SplitMate Terms of Service

Effective Date: August 11, 2026
Last Updated: August 11, 2026

Welcome to SplitMate, owned and operated by Fyndra Labs (“Company,” “we,” “us,” or “our”).

These Terms of Service (“Terms”) govern your access to and use of the SplitMate mobile application (the “App”) and any associated services, websites, or features (collectively, the “Services”).

By downloading, installing, registering for, or using SplitMate, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the App.

1. Description of Service

SplitMate is an expense-tracking and bill-splitting mobile application designed to help individuals, roommates, friends, and groups track shared expenses, calculate balances, and organize peer-to-peer settlements.

Important Disclaimer: SplitMate is strictly a tracking and record-keeping tool.

  • SplitMate is not a bank, money transmitter, payment processor, or financial institution.
  • The App does not directly handle, hold, process, or transfer real currency. Any peer-to-peer payments or settlements recorded in the App are settled independently by users off-platform or via third-party payment services.

2. Eligibility & Account Registration

  • Eligibility: You must be at least 13 years of age (or the minimum legal age in your jurisdiction) to use SplitMate.
  • Account Security: You are responsible for maintaining the confidentiality of your account credentials (email/password, OAuth logins) and for all activities that occur under your account.
  • Accurate Information: You agree to provide accurate, current, and complete information during registration and keep your account details updated.

3. Acceptable Use Policy

When using SplitMate, you agree not to:

  1. Use the App for any illegal, fraudulent, or unauthorized purpose.
  2. Enter false, deceptive, or misleading financial entries, expense claims, or balances against other users.
  3. Attempt to gain unauthorized access to other users’ accounts, group data, or our servers and databases.
  4. Reverse engineer, decompile, disassemble, or copy any part of the App.
  5. Transmit viruses, malware, or harmful code through the App.
  6. Harass, abuse, stalk, or send spam/unsolicited payment reminders to other users.

4. User-Generated Content & Receipts

  • Content Ownership: You retain ownership of all content you upload or input into SplitMate, including expense titles, notes, and receipt images (“User Content”).
  • License to Use: By submitting User Content, you grant Fyndra Labs a non-exclusive, worldwide, royalty-free license to host, store, display, and process your content solely for the purpose of operating and providing the App services to you and your group members.
  • Prohibited Content: You must not upload receipt images or media that contain explicit, unlawful, defamatory, or infringing content.

5. Subscriptions, Purchases & Fees

  • SplitMate may offer free features as well as premium subscription tiers or optional in-app purchases (“Premium Features”).
  • Any purchases made through the App are processed via the Google Play Store (or Apple App Store) and are subject to the terms and billing policies of the respective store platform.
  • We reserve the right to change our subscription fees or introduce new pricing models upon reasonable notice.

6. Intellectual Property Rights

The App, including its original source code, UI/UX design, graphics, branding, logos, trademarks, and features, is and remains the exclusive property of Fyndra Labs and its licensors. You are granted a limited, personal, non-transferable, non-exclusive license to download and use the App on your mobile device for personal use only.

7. Account Termination & Suspension

  • Termination by You: You may stop using the App and delete your account at any time via Settings > Account > Delete Account or by contacting support@fyndralabs.com.
  • Termination by Us: We reserve the right to suspend or terminate your access to SplitMate immediately, without prior notice or liability, if you violate these Terms or engage in fraudulent or harmful conduct.

8. Disclaimer of Warranties

THE APP AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, FYNDRA LABS DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

  • MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
  • GUARANTEES THAT THE APP WILL BE UNINTERRUPTED, SECURE, BUG-FREE, OR ERROR-FREE.
  • ACCURACY OR COMPLETENESS OF CALCULATIONS, EXPENSE HISTORY, OR BALANCES. USERS SHOULD INDEPENDENTLY VERIFY ALL FINANCIAL CALCULATIONS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FYNDRA LABS AND ITS DIRECTORS, EMPLOYEES, PARTNERS, OR AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • LOSS OF MONEY, PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES.
  • DISPUTES OR UNSETTLED BALANCES BETWEEN USERS.
  • UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT PAID BY YOU TO FYNDRA LABS FOR THE APP IN THE PAST SIX (6) MONTHS, OR $50 USD, WHICHEVER IS GREATER.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Last Updated” date at the top of this document and notify users within the App or via email. Continued use of SplitMate after changes become effective constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to its conflict of law principles.

12. Contact Information

For any questions, feedback, legal notices, or support inquiries regarding these Terms or SplitMate, please contact: