Terms of service

What Splitsetter is

Splitsetter is an app for splitting shared expenses: a trip, a flat, a dinner. You record what was paid and by whom, the app keeps a running balance for the group, and when it is time to settle, it works out the fewest payments that clear everyone's debts.

It is a ledger, not a bank. Splitsetter never holds, moves, or requests money. Settling up happens between you and your friends, by whatever means you choose, and the app only records that it happened.

The app is free. The one thing you can pay for is receipt scanning, described below: it is optional, and everything else works without it.

Splitsetter is provided by Ornion OÜ (registry code 14129140), a company registered in Estonia. You can reach us at support@splitsetter.com.

Agreeing to these terms

By using Splitsetter you agree to these terms and to our privacy policy, which explains what we do with your data. If you do not agree with them, do not use the app. If you use Splitsetter for an organisation, you confirm that you may bind it to these terms.

Your account and your device

Splitsetter works without an account: the app creates an identity on your device the first time it runs, and everything you record is tied to it. That identity lives only on that device. If the device is lost, wiped, or the app's data is cleared before you have linked an email address, we have no way to give the identity back to you, and any group that nobody else was a member of is gone with it.

Linking an email address, or signing in with Apple or Google, turns the device identity into an account you can use on more than one device and recover on a new one. Keep the devices that are signed in to yourself; anyone who can unlock one of them can act as you in your groups. If you lose one, deleting your account from another device signs it out; write to us if you would rather we revoke only that device.

You are responsible for what happens under your identity, on every device it is signed in on.

What we expect of you

Record expenses truthfully. Everyone in a group sees the same ledger and relies on it; an invented or inflated expense misleads real people about real money. What you record about others, including people you add who have not joined, must be accurate and added for the purpose of sharing a bill with them.

Do not use Splitsetter to harass anyone, to send invitations to people who have not asked for them, to break the law, or to probe, overload, or interfere with the service. Do not try to read another group's data or to pass yourself off as someone else.

Your content

What you record in Splitsetter stays yours: the expenses, the names, the descriptions, the photos. You give us the permission needed to store it, back it up, and show it to the members of your groups, and that permission ends when the content is deleted and the last backup of it has expired.

A group's ledger belongs to its members together. Each member can see all of it, and deleting your account does not delete it for the others.

Upload only photos you have the right to use, and nothing unlawful, hateful, or aimed at a person. Anyone can report such content to support@splitsetter.com. If we remove something, we tell the person who added it what was removed and why, unless the law prevents it.

Splitsetter itself, its name, its design, and its code are ours. These terms give you the right to use the app, not to copy or resell it.

Receipt scanning

You can photograph a receipt and have the app fill in the expense from it. An AI model reads the receipt, as the privacy policy describes, and like any reader it can be wrong: an amount misread, a line missed, the wrong date or currency, a translation that is off. The scan only fills in the form. Nothing is saved until you have checked it and saved the expense yourself, and what you save is your record, exactly as if you had typed it.

One scan reads one receipt, from up to five photos or pages. A scan that reads nothing, because the photo is not a receipt, cannot be read, or our side fails, uses no scan. Reading the same photos again within a day uses no new scan either. Free scans are used first, then scans we gave the group or you, then scans you bought.

Send only receipts, and only photos you have the right to send. Do not use scanning to get other images read, and do not try to get scans without using them up. We limit how many scans can be made in a short time and how many failed scans can be sent in a day.

Scanning needs a connection, and it depends on a service we do not run. We may pause free scans, or scanning altogether while that service is down; a scan that does not run uses nothing. How many free scans there are, and when they come back, may change.

Scan packs

When the free scans run out, you can buy scan packs in the app. They are sold by Apple's App Store on iPhone and by Google Play on Android, which take the payment under their own terms, at the price the store shows before you buy. A refund of a purchase, and any right to withdraw from it, is handled by the store under its rules. The web version of the app sells nothing, but it spends the scans you have.

A pack's scans are added to your Splitsetter account once we have verified the purchase with the store. They never expire, they work in every group you are in, and they are yours: they cannot be moved to another person and have no cash value. If you have not linked an email address or signed in with Apple or Google, they live with the identity on your device and are lost with it, as described under Your account and your device; linking one keeps them safe. Deleting your account gives up the scans left on it.

If you discard a scanned expense without saving it, the scan comes back when a bought scan paid for it, within limits that stop scanning and discarding everything. The app tells you each time whether the scan came back.

If the store refunds a pack after you have used some of its scans, the used scans are taken off your balance, which can then fall below zero; bought scans then pay for nothing until you buy more. Free scans and scans we gave you keep working.

Changing the price or the size of a pack never touches scans you already bought. If we stop offering receipt scanning, or shut Splitsetter down, we will tell you at least 30 days ahead, and refund the bought scans you have not used, in proportion to what you paid for them, if you ask us at support@splitsetter.com.

A ledger, not a guarantee

Splitsetter is provided as is. We work to keep it available and your data intact, we back the database up every night, and the app keeps a full copy of your data on your device so an outage does not take your records away. Even so, we cannot promise that the service will never be interrupted, that sync will never be delayed, or that a defect will never lose a record.

The balances the app shows are arithmetic on what was recorded. They are only as good as the entries, and they are not financial, tax, or legal advice. Check anything that matters before you act on it, and do not make Splitsetter the only record of a debt you cannot afford to lose.

What we are liable for

Splitsetter is free and its scan packs cost a few euros, and our liability is scaled to that. To the extent the law allows, we are not liable for indirect losses, lost data, losses arising from a dispute between the members of a group, or an expense saved from a scan that read the receipt wrong, and our total liability to you for anything connected with the service is limited to one hundred euros or, if more, what you paid for scan packs in the twelve months before the claim.

The limit never applies to harm to life or health, or to damage we cause deliberately or through gross negligence, and nothing in these terms takes away rights you have as a consumer under the law of the country you live in.

Leaving

You can stop at any time. Deleting your account from your profile removes your personal data from our server and anonymises your past activity for your group members, as the privacy policy describes. Deleting the app without deleting the account leaves the account on the server for you to come back to.

We can suspend or close an account that is used to break these terms or the law, and we will tell you why unless the law prevents it. The data you recorded remains available to your groups' other members either way.

Changes to these terms

We may change these terms. A change that matters is announced at least 30 days ahead, in the app or by email to the address you linked, so you can stop using the service before it takes effect. A change never applies retroactively. Minor edits, such as clarifications and typo fixes, may take effect when published.

We may also change or discontinue the service itself. If we ever shut Splitsetter down, we will give you at least 30 days' notice and a way to export your data first, and refund unused scans as described under Scan packs.

Governing law

Estonian law governs these terms, and disputes go to the courts of Estonia. If you use Splitsetter as a consumer, this does not displace the protections of the country you live in: you may also bring a claim at home, or take a dispute to the Estonian Consumer Disputes Committee first.