Terms of Service
Effective date: 1st July 2026

These Terms of Service (“Terms”) form a binding agreement between you (“you”, “User”) and Reynholm Corporate Ltd, company no. 14396385, registered in England and Wales, with registered address Office 9, Dalton House, 60 Windsor Avenue, London, United Kingdom, SW19 2RR (“SplitGuru”, “we”, “us”), governing your use of the SplitGuru web and mobile application and related services (the “Service”).

By creating an account or using the Service, you confirm you have read, understood, and agree to these Terms and our Privacy Policy.

1. The Service
SplitGuru is a multi-currency expense-sharing tool that records transactions between members of a group and calculates suggested settlements using double-entry journal logic.

Important: SplitGuru is a calculation and record-keeping tool only. We do not move, hold, or transfer money between users. Settlements between group members occur outside the Service.

2. Eligibility & Accounts
You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service.
You must provide accurate registration information and keep it current.
You are responsible for safeguarding your password and for all activity under your account.
One account per person. You may not share accounts.
You must notify us promptly of any unauthorised use of your account.
3. Acceptable Use
You agree not to:

Use the Service for any unlawful, fraudulent, or deceptive purpose, including money laundering or tax evasion.
Record transactions involving illegal goods or services.
Upload content that is defamatory, obscene, infringing, or harmful to others.
Attempt to gain unauthorised access to the Service, other accounts, or our systems.
Reverse-engineer, scrape, or extract data from the Service except via features we provide.
Use the Service to harass, abuse, or impersonate other group members.
We may suspend or terminate accounts that breach these rules, with or without notice.

4. Fees & Billing
4.1 Free trial
New accounts include a free trial period as described in the app at signup. No payment details are required to start the trial.

4.2 Subscription fees
After the trial, continued use of the Service requires a paid subscription. Fees are calculated monthly based on the volume of expenses recorded across your groups, in accordance with the fee schedule shown in the app at Settings → Billing & trial. The current schedule includes a minimum monthly fee and percentage tiers that decrease as volume increases.

All fees are stated and charged in pounds sterling (GBP) unless otherwise specified. Fees are exclusive of VAT and other taxes, which will be added where applicable.

4.3 Payment processor
Payments are processed by Paddle.com Market Limited (“Paddle”), who acts as Merchant of Record for SplitGuru subscriptions. Paddle handles billing, tax collection and remittance, refunds, and chargebacks. Your use of Paddle is also subject to Paddle’s Buyer Terms.

4.4 Changes to fees
We may change the fee schedule on at least 30 days’ notice by email and in-app notification. Changes apply to billing periods that begin after the notice period.

4.5 Late or failed payments
If a payment fails, we may retry the charge, suspend access to billable features, and ultimately downgrade or close the account. Historical data remains accessible during a grace period.

5. Refunds & Cancellation
You may cancel your subscription at any time from within the app. Cancellation stops future billing periods; it does not refund fees already charged for the current or prior periods.
Fees for completed billing periods are non-refundable except where required by law.
Refund requests for billing errors should be raised within 30 days via the contact details below; we will investigate in good faith.
Statutory consumer rights, including the UK 14-day cooling-off period for distance contracts where applicable, are not affected by this clause.
6. Your Content & Data
You retain ownership of the data you enter into SplitGuru (group details, transactions, member names, receipts). You grant SplitGuru a worldwide, non-exclusive, royalty-free licence to host, store, process, and display that data solely to provide and improve the Service.

You are responsible for ensuring you have the right to upload information about other group members and that doing so complies with applicable data-protection laws.

You may export your data at any time and may request deletion of your account in accordance with our Privacy Policy.

7. Disclaimers
The Service is provided “as is” and “as available”. To the maximum extent permitted by law, we make no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

SplitGuru calculations, suggested settlements, and FX conversions are provided as a convenience. You are responsible for verifying figures before settling balances or relying on them for accounting, tax, or legal purposes.
FX rates are sourced from third-party providers (currently the Frankfurter API). We do not guarantee accuracy, timeliness, or availability of these rates.
SplitGuru does not provide accounting, tax, financial, or legal advice.
We do not guarantee uninterrupted or error-free operation of the Service.
8. Limitation of Liability
Nothing in these Terms limits liability that cannot be limited by law (including death or personal injury caused by negligence, or fraud).

Subject to the above, our total aggregate liability arising out of or relating to these Terms or the Service is limited to the greater of (a) the fees you paid to SplitGuru in the 12 months preceding the event giving rise to the claim, or (b) £100.

We are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, even if advised of the possibility.

We are not liable for disputes between group members regarding amounts owed, settlements made or not made, or the accuracy of data entered by users.

9. Indemnity
You agree to indemnify and hold harmless SplitGuru, its officers, employees, and contractors from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right.

10. Termination
You may close your account at any time from Settings or by contacting us.
We may suspend or terminate your account immediately if you breach these Terms, fail to pay fees, or if required by law.
On termination, your right to use the Service ends. We will retain or delete your data in accordance with our Privacy Policy.
Clauses that by their nature should survive termination (including fees owed, disclaimers, liability limits, indemnity, and governing law) will survive.
11. Changes to These Terms
We may update these Terms from time to time. For material changes we will provide at least 30 days’ notice by email and in-app notification. Continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service and may close your account.

12. Governing Law & Disputes
These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute, except that consumers may bring proceedings in the courts of their country of residence where required by law.

Before bringing any formal claim, you agree to contact us first at the address below so we can attempt to resolve the matter informally.

13. Miscellaneous
Entire agreement: these Terms and the Privacy Policy form the entire agreement between you and SplitGuru regarding the Service.
Severability: if any provision is held unenforceable, the remaining provisions remain in effect.
No waiver: failure to enforce any right is not a waiver of that right.
Assignment: you may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
Third-party rights: a person who is not a party to these Terms has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term.
14. Apple App Store — Additional Terms
If you obtained the Service from the Apple App Store, the following also apply:

These Terms are between you and SplitGuru only, not Apple. Apple is not responsible for the Service or its content.
Your licence to use the iOS app is limited to use on Apple-branded devices you own or control, in accordance with the App Store Terms of Service.
Apple has no obligation to provide maintenance or support for the Service.
In the event of any failure of the iOS app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). Apple has no other warranty obligation.
Apple is not responsible for addressing any claims by you or any third party relating to the Service, including product liability, legal/regulatory compliance, or consumer protection claims.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
15. Contact
Questions, refund requests, or legal notices: support@SplitGuru.co.uk

Postal address: Office 9, Dalton House, 60 Windsor Avenue, London, United Kingdom, SW19 2RR.