Splismart AI Split — Terms and Conditions

Effective Date: October 22, 2026

1. Introduction

Welcome to Splismart AI Split (“Splismart,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of the Splismart AI Split mobile application (the “App”).

By downloading, accessing, or using the App, you agree to these Terms. If you do not agree, you must not use the App.

2. Description of the Service

Splismart helps users divide restaurant bills and other receipts among multiple people. The App allows users to:

• Photograph or upload a receipt.

• Use artificial intelligence to identify receipt items and their prices.

• Assign individual items to the people who consumed them.

• Divide shared items among selected participants or all participants.

• Calculate the amount each participant owes based on the selected items and sharing arrangements.

Splismart is a calculation and organizational tool. It does not process payments between participants, transfer money, or guarantee that a calculated amount represents the final amount owed.

3. Eligibility and Acceptable Use

You may use the App only in compliance with applicable laws and these Terms.

You agree not to:

• Use the App for unlawful, fraudulent, or misleading purposes.

• Attempt to interfere with the App's operation, security, or availability.

• Reverse engineer, copy, or exploit the App except where permitted by applicable law.

• Use the App in a way that infringes another person's rights.

• Submit content that you are not authorized to photograph, upload, or process.

You are responsible for ensuring that you have permission to submit any receipt or other content you provide to the App.

4. Artificial Intelligence and Calculation Accuracy

The App uses artificial intelligence to interpret receipt images and extract information such as item names and prices.

AI-generated results may contain errors, omissions, or misinterpretations. Receipt images may be unclear, handwritten, damaged, or formatted in ways that affect recognition accuracy. Receipts written in different languages may also affect the accuracy of AI-powered receipt recognition, particularly when the language or terminology is not fully supported.

You are responsible for reviewing and correcting extracted information, checking item assignments and shared expenses, and verifying the final calculations before relying on them.

Splismart does not guarantee that every receipt will be interpreted correctly or that every calculated split will reflect the parties' intended arrangement.

The App does not provide financial, legal, tax, or accounting advice.

5. Subscriptions and Payment

5.1 Subscription Required

Access to the App's functionality requires an active subscription or an applicable free trial. Available subscription plans, prices, and terms are displayed in the App before purchase.

5.2 Billing

Subscriptions are purchased through the applicable Apple App Store or other platform through which the App is offered. Payments are processed by that platform, not directly by Splismart.

The price, currency, billing period, and applicable taxes will be presented during the purchase process.

5.3 Automatic Renewal

Subscriptions automatically renew at the end of each subscription period unless canceled before renewal. Your account will be charged the applicable renewal price through your platform account.

You can manage or cancel your subscription through your Apple Account subscription settings or the relevant platform's subscription management settings.

To avoid renewal, cancel at least 24 hours before the end of the current subscription period, or earlier if your platform's terms require it.

Deleting the App does not automatically cancel your subscription.

5.4 Free Trials

Certain subscription plans may include a free trial. The availability and duration of any trial will be displayed before you subscribe.

When a free trial ends, your subscription may automatically convert to a paid subscription at the price disclosed at signup unless you cancel before the trial ends in accordance with the platform's cancellation requirements.

If a trial is offered, review its duration, conversion price, and renewal terms before confirming your subscription.

5.5 Price Changes

Subscription prices may change from time to time. Any applicable notice, consent, or other requirements for price changes will be handled in accordance with the relevant platform's policies and applicable law.

5.6 Refunds

Refunds for purchases made through the Apple App Store or another platform are subject to that platform's refund procedures and applicable law. We do not guarantee that a refund will be granted.

You may need to submit refund requests directly to the platform through which you purchased the subscription.

6. Third-Party Services

The App relies on third-party services to provide certain functionality, including:

• OpenAI: Receipt images may be transmitted to OpenAI's API for AI-powered receipt recognition.

• RevenueCat: Subscription-related information is processed through RevenueCat to support subscription management.

Your use of the App may therefore involve the processing of information by these providers under their applicable terms and privacy practices.

We do not control all aspects of third-party services and are not responsible for interruptions or changes originating from those services, subject to applicable law.

For further information about information handling, please review our Privacy Policy.

7. Data Handling and Privacy

Splismart is designed to process receipt information for the purpose of calculating bill splits. Receipt images and extracted information are not retained by Splismart after the splitting process is completed.

Receipt images are transmitted to OpenAI for processing. OpenAI's handling and retention of API data are governed by its applicable policies and settings.

RevenueCat processes relevant subscription information to support purchases and subscription management.

For more information about personal information, third-party processing, and your privacy rights, please consult our Privacy Policy:

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8. Intellectual Property

The App, including its software, design, branding, and associated content, is owned by or licensed to Splismart and is protected by applicable intellectual property laws.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the App for its intended purpose.

You may not reproduce, distribute, modify, sell, or commercially exploit the App or its protected content without authorization, except where permitted by law.

You retain any rights you have in content you submit, subject to the permissions necessary to operate the App and provide its features.

9. Availability and Changes

We may update, modify, suspend, or discontinue parts of the App to improve functionality, maintain security, address technical issues, or comply with legal requirements.

We do not guarantee uninterrupted availability or that the App will remain compatible with every device or operating system version.

Where required by applicable law, we will provide notice or obtain consent before making material changes.

10. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the App is provided on an “as is” and “as available” basis.

We do not warrant that the App will always be available, error-free, secure, or accurate, or that AI-generated results will be complete or correct.

Nothing in these Terms excludes or limits any warranty or consumer right that cannot lawfully be excluded or limited.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Splismart will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, goodwill, or other intangible losses arising from your use of or inability to use the App.

This includes losses arising from inaccurate receipt recognition, incorrect item assignments, or calculations that you have not independently checked.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

12. Termination

You may stop using the App at any time.

We may suspend or terminate access to the App where reasonably necessary to address misuse, security risks, violations of these Terms, or legal requirements, subject to applicable law.

Termination of access does not automatically cancel an active subscription. You must manage or cancel your subscription through the relevant platform.

Provisions that by their nature should survive termination will continue to apply.

13. Changes to These Terms

We may update these Terms from time to time. The revised version will be published with an updated effective date.

Where required by applicable law, we will provide notice of material changes or obtain your consent. Continued use of the App after changes take effect constitutes acceptance only to the extent permitted by applicable law.

14. Governing Law

These Terms are subject to the laws applicable to the operator of Splismart and the user's rights under applicable consumer protection laws.

Nothing in this section deprives consumers of mandatory rights or protections afforded by the laws that apply to them.

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