Splitrate Terms of Use

By downloading, installing, or using the Splitrate mobile application ("App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the App.

The App has an age rating of 4+ and is suitable for all age groups. However:

• Minors (under 18): Should use the App under parental supervision, especially regarding financial data entry and financial literacy features.
• Children under 13: Parental consent is required for use in jurisdictions where applicable.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the operator of Splitrate ("we," "us," or "our") regarding your use of the App.

Splitrate is operated by:

Splitrate is a personal finance organization app designed for households, couples, and shared living arrangements. The App provides:

• Expense Tracking: Log and categorize shared and personal expenses
• Budget Management: Create and monitor budgets
• Savings Goals: Set and track savings objectives
• Settlement Tracking: Monitor balances between household members
• Financial Visualization: View insights into shared finances

The App uses a local-first architecture that prioritizes your privacy:

• Default Storage: All data is stored locally on your device
• Optional Sync: You may enable iCloud synchronization to sync data across your Apple devices
• Your Control: You retain complete control over your financial data

Splitrate is an organizational and visualization tool only. We:

• Do NOT connect to banks, payment providers, or financial institutions
• Do NOT process actual money transfers or payments
• Do NOT provide financial, tax, or legal advice
• Are NOT a substitute for professional financial services

The App is completely free:

• No cost for download, use, or feature access
• No in-app purchases
• No subscriptions
• No advertisements
• All features available to all users without restrictions
• No data is transferred to third parties

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes, subject to these Terms.

You may:

• Install and use the App on devices connected to your Apple ID
• Share the App with family members via Apple Family Sharing, in accordance with Apple's policies
• Export your data in CSV or JSON format

You may NOT:

• Modify, adapt, translate, or create derivative works from the App
• Reverse engineer, decompile, disassemble, or attempt to discover the source code
• Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices
• Redistribute, sublicense, rent, lease, or lend the App
• Use the App for commercial purposes without our prior written consent
• Use automated tools to extract, scrape, or harvest data from the App
• Use the App for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any portion of the App or related systems

You are solely responsible for:

• The accuracy and completeness of all data you enter into the App
• Understanding that all calculations, projections, and visualizations are based exclusively on your input
• Verifying the accuracy of any outputs before relying on them

We strongly recommend that you:

• Secure your device with a passcode, Face ID, or Touch ID
• Keep iOS updated for security and compatibility
• Enable iCloud Backup to prevent data loss (if using iCloud sync)
• Protect your Apple ID credentials from unauthorized access

You are responsible for all activities that occur under your Apple ID when using the App.

You agree to use the App in compliance with:

• These Terms
• All applicable laws and regulations in your jurisdiction
• Apple's App Store Terms of Service

All financial data you enter into the App remains your property.

• Local Storage: By default, all data is stored exclusively on your device
• iCloud Sync: If enabled, data is stored in your private iCloud account and subject to Apple's iCloud Terms of Service

We have NO access to your financial data or any other information stored in the App at any time.

The App is built with privacy as a core principle:

• No Tracking: We do not track, analyze, or profile your usage
• No Data Collection: We do not collect personal information or usage data
• No Third Parties: We do not share, sell, or transfer data to third parties
• No Advertising: No ad networks or advertising SDKs are integrated
• No Analytics: No analytics services or third-party SDKs are used

The App may request the following optional permissions:

• Camera: Only for taking photos of receipts (requires your explicit consent)
• Push Notifications: Optional and fully controllable by you
• Biometric Data: Processed locally by iOS only; never transmitted or stored by us

For detailed information about data processing, please refer to our Privacy Policy available at https://splitrate.app/privacy, which is incorporated into these Terms by reference.

You may export your data at any time in CSV or JSON format. You are responsible for backing up your data regularly.

If you are located in the European Economic Area (EEA), United Kingdom, or other jurisdictions with data protection laws, you have additional rights as described in our Privacy Policy, including:

• Right to access your data
• Right to rectification
• Right to erasure
• Right to restrict processing
• Right to data portability
• Right to object
• Right to withdraw consent

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Uninterrupted or error-free operation
• Accuracy, reliability, or completeness of any information

All calculations, forecasts, and analyses provided by the App are estimates based solely on your input. We make no guarantees regarding:

• Accuracy of calculations
• Completeness of projections
• Suitability for your specific financial situation
• Achievement of financial goals

You are solely responsible for all financial decisions made based on or with the assistance of the App. For important financial matters, consult qualified professionals such as:

• Certified financial planners
• Tax advisors
• Attorneys
• Accountants

The App, including its design, code, features, and content, is protected by copyright, trademark, and other intellectual property laws. All rights, title, and interest in the App remain with us.

"Splitrate" and the Splitrate logo are trademarks or registered marks. You may not use these marks without our prior written permission.

These Terms do not transfer any ownership rights to you. You receive only the limited license described in Section 3.

You retain all rights to data and content you create or enter into the App (financial data, notes, receipt images, etc.).

If you provide feedback, suggestions, or ideas about the App, we may use them without any obligation to you.

The App is distributed through the Apple App Store. Your use is also subject to Apple's App Store Terms of Service and License Agreement.

To the extent these Terms conflict with Apple's Standard End User License Agreement (EULA), these Terms shall prevail, except where prohibited by law.

Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms and have the right to enforce these Terms against you.

If you enable synchronization, you will use Apple's iCloud services, which are subject to Apple's iCloud Terms of Service.

The App does not integrate any other third-party services, analytics platforms, advertising networks, or external SDKs.

You acknowledge that:

• These Terms are between you and us, not Apple
• Apple has no obligation to provide maintenance or support services
• Apple is not responsible for addressing any claims relating to the App
• Apple is not responsible for any product liability claims, intellectual property infringement claims, or claims that the App fails to conform to legal requirements
• In the event of any third-party claim that the App infringes intellectual property rights, we (not Apple) are responsible for investigation, defense, settlement, and discharge of such claim

These Terms remain in effect for as long as you use the App.

You may terminate these Terms at any time by:

• Uninstalling the App from all your devices
• If iCloud sync is enabled: Deleting Splitrate data from your iCloud Drive

To completely remove all data associated with the App:

• Uninstall the App from all devices
• Delete Splitrate folders and files from iCloud Drive (if iCloud sync was enabled)

We may terminate or suspend your access to the App immediately, without prior notice, if:

• You breach these Terms
• We are required to do so by law
• Providing the App to you is no longer commercially viable
• We decide to discontinue the App

Upon termination:

• Your license to use the App immediately ceases
• You must delete the App from all devices
• We are not liable for any losses resulting from termination
• Sections that by their nature should survive (including liability limitations, intellectual property, and dispute resolution) will continue to apply

We reserve the right to modify these Terms at any time. Reasons for changes may include:

• Legal or regulatory requirements
• Changes in judicial interpretation
• Technical developments
• Changes to the service that do not materially disadvantage you

We will notify you of material changes by:

• In-app notification
• Email to the address associated with your Apple ID
• Posting on our website

We will provide at least thirty (30) days' notice before material changes take effect.

Your continued use of the App after changes take effect constitutes acceptance of the new Terms.

If you do not agree to modified Terms, you must stop using the App. You may terminate as described in Section 9.2.

The current version of these Terms is always available:

• In the App under Settings > Legal
• On our website at https://splitrate.app/terms

We may periodically release updates to the App for:

• Bug fixes and performance improvements
• Security patches
• New features
• Compatibility with new iOS versions

We have no obligation to provide updates or maintain the App indefinitely. We may discontinue the App or specific features at any time.

If you have enabled automatic updates on your device, updates will be installed automatically. You are responsible for ensuring sufficient storage space.

The App is optimized for current iOS versions. Older iOS versions may not be fully supported. We recommend keeping iOS up to date.

Features may change with updates. We will inform you of significant changes that materially affect functionality.

These Terms are governed by the laws of Germany, without regard to conflict of law principles. If you are a consumer, you retain the benefit of mandatory consumer protection laws in your country of residence.

Step 1 — Informal Resolution: Before filing a claim, you agree to contact us at support@splitrate.app to attempt to resolve the dispute informally. We will attempt to resolve the dispute within sixty (60) days.

Step 2 — Formal Proceedings: If we cannot resolve the dispute informally, EEA/UK consumers may bring proceedings in the courts of their country of residence. For other jurisdictions, disputes may be brought in the courts of Germany, unless local consumer protection law requires otherwise.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND WE AGREE THAT DISPUTES WILL BE RESOLVED INDIVIDUALLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. This waiver does not apply in jurisdictions where class action waivers are prohibited, including (but not limited to) the European Union and many US states for consumer matters.

Nothing in this section affects your statutory rights as a consumer that cannot be waived by contract.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the App and supersede all prior agreements.

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction.

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

• Acts of God
• Natural disasters
• War or terrorism
• Labor disputes
• Internet outages
• Government actions
• Pandemics or public health emergencies

These Terms are drafted in English. Translations may be provided for convenience, but in case of conflict, the English version controls.

You consent to receive communications from us electronically, including via email or in-app notifications. You agree that such electronic communications satisfy any legal requirement that communications be in writing.

You agree to comply with all applicable export and import laws and regulations. You represent that you are not located in a country subject to comprehensive sanctions and are not on any government list of prohibited or restricted parties.

If you are a government entity or using the App on behalf of a government entity, the App is "commercial computer software" and "commercial computer software documentation" as those terms are used in applicable regulations.

If you are a consumer in the EEA or UK, you have rights under EU and UK consumer protection laws that cannot be limited by these Terms, including:

• Right of withdrawal (may not apply to digital content once download has begun with consent)
• Legal guarantee of conformity
• Right to a remedy if the App is defective

For EEA/UK users, data processing is governed by the GDPR. See our Privacy Policy for details.

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

For Australian users, nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy conferred on you by the Australian Consumer Law or any other applicable law that cannot be excluded, restricted, or modified by agreement.

For Quebec residents, these Terms are governed by the laws of Quebec and the laws of Canada applicable therein. Disputes will be resolved in accordance with Quebec law.