These Terms of Service ("Terms") govern your use of the Splitmaster mobile application ("the App") and any related services provided by Andrii Korshenko ("we," "us," or "our").
By downloading, installing, or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the App.
We reserve the right to update these Terms at any time. For material changes, we will provide at least 30 days' advance notice via email or in-app notification before the changes take effect. If you disagree with the changes, you may stop using the App and, if you are a paying subscriber, receive a prorated refund for the remaining period. Changes required by law or necessary for security may take effect immediately. Your continued use of the App after changes take effect constitutes acceptance of the revised Terms.
You must be at least 16 years of age to use the App. By using the App, you represent and warrant that:
If you are under 18 (or the age of majority in your jurisdiction), you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.
Splitmaster is a mobile application that helps users track shared expenses, split bills, and manage group spending. The App provides tools for:
Splitmaster is an informal expense-tracking tool. It is not a financial institution, bank, payment processor, or financial advisor. We do not transfer money between users, provide financial advice, or guarantee the accuracy of user-entered data. We do not act as a debt collector and will not pursue collection of any amounts displayed in the App on behalf of any user.
The balances and debts displayed in the App are based on information entered by users and calculated by the App's algorithms. They represent informal records and do not constitute legally binding debt obligations, promissory notes, or enforceable contracts between users. We do not verify the accuracy of user-entered amounts. Balance calculations are provided on a best-effort basis and may contain errors due to software bugs, rounding, or other technical factors.
Other users may enter expenses, claims, or settlements that affect your displayed balance without requiring your prior approval. You acknowledge that displayed balances may include amounts entered by other users.
Splitmaster is not a party to any financial arrangement, debt, or obligation between users. Any disputes regarding amounts owed must be resolved directly between the users involved. We do not owe any fiduciary duty to users. Amounts displayed in the App are not insured or guaranteed by any government agency or financial institution.
You are responsible for independently verifying all amounts before making any payment to another user. We accept no liability for payments made in reliance on amounts displayed in the App.
You must create an account to use the App. You may register using email (with one-time password verification), Google, or Apple sign-in. You are responsible for maintaining the confidentiality of your account and for all activity that occurs under your account.
You agree to notify us immediately of any unauthorized access to or use of your account. We are not liable for any loss or damage arising from unauthorized use of your account.
You may request deletion of your account at any time through the App (Settings > Delete Account). Upon requesting deletion, your account will be locked and permanently deleted after a 30-day grace period. You may cancel the deletion request during this period. Once deleted, all personal data and associated content will be permanently removed and cannot be recovered.
After deletion, anonymized records of shared expenses (amounts, dates, descriptions) may remain visible to other participants as part of their own expense history. Your personal information (name, email, profile photo) will be removed from those records.
For full details, see our Privacy Policy.
You are solely responsible for all content that you provide, post, upload, or submit through the App, including but not limited to expense descriptions, receipt images, group names, settlement notes, and profile information.
You agree not to submit content that:
We may review, remove, or disable access to any content that violates these Terms or that we deem inappropriate, at our sole discretion and without prior notice. We have no obligation to monitor user content but reserve the right to do so.
You agree not to:
Splitmaster offers optional paid subscription plans:
| Plan | Scan Credits |
|---|---|
| Monthly | 30 per month |
| Yearly | 30 per month |
| Free | 12 first month, 3/month after |
Subscription pricing is as displayed in the Apple App Store or Google Play Store at the time of purchase. Subscriptions are billed through the Apple App Store or Google Play Store, not by Splitmaster directly. All billing, payment processing, and refund requests are handled by Apple or Google in accordance with their respective terms and policies.
Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. Your account will be charged for renewal within 24 hours prior to the end of the current period at the then-current subscription price.
You may manage or cancel your subscription at any time through:
Cancellation takes effect at the end of the current billing period. You will retain access to paid features until that date. No partial refunds are provided for unused portions of a billing period.
If a free trial is offered, any unused portion of the free trial period will be forfeited when you purchase a subscription.
We reserve the right to modify subscription pricing with reasonable notice. Any price changes will apply to the next billing period following the notice and will not affect your current billing period.
If you are a consumer in the European Economic Area, you acknowledge that by purchasing a subscription and beginning to use the digital content, you expressly consent to the immediate performance of the service and confirm that you lose your 14-day right of withdrawal once the subscription period begins.
All content, features, and functionality of the App — including but not limited to the software, design, text, graphics, logos, and icons — are owned by or licensed to Andrii Korshenko and are protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes in accordance with these Terms. This license does not include the right to:
We do not warrant that:
To the extent permitted by applicable law, you agree to indemnify and hold harmless Andrii Korshenko from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) directly resulting from:
We may suspend or terminate your access to the App for the following reasons:
Where reasonably practicable, we will provide you with prior notice and an opportunity to address the issue before termination. We may act immediately and without prior notice where necessary to protect the safety or security of the App, other users, or to comply with legal requirements.
Upon termination, your right to use the App ceases immediately. If we terminate your paid subscription for reasons other than your violation of these Terms, we will use commercially reasonable efforts to ensure you receive a prorated refund for the unused portion of your current billing period through the applicable app store. Sections 7 through 10, 13, and any other provisions that by their nature should survive termination shall survive.
By creating an account, you consent to receive electronic communications from us, including:
You can manage push notification preferences within the App settings or through your device settings. Certain transactional communications (OTP, account deletion notices) are required for the operation of your account and cannot be opted out of.
We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from events beyond our reasonable control, including but not limited to natural disasters, pandemics, acts of government, cyberattacks, internet or telecommunications outages, power failures, or third-party service failures.
The App integrates with third-party services as described in our Privacy Policy. We are not responsible for the availability, accuracy, or content of these third-party services. Your use of third-party services is subject to their respective terms and privacy policies.
Subscriptions are processed through the Apple App Store and Google Play Store. Apple and Google are not parties to these Terms and are not responsible for the App or its content. However, 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 as a third-party beneficiary.
We may modify, update, suspend, or discontinue any feature or functionality of the App at any time. For material changes to paid features, we will provide reasonable advance notice via email or in-app notification.
Before initiating any legal proceedings, you agree to contact us at support@splitmaster.co and attempt to resolve the dispute informally for at least 30 days. If the dispute cannot be resolved informally, it shall be resolved in accordance with the Governing Law section below.
These Terms shall be governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law provisions. You irrevocably submit to the exclusive jurisdiction of the courts located in Belgium for the resolution of any disputes arising out of or relating to these Terms or your use of the App.
If you are a consumer in the European Union, you may also have rights under the laws of your country of residence, and nothing in these Terms affects your statutory consumer rights.
We reserve the right to terminate accounts that have been inactive for more than 12 consecutive months, provided we give you at least 30 days' advance notice via email before doing so. This does not apply to accounts with an active paid subscription.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Andrii Korshenko regarding your use of the App and supersede any prior agreements or communications.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us to be effective.
For any questions or concerns regarding these Terms, please contact: