SplitThat Terms of Service
Effective date: August 8, 2026
These Terms are an agreement between you and Inyeon LLC, a New York limited liability company ("Inyeon," "we," "us"), covering your use of the SplitThat app and service (the "App"). By creating an account or using the App, you agree to them. If you do not agree, do not use the App.
These Terms are separate from the Inyeon business platform's Terms of Service, which govern a different, business-only service.
1. The most important thing: SplitThat does not move money
SplitThat is a record-keeping and calculation tool. It is not a payment service, a money transmitter, a bank, or an escrow agent. We never hold, transfer, or take custody of your funds.
When the App shows that one person owes another, that is our arithmetic on the information you entered — not a debt we are party to, guarantee, or collect. When you tap a payment button, the App hands you off to Zelle, Cash App, or Venmo with the amount prefilled. That payment happens entirely inside that third party's app, under that third party's terms, and we have no visibility into whether it succeeded. Marking a settlement as paid inside SplitThat records what you told us; it does not verify that money moved.
Disputes about money between you and the people you split with are between you and them.
2. Eligibility
You must be at least 13 years old to use the App, and old enough to form a binding contract where you live. If you are under the age of majority, you may use the App only with a parent or guardian's permission and involvement.
3. Your account
Keep your credentials to yourself and tell us at team@inyeon.dev if you think someone else has access. You are responsible for activity under your account. Give us accurate information — a phone number or email that is not yours will attach your bill to a stranger.
4. Accuracy, and what the AI does and does not do
The receipt scanner uses an AI model to read a photo. It gets things wrong. Prices are misread, items are merged, tax is mistaken for tip. The App exists to make correcting that easy, and it will not let you confirm an expense whose parts do not add up to its total unless you deliberately override the check.
You are responsible for reviewing an expense before you confirm it, and for the amounts you ask other people to pay. We provide the arithmetic; you provide the judgment. We do not warrant that any extracted line item, total, tax, tip, or balance is correct.
5. Acceptable use
Do not:
- Use the App to defraud anyone, to collect money you are not owed, or to harass someone through invites or notifications.
- Upload content that is illegal, that infringes someone's rights, or that contains someone else's payment card or account credentials.
- Add people to groups or expenses who have not agreed to be there.
- Probe, scrape, reverse engineer, overload, or bypass rate limits, authentication, or access controls.
- Resell or redistribute the App, or use it to build a competing service.
We may suspend or close an account that does these things.
6. Your content
The receipts, expenses, names, and notes you put into the App remain yours. You grant us a limited, worldwide, royalty-free license to host, store, transmit, encrypt, display to the people you shared them with, and process them — including sending receipt images to our AI provider as described in the Privacy Policy — solely to operate and improve the App for you. This license ends when the content is deleted, except where the content is also another participant's record of a shared expense, which is explained in the Privacy Policy.
You confirm you have the right to upload what you upload.
7. Free and paid plans
The App is free to use, with a monthly limit on AI receipt scans. A Pro plan lifts that limit; a trial may be offered once.
Pro is sold through the Apple App Store and Google Play. That store handles the transaction, the renewal, and the refund, under its own terms, and you manage or cancel the subscription in your store account. We receive the store's receipt or purchase token to verify the purchase and unlock the plan; we never receive your payment card details. Cancelling stops the next renewal; it does not refund the current period unless the store's policy says otherwise. Prices may change on notice, and a change never applies to a period you have already paid for.
Nothing in the App is a promise that a paid feature will exist forever. If we discontinue a paid feature, we will refund the unused portion of a prepaid period.
8. Availability and changes
We may change, suspend, or discontinue any part of the App. We aim to give notice of anything material. The App is not guaranteed to be available at all times, and features that depend on third parties — sign-in providers, SMS delivery, push notifications, AI extraction — can fail independently of us.
9. Ending it
You may stop using the App and delete your account at any time (see the Privacy Policy, Section 9). We may suspend or terminate your access if you materially breach these Terms, or if we are required to. Sections 1, 4, 6, and 10 through 14 survive termination.
10. Disclaimers
The App is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the App will be uninterrupted, secure, error-free, or that any calculation, scan result, or balance is accurate.
Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.
11. Limitation of liability
To the fullest extent permitted by law, Inyeon is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or amounts you failed to collect from or overpaid to another person.
Our total liability arising out of or relating to the App will not exceed the greater of (a) the amount you paid us for the App in the twelve months before the claim, or (b) fifty US dollars.
Some jurisdictions do not allow these limitations, so they may not apply to you.
12. Indemnity
You will indemnify and hold Inyeon harmless from claims and costs arising out of your content, your use of the App, your breach of these Terms, or a dispute between you and someone you split a bill with.
13. Governing law and disputes
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules.
Talk to us first. Before filing anything, email team@inyeon.dev with a description of the problem and what you want. We will try in good faith to resolve it within 30 days.
If that fails, the state and federal courts located in New York County, New York have exclusive jurisdiction, and both of us consent to venue there. You may still bring an individual claim in a small claims court that has jurisdiction over you. Nothing here waives any right you have under the mandatory consumer protection law of the place you live.
14. General
These Terms, together with the Privacy Policy, are the whole agreement between us about the App. If a provision is unenforceable, the rest stays in force. Our not enforcing something is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger or sale of the business.
We may update these Terms. We will change the effective date above, and for material changes we will notify you in the App before they take effect. Continuing to use the App after that means you accept the new Terms.
15. Contact
Inyeon LLC — team@inyeon.dev