cancellation takes effect at the end of the current billing period — you will retain access to premium features until then. Refunds are subject to Apple App Store or Google Play Store refund policies. SmartSplitter does not process refunds directly.
Price changes: We reserve the right to change subscription prices with at least 30 days' advance notice. Continued use after a price change constitutes acceptance of the new price.
The Service allows you to enter and store content such as expense descriptions, group names, notes, and receipt images ("User Content"). You retain ownership of your User Content. By using the Service, you grant SmartSplitter a limited, non-exclusive, worldwide, royalty-free license to store, process, and display your User Content solely to provide and improve the Service.
You are solely responsible for your User Content and represent that it: (a) does not violate any third-party rights, including intellectual property or privacy rights; (b) does not violate any applicable laws or regulations; and (c) is accurate to the best of your knowledge. We reserve the right to remove User Content that violates these Terms.
SmartSplitter integrates with the following third-party services. Your use of these services is subject to their respective terms and privacy policies, which we strongly encourage you to review:
We are not responsible for the practices, content, availability, or terms of any third-party service. Integration with a third-party service does not constitute endorsement of that service.
SmartSplitter optionally integrates with Plaid Technologies, Inc. ("Plaid") to allow you to connect bank accounts for balance visibility and transaction data. This section governs your use of this feature.
By connecting a bank account through SmartSplitter, you agree to Plaid's Terms of Use and End User Privacy Policy. You should review Plaid's terms before connecting any financial account.
How Plaid Link works: When you connect a bank account, you will complete Plaid's authentication flow ("Plaid Link"). Your financial institution credentials are entered directly into Plaid's secure, encrypted interface. SmartSplitter never receives, transmits, or stores your banking credentials (username, password, security questions, or multi-factor codes).
Data SmartSplitter receives: Following your authorization through Plaid Link, SmartSplitter receives limited read-only data including: account balances, masked account identifiers (last 4 digits only), account type and name, institution name, and transaction history as you authorize.
Your rights:
SmartSplitter's liability for banking data: SmartSplitter acts as a conduit for data provided by Plaid and is not responsible for the accuracy, completeness, or timeliness of financial data provided by your financial institution through Plaid. Account balances and transactions shown in the app are for informational purposes only and may not reflect real-time balances. Never rely solely on SmartSplitter for critical financial decisions.
SmartSplitter is not a financial institution and does not provide financial, investment, legal, or tax advice.
The expense calculations, balance summaries, and financial figures displayed in SmartSplitter — including data retrieved via Plaid — are provided for personal expense-tracking convenience only. They do not constitute:
SmartSplitter is not responsible for any financial loss, legal claim, or dispute arising from your use of or reliance on any information provided by the application. Always verify important financial figures independently and consult qualified professionals for financial, legal, or tax matters.
Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy includes important information about how we handle banking data through our Plaid integration. Please review our Privacy Policy carefully.
The Service, including its design, text, graphics, logos, and software, is owned by SmartSplitter and protected by intellectual property laws, including copyright, trademark, and trade secret law. You may not copy, reproduce, distribute, modify, create derivative works from, or sublicense any part of the Service without our express written permission.
SmartSplitter grants you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes in accordance with these Terms. This license does not include any right to resell or make commercial use of the Service.
THE SERVICE 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, NON-INFRINGEMENT, OR ACCURACY.
SmartSplitter does not warrant that: (a) the Service will be uninterrupted, error-free, or completely secure; (b) any defects will be corrected; (c) the Service is free of viruses or other harmful components; (d) the results obtained from using the Service will be accurate or reliable; or (e) financial data retrieved via Plaid will reflect real-time or accurate account balances.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SMARTSPLITTER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS, DATA, OR GOODWILL; FINANCIAL LOSSES ARISING FROM RELIANCE ON EXPENSE CALCULATIONS OR BANKING DATA; DISPUTES BETWEEN USERS REGARDING EXPENSES OR PAYMENTS; OR UNAUTHORIZED ACCESS TO YOUR ACCOUNT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $50, WHICHEVER IS GREATER.
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON LIABILITY FOR CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold harmless SmartSplitter and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; (d) any dispute between you and another user of the Service; or (e) any inaccurate expense data you enter into the Service.
We may suspend or terminate your account at any time for violation of these Terms or for any other reason at our discretion, with or without notice. You may terminate your account at any time from Settings → Account → Delete Account.
Upon termination: (a) your right to use the Service ceases immediately; (b) we will delete your account data as described in our Privacy Policy; (c) all provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability.
These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law principles.
Arbitration: Except for claims for injunctive or equitable relief, any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration will take place on an individual basis; class arbitrations and class actions are not permitted. The arbitration will be conducted remotely or in Delaware.
Small claims: Either party may bring an individual claim in small claims court in lieu of arbitration, if the claim qualifies.
Jury trial waiver: BY AGREEING TO THESE TERMS, YOU WAIVE YOUR RIGHT TO A JURY TRIAL FOR ANY DISPUTE ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE.
We reserve the right to update these Terms at any time. We will notify you of material changes via email or in-app notification at least 14 days before they take effect. Your continued use of the Service after changes take effect constitutes acceptance of the new Terms. If you do not agree to the updated Terms, you must stop using the Service and may delete your account.
If any provision of these Terms is held to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and SmartSplitter regarding the Service and supersede all prior agreements.
If you have any questions about these Terms, please contact us at:
We aim to respond to all legal inquiries within 5 business days.