These Terms of Service ("Terms") govern your access to and use of the SplitChey platform, including our website, mobile applications, APIs, and all related services (collectively, the "Service"). The Service is operated by SplitChey Private Limited ("Company," "we," "us," or "our"), a company incorporated under the Companies Act, 2013, having its registered office at 54-18-23A, Revenue Ward 3, Vijayawada Municipal Corp, Vj Polytechnic, Vijayawada (Urban), Krishna, Andhra Pradesh, 520008, India (CIN: U62011AP2026PTC127531).

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

1. Acceptance of Terms

By creating an account, accessing, or using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms, policies, or guidelines referenced herein, all of which are incorporated by reference. If you are using the Service on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.

2. Eligibility

The Service is intended for individuals who are at least eighteen (18) years of age and have the legal capacity to enter into a binding agreement. If you are between thirteen (13) and eighteen (18) years of age, you may only use the Service with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms. The Service is not directed to individuals under the age of thirteen (13), and we do not knowingly collect personal information from such individuals.

By using the Service, you represent and warrant that you meet the foregoing eligibility requirements. We reserve the right to suspend or terminate your account if we determine, in our sole discretion, that you do not meet these requirements.

3. Account Registration and Security

To access certain features of the Service, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain and promptly update your account information to keep it accurate and complete.
• Maintain the security and confidentiality of your login credentials and not share your account with any other person or allow others to access your account.
• Accept responsibility for all activities that occur under your account and notify us immediately of any unauthorised use or suspected breach of security.
• Ensure that you log out of your account at the end of each session, particularly when using a shared or public device.

We reserve the right to suspend or deactivate your account at any time, with or without notice, if we reasonably believe that your account information is inaccurate, that your account has been compromised, or that you have violated any provision of these Terms.

4. Description of Service

SplitChey is a financial technology platform that provides the following core services:

• Expense Tracking: Record, categorise, and analyse personal and group expenses with detailed reporting and insights.
• Bill Splitting: Split bills and expenses equally, by percentage, by exact amounts, or using custom split rules among individuals and groups.
• Group Finances: Create and manage group wallets for shared expenses, travel, events, households, or any collaborative financial arrangement.
• Digital Wallets: Maintain digital wallets for topping up funds, sending and receiving money, and settling balances with other users.
• Business Invoicing: Generate, send, and manage invoices for freelancers, small businesses, and enterprises with payment tracking and reminders.

We reserve the right to modify, suspend, or discontinue any part of the Service, in whole or in part, at any time without prior notice. We will not be liable for any modification, suspension, or discontinuation of the Service.

5. User Responsibilities and Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are solely responsible for:

• Ensuring that all transactions, expenses, and financial data you enter into the Service are accurate and lawful.
• Complying with all applicable local, state, national, and international laws, rules, and regulations in connection with your use of the Service.
• Maintaining the accuracy and integrity of financial data and invoices generated through the Service.
• Ensuring that any goods or services invoiced through the Service comply with applicable tax laws, including the Goods and Services Tax (GST) Act, 2017, and the Income Tax Act, 1961, as applicable.
• Maintaining the confidentiality of your account credentials and financial information.

6. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using the Service for any unlawful purpose, including but not limited to money laundering, fraud, terrorist financing, or any activity that violates applicable laws.
• Creating fictitious expenses, invoices, or transactions for the purpose of deception or fraud.
• Attempting to circumvent any security features, access controls, or usage limitations of the Service.
• Using automated scripts, bots, crawlers, or other automated means to access or interact with the Service without our express written permission.
• Interfering with or disrupting the Service, servers, or networks connected to the Service.
• Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with any person or entity.
• Collecting or storing personal data of other users without their express consent.
• Reverse engineering, decompiling, or disassembling any part of the Service or its underlying technology.
• Using the Service to compete with or develop a competing product or service.
• Sharing your account credentials with any third party or allowing any third party to access your account.

We reserve the right to investigate and take appropriate action against any user who engages in prohibited activities, including but not limited to suspending or terminating your account and reporting the matter to law enforcement authorities.

7. Payment Terms

7.1 Subscription Plans

The Service offers the following subscription tiers:

• Free Tier: Provides access to core features of the Service subject to usage limitations and feature restrictions as described on our pricing page.
• Pro Plan: A paid subscription that unlocks additional features, higher usage limits, and priority support. Billed on a recurring monthly or annual basis as selected at the time of purchase.
• Premium Plan: The highest tier of service, offering all features available on the Pro Plan along with advanced analytics, team management tools, API access, and dedicated support. Billed on a recurring monthly or annual basis as selected at the time of purchase.

7.2 Billing and Payment

• All payments are processed through our third-party payment processors. By providing payment information, you authorise us to charge the applicable subscription fees to your designated payment method.
• Subscription fees are inclusive of all applicable taxes unless otherwise stated. Where applicable, Goods and Services Tax (GST) and other levies will be charged in accordance with Indian tax laws.
• All fees are non-refundable except as expressly set out in Section 8 of these Terms or as required by applicable law.
• We reserve the right to change our pricing at any time. We will provide you with reasonable prior notice of any price changes. Price changes will take effect at the start of your next billing cycle after the notice period.
• If a payment fails or your account is past due, we may suspend or restrict your access to paid features until payment is received.

7.3 Cancellation

• You may cancel your subscription at any time through your account settings or by contacting our support team.
• Cancellation will take effect at the end of the current billing period. You will retain access to paid features until the end of the paid period.
• We do not provide partial refunds or credits for any unused portion of a subscription period, except as required by applicable law.

8. Refund Policy

Refunds for subscription payments are handled in accordance with our Refund Policy. For detailed information about refund eligibility, processes, and timelines, please refer to our Refund Policy page.

9. Intellectual Property Rights

The Service and all content, features, functionality, and underlying technology — including but not limited to software, text, graphics, logos, icons, images, audio and video clips, data compilations, and the design, selection, and arrangement thereof — are owned by SplitChey Private Limited or its licensors and are protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal or internal business purposes. This licence does not include any right to:

• Modify, reproduce, distribute, or create derivative works of the Service.
• Use any data mining, scraping, or similar data gathering or extraction methods on the Service.
• Reverse engineer or attempt to extract the source code of any part of the Service.
• Use the Service for any commercial purpose not expressly permitted by these Terms.

10. User-Generated Content

The Service may allow you to create, submit, post, display, or otherwise make available content, including but not limited to expenses, invoices, comments, notes, and other materials ("User Content"). You retain ownership of any intellectual property rights you hold in your User Content.

By creating or submitting User Content through the Service, you grant SplitChey Private Limited a worldwide, non-exclusive, royalty-free, sublicensable, and transferable licence to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content solely for the purpose of operating, improving, and providing the Service.

You represent and warrant that: (a) you own or have the necessary rights, licences, consents, and permissions to grant the foregoing licence; (b) your User Content does not violate any applicable law or regulation; and (c) your User Content does not infringe or misappropriate the intellectual property rights of any third party.

We reserve the right, but have no obligation, to monitor, review, edit, or remove any User Content at our sole discretion, for any reason or no reason, without notice.

11. Digital Wallet Terms

11.1 Wallet Top-Ups

Digital wallets within the Service may be topped up using payment methods supported by our payment processors. All top-ups are subject to the terms and conditions of the applicable payment processor and your financial institution.

• The minimum and maximum top-up amounts are as specified in the Service and may change from time to time.
• Top-ups are processed promptly but may be subject to delays beyond our control. We are not responsible for any delays caused by your bank, payment processor, or other third-party service providers.
• All wallet balances are denominated in Indian Rupees (INR) unless otherwise specified.

11.2 Settlements

Users may settle outstanding balances within groups or with other users through the digital wallet. Settlements are executed between the relevant parties and are subject to:

• Verification of both parties' account standing and wallet balance.
• Processing by our payment infrastructure partners, which may involve additional verification and compliance checks.
• Compliance with applicable anti-money laundering (AML) and know-your-customer (KYC) regulations as required by the Reserve Bank of India (RBI) and other relevant authorities.

11.3 Limitations

• Digital wallets are not bank accounts. Wallet balances are not insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) or any other government insurance scheme.
• We do not pay interest on wallet balances. Any interest earned on pooled wallet funds is retained by us.
• We reserve the right to impose or modify transaction limits, including daily, monthly, and per-transaction limits, to comply with regulatory requirements and manage risk.
• We may impose holds, restrictions, or delays on wallet transactions as necessary to comply with legal obligations, resolve disputes, or prevent fraudulent activity.

12. Third-Party Integrations

The Service may integrate with or provide access to third-party services, including payment processors, banking partners, accounting platforms, and other financial technology providers. Your use of such third-party services is subject to their respective terms of service and privacy policies, which are separate from and independent of these Terms.

We do not control and are not responsible for the practices, content, or availability of any third-party services. We make no warranties or representations regarding the accuracy, reliability, or completeness of information provided by third-party services. Your interactions with third-party services are solely between you and the applicable third party.

13. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by applicable law, SplitChey Private Limited expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limiting the foregoing, we do not warrant that: (a) the Service will be uninterrupted, timely, secure, or error-free; (b) the results obtained from the use of the Service will be accurate or reliable; (c) the quality of any products, services, information, or other material obtained through the Service will meet your expectations; or (d) any errors in the Service will be corrected.

Financial information displayed through the Service is provided for informational purposes only and does not constitute financial, legal, or tax advice. You should consult qualified professionals before making financial decisions based on information obtained through the Service.

14. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall SplitChey Private Limited, its directors, officers, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with:

• Your access to or use of (or inability to access or use) the Service.
• Any conduct or content of any third party on the Service.
• Any content obtained from the Service.
• Unauthorised access, use, or alteration of your transmissions, data, or content.
• Errors, omissions, or inaccuracies in any financial data, invoices, or reports generated through the Service.

In no event shall our total aggregate liability exceed the greater of (a) the amount paid by you to SplitChey Private Limited during the twelve (12) months immediately preceding the event giving rise to the liability, or (b) one thousand Indian Rupees (INR 1,000).

15. Indemnification

You agree to indemnify, defend, and hold harmless SplitChey Private Limited and its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, 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 applicable law, regulation, or third-party right.
• Any User Content you create, submit, or make available through the Service.
• Any transactions, invoices, or financial data you create or manage through the Service.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be subject to the exclusive jurisdiction of the courts at Vijayawada, Andhra Pradesh, India.

Before initiating any legal proceedings, you agree to first attempt to resolve any dispute informally by contacting us at support@splitchey.com. We will attempt to resolve the dispute within sixty (60) days of receiving your notice. If the dispute cannot be resolved informally within this period, either party may proceed with formal proceedings.

17. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, and with or without notice. Grounds for termination include, but are not limited to:

• Violation of any provision of these Terms.
• Engagement in prohibited activities as described in Section 6.
• Failure to pay applicable fees after due notice.
• Conduct that we reasonably believe is harmful to other users, the Company, or third parties.
• Requests by law enforcement or other government agencies.

Upon termination, your right to use the Service ceases immediately. We will make your data available for export for a period of thirty (30) days following termination, after which we may delete your data in accordance with our data retention policies. Termination does not limit any of our other rights or remedies at law or in equity.

18. Changes to Terms

We reserve the right to modify these Terms at any time. When we make material changes to these Terms, we will notify you by email (if you have provided an email address) or by posting a prominent notice on our website prior to the changes taking effect. Your continued use of the Service after such changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically for any updates or changes. The "Last updated" date at the top of this page indicates when these Terms were last revised.

19. Contact Information

If you have any questions, concerns, or complaints regarding these Terms or the Service, please contact us at: