Terms of Service for splitmax

Effective Date: April 7, 2026 Last Updated: April 7, 2026

This Agreement forms a legally binding contract between you (the "User", "you", or "your") and Splitmax (operated by an independent developer based in the United States) ("splitmax", "we", "us", or "our"), contact: support@splitmax.app.

1. Agreement to Terms

These Terms of Service ("Terms") constitute a binding legal agreement between you and splitmax governing your use of the splitmax mobile application and the website at https://splitmax.app (collectively, the "Service").

If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of the Service

splitmax is a tool that helps groups of people split restaurant bills and other shared expenses fairly. The Service lets you:

Scan a receipt with your phone's camera to extract items and prices using AI
Manually enter receipts and items
Share a link with people at the table so they can claim items they ordered, in any web browser, without installing the app
Generate payment links for popular peer-to-peer payment apps (Venmo, Cash App, PayPal, Zelle)
Track who has paid via self-attested status
Maintain a history of past splits and a personal contact list of people you split with

splitmax is NOT a payment processor. We do not facilitate, process, hold, or transfer money. When you pay or get paid, you are using a third-party payment service (Venmo, Cash App, PayPal, Zelle, etc.) under that service's own terms. splitmax only generates a deep link with prefilled amounts; the actual payment happens entirely outside of splitmax.

3. Eligibility

You must be at least 13 years old to use splitmax. If you are between 13 and 18, you must have permission from a parent or legal guardian.

You may not use splitmax if:

You are barred from using the Service under the laws of the United States or any other applicable jurisdiction
Your account has previously been terminated for violating these Terms
You are subject to U.S. economic sanctions or are located in a country embargoed by the U.S. government

4. Your Account

4.1 Anonymous use

You may use splitmax without creating an account. Your data will be stored locally on your device and on our servers tied to a randomly generated device identifier. Anonymous data is automatically deleted after 30 days unless you sign in.

4.2 Signed-in accounts

You may sign in using Sign in with Apple or Sign in with Google. By signing in, you agree to provide accurate, current, and complete information. You are responsible for keeping your sign-in credentials secure and for all activity that occurs under your account.

You agree to notify us immediately at support@splitmax.app if you suspect any unauthorized use of your account.

4.3 One account per person

You may not create or maintain multiple accounts to circumvent free tier limits or any other restriction.

5. Acceptable Use

You agree not to use splitmax to:

Violate any applicable law or regulation
Infringe anyone's intellectual property, privacy, or other rights
Upload or share content that is illegal, harmful, threatening, harassing, defamatory, obscene, or hateful
Engage in fraud, money laundering, or any deceptive practice
Send spam, phishing messages, or unsolicited communications via the share link feature
Reverse engineer, decompile, or attempt to extract source code from the Service
Use automated systems (bots, scrapers) to access the Service except for publicly documented APIs
Interfere with or disrupt the Service or its servers
Attempt to circumvent rate limits, free tier scan caps, or any security measure
Resell, sublicense, or commercially exploit the Service without our written permission
Use the Service to collect personal information from other users without their consent
Use share links to harass, intimidate, or coerce anyone into paying for items they did not order

We reserve the right to suspend or terminate your account at any time, with or without notice, if we believe you have violated these Terms.

6. User Content

6.1 Your content

You retain all ownership rights in the content you submit to splitmax (receipts you scan, items you enter, names of people you split with, etc.) — collectively, "Your Content".

6.2 License you grant us

By submitting Your Content, you grant splitmax a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, modify, and transmit Your Content solely for the purpose of operating and improving the Service. This license ends when you delete Your Content or your account, except where retention is required by law or for legitimate backup purposes (within the retention windows in our Privacy Policy).

We do not use Your Content to train AI models. We do not sell Your Content to anyone.

6.3 Content of others

When someone you invited (a "joiner") opens a share link and enters their name, payment handle, and item claims, that information is also stored on the group record. You acknowledge that joiners are voluntarily providing this information through the share link, and you will not use it for any purpose other than coordinating the bill split.

6.4 Content responsibility

You are solely responsible for Your Content. We do not endorse or guarantee the accuracy of any content submitted to the Service. AI-extracted receipt data may contain errors — always review and edit before sharing.

6.5 Prohibited Content

You will not submit to the Service any of the following categories of data:

Protected health information regulated under HIPAA or similar health data laws
Payment card numbers, banking information, or financial account credentials subject to PCI-DSS (we only store payment app handles like a Venmo username — never card or bank credentials)
Personal data relating to children under 13 (or under 16 where applicable law requires consent)
Government-issued identification numbers (SSN, passport numbers, driver license numbers, national ID)
Biometric, genetic, racial or ethnic origin, religious belief, sexual orientation, or union membership data
Any other data defined as "special category" or "sensitive" personal data under applicable privacy laws
Receipts or items that are illegal, fraudulent, or violate any law in your jurisdiction
Any content that infringes intellectual property, trademark, or privacy rights of others

splitmax has no obligation or liability relating to prohibited content submitted in violation of this section. You are solely responsible for the legal compliance of any content you submit.

6.6 Feedback license

If you submit ideas, suggestions, comments, or feedback about the Service ("Feedback"), you grant splitmax a non-exclusive, worldwide, perpetual, irrevocable, transferable, sublicensable, royalty-free license to use, modify, and exploit your Feedback without any restriction or obligation to you. We may use Feedback to improve splitmax without crediting or compensating you.

7. Payment Disclaimer — splitmax is NOT a payment processor

We want to be very clear: splitmax does not transfer money. splitmax does not hold money. splitmax does not have access to your bank account, credit card, or any payment instrument.

When you tap "Pay [scanner's name]" in the Service, splitmax opens a deep link in a third-party payment app (Venmo, Cash App, PayPal, or Zelle) with prefilled amount and note. The actual payment is governed by the third-party app's own terms of service. splitmax has no involvement in the transaction, no record of whether the payment succeeded, and no liability if the payment fails, is reversed, or is incorrect.

The "Mark as Paid" status in splitmax is self-attested — it reflects what the joiner says happened, not what actually happened. You should verify payments in your own payment app (Venmo, Cash App, etc.) before relying on splitmax's status.

splitmax is not a money transmitter under any U.S. state or federal law.

8. splitmax Pro Subscription

8.1 What Pro includes

splitmax Pro is an optional paid subscription that:

Removes ads in the App and on the joiner web page
Removes the 5-AI-scans-per-month limit (free tier users can still manually enter unlimited receipts)
Adds a small "Pro" badge next to your name in groups

8.2 Pricing and billing

splitmax Pro is $4.99 USD per year, billed annually through your Apple App Store or Google Play account at the time of purchase.

Subscriptions automatically renew unless you cancel at least 24 hours before the end of the current billing period. Renewals are processed by Apple or Google according to their respective terms.

8.3 Cancellation

You can cancel at any time:

iOS: Settings → [your name] → Subscriptions → splitmax → Cancel
Android: Google Play Store → Profile icon → Payments & subscriptions → Subscriptions → splitmax → Cancel

After cancellation, you will retain Pro access until the end of your current billing period, then your account will revert to the free tier.

8.4 Refunds

Refunds for Pro subscriptions are handled by Apple or Google directly under their respective refund policies. We do not process refunds. To request a refund:

iOS: https://reportaproblem.apple.com
Android: https://play.google.com/store/account

8.5 Price changes

We may change Pro pricing in the future. We will notify you at least 30 days in advance of any price increase, and you will have the option to cancel before the new price takes effect.

9. Free Tier Limits

The free tier of splitmax includes:

5 AI receipt scans per month (resets on the 1st of each month at 00:00 UTC)
Unlimited manual entry of receipts
Unlimited groups, participants, and saved crews
All splitting features
Banner advertisements in the App and on the joiner web page

If you exceed the free tier scan limit, you can either wait until the next monthly reset or upgrade to Pro.

10. Intellectual Property

10.1 Our IP

The Service, including its design, code, logos, brand name "splitmax", and all related materials, is owned by Splitmax (operated by an independent developer) and is protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes, subject to these Terms.

10.2 Trademark notice

"splitmax" and the splitmax wordmark/logo are trademarks of Splitmax (operated by an independent developer). All other trademarks (Venmo, Cash App, PayPal, Zelle, Apple, Google, etc.) are the property of their respective owners. Our use of these trademarks is for compatibility identification only and does not imply endorsement.

10.3 Feedback

If you submit ideas, suggestions, or feedback about the Service, you grant us a perpetual, irrevocable, royalty-free license to use that feedback without restriction or obligation to you.

11. Privacy

Your use of splitmax is subject to our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of information as described in the Privacy Policy.

11A. Artificial Intelligence Features

splitmax uses artificial intelligence (specifically, large language models served by Groq) to extract structured data from receipt OCR text. This includes parsing item names, prices, tax, tip, and total from the raw text our OCR captures.

AI output is informational only. splitmax does not guarantee the accuracy, completeness, or suitability of any AI-extracted data. You are responsible for reviewing and editing AI-extracted receipts before sharing them with others or relying on them for any payment.

We do not use Customer Content or personal data to train external AI models or third-party AI systems. Aggregated and anonymized usage patterns may be used to improve our internal product.

You are responsible for ensuring that AI output is not used as the sole basis for any decision that produces legal, financial, or similarly significant effects. Splitmax is a coordination tool, not a substitute for verifying actual payment status in your payment app of choice.

You may not use splitmax or any AI output from splitmax to build, train, or support a competing receipt-splitting or analytics product.

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the maximum extent permitted by law, splitmax disclaims all warranties, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
Warranties that the Service will be uninterrupted, error-free, secure, or free of viruses
Warranties that AI receipt extraction will be accurate
Warranties that payments processed via third-party payment apps will succeed
Warranties that any information obtained through the Service will be reliable or correct

You use splitmax at your own risk. Always verify receipt extraction, split calculations, and payment statuses before relying on them.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, in no event shall splitmax, its affiliates, officers, employees, agents, or licensors be liable for:

Any indirect, incidental, special, consequential, or punitive damages
Any loss of profits, revenue, data, business opportunity, or goodwill
Any damages arising from your use of or inability to use the Service
Any damages arising from third-party payment apps you use to pay or receive money
Any damages arising from inaccuracies in AI-extracted receipt data
Any damages arising from disputes between you and other users of the Service

Our total cumulative liability to you for any claims arising from your use of the Service shall not exceed the greater of (a) the amount you paid us in the 12 months before the claim arose, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so some of these limitations may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless splitmax, its affiliates, officers, employees, agents, and licensors from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

Your use of the Service
Your violation of these Terms
Your violation of any law or third-party right
Your User Content
Disputes with other users of the Service

15. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. You may terminate your account at any time by deleting it in Settings → Delete Account or by emailing support@splitmax.app.

Upon termination:

Your right to use the Service ends immediately
We will delete your account data within 30 days, except where retention is required by law
Provisions of these Terms that by their nature should survive termination (including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive

16. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of laws principles. Any legal action not subject to arbitration (see § 17) shall be brought exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction in those courts.

17. Dispute Resolution and Arbitration

17.1 Informal resolution first

Before filing any formal claim, you agree to first contact us at support@splitmax.app and attempt to resolve the dispute informally for at least 30 days.

17.2 Binding arbitration

If we cannot resolve the dispute informally, any dispute arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted in English, in Delaware (or by remote videoconference at your option).

The arbitrator's decision is final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

17.3 Class action waiver

You and splitmax agree that any dispute will be resolved on an individual basis only, and not as part of a class, collective, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against splitmax.

17.4 Exceptions

The following claims are exempt from the arbitration requirement and class action waiver:

Claims for injunctive or equitable relief to protect intellectual property rights
Claims that may be brought in small claims court (subject to that court's jurisdictional limits)
Claims by either party seeking a declaratory judgment on the scope of arbitration

17.5 Right to opt out

You have the right to opt out of the arbitration requirement and class action waiver by emailing support@splitmax.app with the subject "Arbitration Opt-Out" within 30 days of first accepting these Terms. Opting out will not adversely affect your relationship with splitmax in any way.

18. Apple App Store-Specific Terms (iOS Users)

If you downloaded splitmax from the Apple App Store, the following additional terms apply:

These Terms are between you and splitmax, not Apple. Apple is not responsible for the Service or its content.
Your license to use the App is limited to a non-transferable license to use the App on Apple-branded products that you own or control, as permitted by the Apple Media Services Terms and Conditions.
Apple has no obligation to provide maintenance or support services for the App.
In the event of any failure to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). Apple has no further warranty obligations.
splitmax (not Apple) is solely responsible for any product warranties, product liability claims, and intellectual property claims related to the App.
Apple and Apple's subsidiaries are third-party beneficiaries of these Terms and have the right to enforce these Terms against you.

19. Google Play-Specific Terms (Android Users)

If you downloaded splitmax from Google Play, you also agree to be bound by the Google Play Terms of Service. These splitmax Terms supplement those terms and do not modify them.

20. General Provisions

20.1 Entire agreement

These Terms, together with the Privacy Policy and any other legal notices we publish, constitute the entire agreement between you and splitmax regarding the Service.

20.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

20.3 No waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later.

20.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms without restriction.

20.5 Force majeure

We are not liable for any failure or delay in performing the Service due to events beyond our reasonable control, including natural disasters, war, terrorism, civil unrest, government actions, labor disputes, or internet/telecommunications failures.

20.6 Changes to Terms

We may update these Terms from time to time. When we make material changes, we will:

Update the "Last Updated" date at the top
Display a notice in the App on your next launch
Email signed-in users about significant changes

Your continued use of splitmax after we publish a new version means you accept the changes. If you do not agree, you can delete your account.

21. Contact Us

For questions about these Terms, please contact:

Email: support@splitmax.app
Subject lines that get faster routing:
- "Terms Question"
- "Account Issue"
- "Arbitration Opt-Out"

This is the splitmax Terms of Service as of the Last Updated date above. The current version is always at https://splitmax.app/terms. See also our Privacy Policy.