Terms of Use

SplitPaw is a service operated by Igris Technologies SpA ("Igris Technologies", "we"), a corporation incorporated in Chile.

SplitPaw is a tool for tracking and splitting shared expenses between people (roommates, trips, dinners, teams). We do NOT process real payments. Settlements are informational records between you and other users — money actually moves outside the app (bank, cash, digital wallet, whatever you prefer).

SplitPaw also includes "My Pocket", a personal-finance tool to track your own spending month over month, with metrics, analytics, and per-category budgets. It is for informational and personal-organization purposes only — it does not constitute financial, accounting, or tax advice.

• You need an account to use the app. You identify yourself via Sign in with Apple or Google.
• You are responsible for keeping your account secure. Don't share credentials and review active sessions with your identity provider periodically.
• You must meet the minimum legal age in your country (13, 14 or 16 depending on jurisdiction) to create an account. If you're a minor but above the age of digital consent, use the app under guardian supervision.
• You can delete your account at any time from Settings → Terms and Privacy → Delete account. The action is permanent.

By using SplitPaw you agree to:

• Only log expenses that are real or agreed with the other members of the group.
• Respect the other people in your shared groups.
• Not use the app for fraud, money laundering, claiming non-existent debts, harassment, identity impersonation or any other illegal activity.
• Not attempt to access other users' data outside of groups you were invited to.
• Not reverse-engineer, mass-scrape or attempt to overload the service.
• Not upload receipt content that infringes third-party rights or shows illegal material.

We may suspend or close your account without prior notice if we detect a violation of these terms, without prejudice to your rights over data generated up to that point.

You keep ownership of everything you upload (expenses, receipts, comments). You grant us a limited, non-exclusive, worldwide, royalty-free license to store, process and display that content to you and to members of the groups where you share it, solely to deliver the service.

If you share content with other members of a group, they will see it inside the group. This is NOT public broadcasting.

• SplitPaw offers a free tier with limits (number of groups, monthly receipt scans, recurring expenses) and a Premium tier that lifts or removes those limits.
• Premium is purchased via Apple In-App Purchase. Apple charges, invoices and handles renewals.
• Period and price are shown on the purchase screen before you confirm. Renewals are charged at the start of each period unless you cancel beforehand in Settings → Apple ID → Subscriptions.
• Refunds, where applicable, are handled by Apple under their policies. SplitPaw does not process direct refunds.
• If your subscription is cancelled or lapses, your data is not lost. You return to the free-tier limits; anything over those limits becomes read-only until you renew or delete it.

• Whoever creates a group is its initial "owner". They can invite, remove members, close the group or delete it permanently.
• Any member can leave voluntarily. Their open balances remain in history as a reference for the others.
• If the owner leaves, they must transfer ownership or close the group. This prevents orphan groups.
• Group data (expenses, balances, members) is visible to all active members. Keep this in mind before uploading sensitive expenses.

Groups include a chat. Messages, reactions and mentions are user-generated content and you're responsible for what you post. By using the chat you accept these guidelines: we have zero tolerance for objectionable content and abusive behavior.

In the chat, and in any text you upload, it is prohibited to:

• Post offensive, illegal, sexually explicit, violent or hateful content.
• Harass, threaten, intimidate or impersonate other people.
• Send spam, unsolicited advertising or malicious links.
• Share third parties' personal data without their consent.

Tools available to you: you can report any message and block a user from within the chat. Blocking hides that person's messages across all your chats; manage your blocks in Settings → Blocked accounts.

We review reports and remove content and/or suspend or close accounts that break these rules, without prior notice. To report content or abuse, write to report@splitpaw.app.

The app is provided "as is" and "as available". We make reasonable efforts to keep the service available, accurate and secure, but we don't guarantee uninterrupted availability, error-free operation, or absolute accuracy of the computed balances.

Verify important amounts before transferring money between people. SplitPaw is not responsible for disputes between group members or for how each person uses the data shared within their group.

To the maximum extent permitted by law, our total liability for any claim related to the service is capped at the greater of (a) what you paid for Premium in the 12 months before the event, or (b) USD 50. Nothing in these terms limits liability that cannot be limited by law (consumer rights, willful misconduct, gross negligence).

You can stop using the app and delete your account at any time. We may suspend or close your account if you breach these terms or if law requires it. Clauses that by their nature should survive (IP, limitation of liability, jurisdiction) remain in effect after termination.

We may update these terms. The current version lives at splitpaw.app/terms with its last-updated date at the top. Material changes are announced in the app and take effect after a reasonable notice period. If you don't accept a material change, your remedy is to stop using the service and delete your account.

These terms are governed by the laws of Chile. Any dispute arising from use of the service is submitted to the ordinary courts of Santiago de Chile, without prejudice to the mandatory consumer rights of your country of habitual residence (which prevail if local law so provides).

• Inquiries and contact: privacy@splitpaw.app
• Moderation, content reports and abuse: report@splitpaw.app