Terms of Service

Last updated: 8 October 2026 · Version 2026-10-08

These terms are an agreement between you and Splitkia ("we", "us"). Please read them with our Privacy Policy. The app asks you to agree to both before you can use it, and records when you did.

The short version

Splitkia keeps track of shared costs and who owes what. It never holds, sends or receives money.
Balances are a shared record your group keeps together. They are not a legal contract, a loan agreement or financial advice.
Everyone in a group can add, edit and delete that group's expenses and payments. Every change is kept in the group's history.
The app is free. It is provided as is: keep your own records of anything important.
You can download or delete your data at any time.

1. Who can use Splitkia

You must be at least 18 years old and able to enter into a binding agreement where you live. You may not use Splitkia if the law forbids it or if we have previously closed your account for breaking these terms. You use Splitkia for your own personal, non-commercial purposes.

2. Your account

You sign in with a Google account. Keep your phone and Google account secure: anything done through your account is treated as done by you. The name you use should be one your groups will recognise, and it must not impersonate anyone. Tell us straight away at [email protected] if you think someone else is using your account.

3. What Splitkia does, and does not do

It records, it doesn't pay. "Settle up" can open another app (for example PayPal, Monzo or a UPI app) with the amount filled in, or let you mark a cash payment. The payment itself happens entirely in that other service, under its own terms. We are not a bank, payment service or money transmitter, we never see your card or bank details, and we are not responsible for payments made, lost, delayed or disputed in other services.
Balances are informal. They show what your group has entered. They do not create a debt that anyone can enforce, and we do not collect, guarantee or decide disputes about money between users.
Exchange rates are for display only. Totals converted into your home currency use published reference rates (European Central Bank) and are approximate. Each group settles in its own currency.
Check before you pay. We work hard to make the maths exact (amounts are stored as whole units, and every split adds up to the total), but you are responsible for checking what you, and others, entered before paying anyone.

4. Groups, invitations and shared content

Anyone in a group can see its members, expenses, payments and history, and the payment usernames that members choose to add. Any member can add, edit or delete the group's expenses and payments; admins can also remove members. You may only add people to a group, or invite them by email, if you have a genuine reason to share costs with them and you believe they would want to be invited. When someone leaves or deletes their account, what they shared stays in the group (shown as "Former member") so that everyone else's balances still add up.

You keep ownership of what you enter (names, descriptions, amounts). You give us permission to store, copy and show it to the members of your groups, only as needed to run Splitkia for you. You are responsible for what you enter, and it must be accurate to the best of your knowledge.

5. Acceptable use

Do not use Splitkia to:

break any law, including laws on fraud, money laundering, sanctions or privacy;
harass, threaten or deceive anyone, or record debts you know are false;
enter offensive, hateful or illegal content, or other people's personal data they would not expect you to share;
send spam or unwanted invitations;
access accounts or groups that are not yours, probe or overload our systems, scrape data, or get around security limits;
copy, resell or reverse-engineer the service, except where the law allows it.

6. Your data

How we collect, use, keep and delete personal data is explained in the Privacy Policy. In short: your data is stored in the EU and encrypted, we never sell it, and there are no ads. You can download a copy of your data (Account → Download my data) and delete your account (Account → Delete account, or on the web) at any time.

7. Availability, backups and changes to the service

Splitkia is free. We aim to keep it running and back it up daily, but we cannot promise it will always be available, error-free or that data can never be lost. Your phone keeps a copy of your groups and works offline. Please keep your own records of anything important (you can export them at any time).

We may change, add or remove features. If we decide to stop the service entirely, we will give at least 30 days' notice in the app so you can export your data. We may delete accounts that have not been used for 24 months, after giving at least 30 days' notice in the app or by email.

8. Suspension and ending

You can stop using Splitkia and delete your account whenever you like. We may suspend or close an account, or remove content, if it breaks these terms or the law, puts other users or the service at risk, or if the law requires it. Where it is safe and lawful, we will tell you why and give you a chance to export your data. Sections 3, 4 (what stays in groups), 9, 10 and 12 continue to apply after your account ends.

9. Disclaimer

Splitkia is provided "as is" and "as available". To the extent the law allows, we make no promises about it beyond those in these terms, including that it will be fit for a particular purpose or that balances entered by users are correct.

10. Our liability

Nothing in these terms limits liability that cannot be limited by law, including for death or personal injury caused by negligence, for fraud, or your statutory rights as a consumer. Otherwise, to the extent the law allows:

we are not liable for money owed, paid or lost between users, for payments in other services, or for decisions you make based on balances shown in the app;
we are not liable for loss of profits, business or opportunity, or for indirect losses that were not reasonably foreseeable;
because the service is free, our total liability to you for all claims is limited to £50 (or the equivalent in your currency).

11. Your responsibility to us

If someone makes a claim against us because you broke these terms or the law (for example by entering someone else's personal data without a right to), you agree to cover our reasonable costs of dealing with it, to the extent the law allows.

12. Changes to these terms

We may update these terms, for example to reflect new features or legal requirements. For significant changes we will tell you in the app and ask you to agree to the new version before you continue; you can instead export your data and delete your account. The version and date at the top show which terms apply, and the app keeps a record of each version you agree to.

13. Disputes and law

If you have a problem, please contact us first at [email protected]; we reply within 30 days. These terms are governed by the laws of (to be confirmed). If you live elsewhere as a consumer, you also keep the protection of the mandatory laws of your country and can bring a claim in your local courts.

14. General

If any part of these terms is found unenforceable, the rest still applies. If we do not enforce a right straight away, we can still enforce it later. You may not transfer these terms to anyone else; we may transfer them to another organisation that takes over Splitkia, and will tell you if we do. These terms and the Privacy Policy are the whole agreement between you and us about Splitkia.

Contact

Splitkia · (to be confirmed) · [email protected]