Terms of Service

1. Acceptance of Terms

By downloading, accessing, or using Splitko, you agree to be bound by these Terms of Service. If you do not agree, do not use the application.

2. Description of Service

Splitko is a group expense tracking application that helps users split bills, track shared expenses, optimize debts, and settle up. We are NOT a financial institution or payment processor.

3. User Accounts

You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials. You may delete your account at any time from Profile → Account → Delete Account.

4. Premium Subscriptions

Premium is $2.99/month or $22.99/year (in the UK £2.99/month or £22.99/year), auto-renewed via App Store or Google Play.

5. AI Features

The AI Receipt Scanner is powered by Google's Gemini AI and processes receipt images on our servers. Results may contain errors — always review extracted items before saving. We are not liable for inaccurate scan results.

6. Revolut Integration

Splitko generates deep links to facilitate payments through Revolut. Actual payment processing is handled entirely by Revolut. We are not responsible for failed, delayed, or incorrect payments made through Revolut.

7. Acceptable Use

You agree not to: use the application for illegal purposes, attempt to reverse-engineer the application, abuse API integrations, create multiple accounts for fraud, or harass other users through the app.

8. Disclaimer of Warranties

Splitko is provided "as is" without warranties of any kind. We do not guarantee the accuracy of expense calculations, debt optimization, or AI-generated receipt data. Always verify important financial information independently.

9. Limitation of Liability

To the maximum extent permitted by law, Splitko shall not be liable for any indirect, incidental, or consequential damages arising from use of the service, including but not limited to financial losses from incorrect calculations or failed payments.

10. Advertising

Splitko is free and funded by advertising supplied by Google AdMob. Ads appear only on browsing screens, never while you add an expense, scan a receipt or settle up — except an optional ad you can choose to watch for one more scan once your daily scans are used up. In the EEA and the UK we ask for consent before personalised ads; refusing does not switch ads off and does not limit the app. Premium removes ads. See the Privacy Policy for details.

11. Referral Programme

You can invite others with your referral code. When someone registers with your code, you get 7 extra Premium days; when that person later buys a Premium subscription, you get another 14 days. The days are added to your Premium period and remove ads; unlimited AI scans require a paid subscription. The days cannot be exchanged for money or transferred to someone else. You cannot refer yourself, and each device can trigger the bonus only once. We may withhold or remove days obtained by abuse (for example fake accounts) and may change or end the programme at any time; days already granted fairly are kept.

12. Complaints

You can submit a complaint about how Splitko works to support@splitko.app. Describe the problem and give the e-mail address of your account. We reply within 14 days of receiving the complaint. Payments and refunds for Premium are handled by the App Store or Google Play under their own rules, so refund requests go to the store you paid through. This does not limit your statutory rights as a consumer.

13. Provider, Technical Requirements and Ending the Agreement

Splitko is provided by CODE8 Polska Michał Lelek (contact: support@splitko.app). To use it you need a device with a supported version of iOS or Android, an internet connection and an e-mail address or an Apple or Google account. You must not post unlawful content in the app. The agreement lasts until you delete your account, which you can do at any time in the app (Profile → Account). A Premium subscription is cancelled separately, in the settings of your App Store or Google Play account.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the application after changes constitutes acceptance of the updated Terms.