Terms of Service

Last updated: 2026-06-16

Draft template - legal review required before publication.

These Terms of Service ("Terms") govern your access to and use of Split Ninja at splitninja.app and related API services (the "Service"). The Service is provided by SplitNinja App Ltd ("we", "us", or "our").

By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Service Provider

• Legal name: SplitNinja App Ltd
• Registered address: Ukraine, Kyiv
• Support contact: splitninja.app@gmail.com

2. What Split Ninja Does

Split Ninja helps registered users manage shared expenses for groups, quick tabs, trips, households, events, and similar shared spending.

The Service can help users:

• Create groups and quick tabs.
• Add registered users as members.
• Create invite links.
• Record expenses and split shares.
• Review balances calculated from stored records.
• Record settlement events.
• Keep audit records for money-impacting events.
• Manage approval-aware expense workflows where enabled.

3. What Split Ninja Does Not Do

Split Ninja is not:

• A bank.
• A payment institution.
• A money transmitter.
• An escrow provider.
• A debt collector.
• A tax, legal, accounting, or financial adviser.
• A payment processor.

Settlement records in Split Ninja are records entered by users. They do not transfer money. Users are responsible for making any real-world payments outside the Service and for confirming that recorded settlements are accurate.

4. Eligibility

You must be legally able to enter into these Terms. If you use the Service as a consumer in the EU/EEA, mandatory consumer protection rights in your country of residence still apply.

The Service is not intended for children under 16 unless a lower age is permitted by local law and valid parental consent is obtained where required.

5. Accounts and Security

You must provide accurate account information and keep it up to date.

You are responsible for:

• Keeping your login credentials secure.
• Not sharing access tokens, refresh cookies, invite links, or password reset links with unauthorized people.
• All activity under your account unless caused by our breach of these Terms or applicable law.

Notify us at splitninja.app@gmail.com if you suspect unauthorized access.

6. Groups, Quick Tabs, Members, and Invite Links

Group and quick-tab data is shared with authorized members of the relevant group or quick tab.

Owners, admins, and other authorized members may be able to invite users, add members, remove members, create expenses, approve or reject expenses, record settlements, or close resources depending on the product rules.

Invite links may allow other registered users to join a group or quick tab. Only share invite links with people who should have access. We may revoke or expire invite links for security, misuse, or product reasons.

7. User Content and Accuracy

"User Content" means data you or other users enter into the Service, including names, descriptions, notes, comments, expenses, shares, approvals, settlements, and related metadata.

You are responsible for your User Content and for making sure expense, share, settlement, currency, and member information is accurate.

You must not enter content that is unlawful, misleading, abusive, privacy-invasive, or that you do not have the right to share.

Do not enter sensitive personal data unless it is necessary for the shared expense record and you have the right to share it.

8. Financial Records and Audit Trail

Split Ninja stores money amounts as integer minor currency units and records currency codes to support consistent calculations.

Money-impacting records may be locked, retained, or preserved to maintain ledger integrity, auditability, and the rights of other group or quick-tab members.

Some records may be editable before approval or settlement progress. Once a record is approved, settled, voided, or otherwise locked under product rules, destructive edits may be restricted or unavailable.

Balances are calculated from records in the Service. You should review them before making real-world payments.

9. Acceptable Use

You must not:

• Use the Service for unlawful, fraudulent, deceptive, abusive, or harmful activity.
• Harass, threaten, impersonate, or dox another person.
• Upload or enter illegal content.
• Violate privacy, intellectual property, or other rights.
• Try to bypass authentication, authorization, rate limits, validation, or security controls.
• Access another user's account or data without permission.
• Scrape, crawl, overload, disrupt, reverse engineer, or attack the Service, except where permitted by law.
• Use the Service to process payment card data, bank credentials, identity documents, or special-category personal data unless we explicitly support that use.

10. Illegal Content, Reports, and Moderation

If you believe content in the Service is illegal or violates these Terms, contact splitninja.app@gmail.com with enough information for us to review the report.

We may remove, restrict, disable, or preserve content; revoke invite links; suspend accounts; or take other reasonable action where we believe it is necessary to comply with law, protect users, protect the Service, or enforce these Terms.

Where required by law, we will provide reasons and available appeal or review options for moderation decisions.

11. Privacy

Our processing of personal data is described in the Privacy Policy: [Privacy Policy URL].

The Privacy Policy explains what data we process, why we process it, how shared records are visible to other members, and how to exercise privacy rights.

12. Fees and Paid Features

The current Service is free of charge.

If paid features are added, the applicable price, taxes, billing period, renewal terms, cancellation terms, and any EU consumer withdrawal information will be shown before purchase where required.

Nothing in these Terms limits mandatory consumer rights.

13. Intellectual Property

We and our licensors own the Service, including software, design, trademarks, documentation, and other protected materials.

You retain ownership of your User Content. You grant us a non-exclusive, worldwide license to host, process, store, transmit, display, and share your User Content only as needed to provide, secure, maintain, improve, and support the Service and as otherwise allowed by these Terms and our Privacy Policy.

You must have the rights needed to provide User Content to the Service.

14. Service Changes and Availability

We may change, suspend, or discontinue parts of the Service. We aim to provide a reliable Service, but we do not guarantee uninterrupted or error-free availability.

We may perform maintenance, apply security updates, or change features to improve reliability, comply with law, or protect users.

15. Account Closure and Termination

You may stop using the Service at any time. Account deletion or export features, if available, will be described in the product or support documentation.

We may suspend or terminate access if:

• You breach these Terms.
• Your use creates security, legal, or operational risk.
• We are required to do so by law.
• The Service is discontinued.

After account closure, shared financial records may remain visible to other authorized members where needed for ledger integrity, auditability, legal claims, or their own records. We may delete, minimize, anonymize, or restrict personal identifiers where practical.

16. Disclaimers

The Service is provided on an "as is" and "as available" basis to the extent permitted by law.

We do not guarantee that:

• User-entered expense or settlement data is accurate.
• Calculated balances match external agreements between users.
• A settlement record means money was actually paid.
• The Service will meet every tax, accounting, financial, or legal requirement.

You should independently verify important financial records before relying on them.

17. Liability

To the extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, goodwill, or business opportunity.

Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for intent, gross negligence where applicable, death or personal injury caused by negligence, fraud, or mandatory consumer rights.

18. Consumer Rights

If you are a consumer in the EU/EEA, these Terms do not limit mandatory rights under your local consumer protection law.

Before any paid digital service or digital content purchase is introduced, the client flow must provide required pre-contract information, cancellation or withdrawal information where applicable, total price, subscription renewal terms, and trader identity details.

19. Governing Law and Disputes

These Terms are governed by the laws of governing law, except where mandatory consumer law in your country of residence gives you additional protection.

Courts and competent authorities will be determined under applicable law. If you are an EU/EEA consumer, you may also have rights to bring claims in your country of residence.

Before starting formal proceedings, please contact splitninja.app@gmail.com so we can try to resolve the issue.

20. Changes to These Terms

We may update these Terms when the Service, law, or business model changes.

If changes are material, we will provide reasonable notice where required. Continued use after the effective date means you accept the updated Terms, except where law requires a different process.

21. Publication Checklist

Before publication, replace all placeholders and confirm:

• Legal entity, trader identity, registered address, and contact details.
• Whether the Service is free, paid, or freemium.
• Governing law and competent courts.
• Consumer cancellation and withdrawal flow if paid features are added.
• DSA-style reporting and appeal process if user-generated content moderation obligations apply.
• Whether account deletion, export, and support workflows match these Terms.
• Whether the client links to the Privacy Policy and any cookie notice.