Splitorium

Terms of Service

Last Updated: March 4, 2026

            Summary: By using Splitorium, you agree to these terms. Use the service responsibly, don't abuse it, and respect other users.
        

1. Acceptance of Terms

By accessing or using Splitorium ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.

2. Description of Service

Splitorium is an expense sharing application that allows users to:

Track shared expenses within groups
Split costs using various methods (equal, percentage, weighted, exact amounts)
Record payments and settlements
Manage friendships and group memberships
Sync data across devices with offline support

3. Account Registration

To use the Service, you must:

Create an account with a valid email address
Verify your email address through our verification process
Provide a valid phone number and verify it via SMS verification code
Provide accurate and complete information
Maintain the security of your account credentials

You are responsible for all activities that occur under your account.

4. Acceptable Use

You agree NOT to:

Use the Service for any unlawful purpose
Attempt to gain unauthorized access to any part of the Service
Interfere with or disrupt the Service or servers
Create multiple accounts for abusive purposes
Use automated scripts to access the Service without permission
Impersonate another person or entity
Harass, abuse, or harm other users
Upload malicious code or content
Use the Service to send spam or unsolicited communications

5. User Content

You retain ownership of content you create (expense descriptions, group names, etc.). By using the Service, you grant us a license to store, display, and process this content as necessary to provide the Service.

You are responsible for ensuring your content does not violate any laws or third-party rights.

6. Receipt Scanning Services

Splitorium offers receipt scanning functionality to help you quickly add expenses. By using this feature, you agree to the following:

Processing: When you scan a receipt, the image is sent to our servers and processed using optical character recognition (OCR) technology to extract expense information such as merchant name, amount, date, and line items.
Temporary Processing: During the scanning process, your receipt image is processed in real-time and is not retained after the extracted data is returned to you.
Receipt Attachments: If you choose to attach a receipt to an expense, the image is stored on our secure servers (Amazon S3) and remains associated with that expense.
Retention: Attached receipt images are retained only for as long as the associated expense exists. When an expense is deleted, the attached receipt image is automatically removed from our servers.
User Control: You may remove a receipt attachment from any expense at any time. Once removed, the receipt image is permanently deleted from our servers.
Content Responsibility: You are responsible for ensuring that any receipts you scan or upload do not contain sensitive personal information beyond what is necessary for expense tracking.

7. Expense Calculation and Rounding

When splitting expenses among participants, Splitorium performs mathematical calculations to determine each participant's share. Due to the nature of currency rounding, you acknowledge and agree to the following:

Rounding to Cents: All expense shares are rounded to the nearest cent (two decimal places) as required by standard currency formats.
Indivisible Amounts: Some expense amounts cannot be divided evenly among all participants. For example, an expense of $10.00 split among 3 people results in $3.33 per person, with a remainder of $0.01.
Fair Distribution of Remainders: When rounding creates a discrepancy between the sum of individual shares and the total expense amount, Splitorium distributes the difference as fairly as possible by assigning additional cents (typically $0.01) to individual participants one at a time, starting with those who have larger shares.
Maximum Adjustment: Any individual participant's share may be adjusted by up to $0.10 (10 cents) to ensure the sum of all shares exactly equals the expense total. This adjustment is typically much smaller (1-2 cents per participant).
Itemized Splitting: For itemized expenses (such as scanned receipts with line items), each line item is split among its assigned participants, and tax and tip are distributed proportionally based on each participant's share of the subtotal. Rounding is applied at each step.
No Guarantee of Equal Shares: While we strive for fairness, mathematically perfect equal splits are not always possible. You accept that minor cent-level variations may occur in split amounts.

These rounding rules ensure that every expense balances correctly while distributing any rounding adjustments as equitably as possible among participants.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

9. Email Communications

By creating an account, you consent to receive transactional emails from us, including:

Account verification emails
Password reset emails
Important service announcements

These communications are essential for account security and cannot be opted out of while maintaining an account.

10. SMS/Text Message Communications

By providing your phone number during account registration or when updating your phone number, you expressly consent to receive SMS text messages from Splitorium for the purpose of phone number verification. You agree to the following terms regarding SMS communications:

Program Name: Splitorium Phone Verification.
Message Content: You will receive a one-time SMS containing a numeric verification code to confirm ownership of your phone number.
Message Frequency: One (1) message per verification request. No recurring or marketing messages will be sent.
Message and Data Rates: Message and data rates may apply. Contact your mobile carrier for details about your messaging plan.
Opt-Out: You can opt out of receiving SMS messages at any time by replying STOP to any message from Splitorium. After opting out, you will receive a confirmation message and no further SMS messages will be sent unless you initiate a new verification request. Note that opting out may prevent you from completing phone verification.
Help: For assistance, reply HELP to any message from Splitorium or email us at support@splitorium.com.
Carriers Supported: Service is available on all major U.S. mobile carriers. Splitorium is not responsible for delayed or undelivered messages due to carrier issues.
Privacy: Your phone number is collected solely for verification purposes and will not be shared with third parties for marketing. See our Privacy Policy for full details on how your information is handled.

11. Intellectual Property

The Service and its original content (excluding user content), features, and functionality are owned by Splitorium and are protected by international copyright, trademark, and other intellectual property laws.

12. Subscriptions and In-App Purchases

Splitorium offers optional auto-renewable patron subscriptions ("Subscriptions") through the Apple App Store and Google Play Store. By purchasing a Subscription, you agree to the following:

Subscription Tiers: Splitorium offers three annual subscription tiers — Supporter, Patron, and Champion. These are entirely optional and do not unlock any core functionality of the app.
Billing: Subscriptions are billed annually and automatically renew unless cancelled at least 24 hours before the end of the current billing period. Payment is charged to your App Store or Google Play account at confirmation of purchase.
Cancellation: You may manage or cancel your Subscription at any time through your device's account settings (App Store or Google Play). Cancellation takes effect at the end of the current billing period.
No Refunds: Refunds are handled by Apple or Google in accordance with their respective refund policies.
Price Changes: We reserve the right to change Subscription pricing. Any price changes will take effect at the start of the next billing period following notice to you.

Apple Licensed Application End User License Agreement

If you access Splitorium through the Apple App Store, your use of the app is also subject to Apple's standard Licensed Application End User License Agreement ("Apple EULA"), available at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/. In the event of any conflict between these Terms and the Apple EULA, the Apple EULA shall take precedence with respect to your use of the app as obtained through the Apple App Store.

You acknowledge that:

These Terms are between you and Splitorium only, not with Apple. Splitorium, not Apple, is solely responsible for the app and its content.
Apple has no obligation to provide any maintenance or support services for the app.
Apple is not responsible for addressing any claims relating to the app, including product liability claims, legal compliance claims, or intellectual property infringement claims.
Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right to enforce these Terms against you.

13. Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind. We do not guarantee that the Service will be uninterrupted, secure, or error-free.

Splitorium is a tool for tracking expenses and is not a financial institution. We do not process actual financial transactions.

14. Limitation of Liability

To the maximum extent permitted by law, Splitorium shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

15. Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in abusive behavior.

16. Account Deletion

You may delete your account at any time through the app settings. When you delete your account:

Your account is immediately deactivated and you will no longer be able to log in.
Your profile information (name, photo) is anonymized and replaced with "Deleted Account."
Your expense history and group participation remains visible to other group members under the anonymized name to maintain accurate financial records.
We retain your email address for 30 days to allow account revival.

Account Revival

Within 30 days of deletion, you may revive your account by signing up with the same email address. Upon successful verification, your previous account data will be restored. After 30 days, your email is permanently deleted and any new signup creates a fresh account.

17. Changes to Terms

We may modify these Terms at any time. We will notify you of significant changes by email or through the Service. Continued use of the Service after changes constitutes acceptance of the new Terms.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

19. Contact Information

For questions about these Terms, please contact us at:

Email: support@splitorium.com