SplitMate Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your download, installation, access, and use of the SplitMate mobile application ("App") and associated web properties provided by Fyndra Labs ("we", "us", or "our").

By creating an account or accessing SplitMate, you agree to comply with these Terms and our Privacy Policy. If you do not agree, you must discontinue using the App immediately.

2. Eligibility & Account Registration

You must be at least 13 years of age (or 16 in certain jurisdictions) to create an account or use SplitMate. By registering an account via Firebase Authentication, you represent and warrant that:

• You possess the legal capacity to enter into binding contracts.
• All profile information submitted (Name, Email, Phone Number) is accurate, current, and complete.
• You are responsible for safeguarding your account login credentials.
• You will immediately notify Fyndra Labs of any unauthorized access to your account.

3. User Responsibilities, Group Expenses & Settlement Integrity

SplitMate serves as a platform for users to calculate, log, and split shared expenses across groups.

• Accuracy of Expenses: You are solely responsible for verifying bill titles, amounts, split ratios, and currencies entered into group logs.
• Settlement Responsibility: Actual monetary settlements (e.g., cash, bank transfers, or third-party payment apps) occur outside of SplitMate between group members. You are solely responsible for completing debts owed to group members.
• Group Invitations: You must only invite individuals to groups with their consent.

4. No Financial Services Disclaimer

5. Prohibited Conduct

When using SplitMate, you agree NOT to:

• Input false, fraudulent, misleading, or fictitious expense records.
• Upload abusive, defamatory, illegal, explicit, or infringing receipt images or media.
• Attempt to reverse engineer, decompile, or tamper with the App binary or source code.
• Interfere with or compromise the security of our cloud infrastructure (Firebase) or diagnostic tools (Sentry).
• Harass, stalk, or send spam invitations to other users.
• Violate any applicable local, state, national, or international laws.

6. Intellectual Property Rights

The SplitMate software, UI designs, code, logos, trademarks, and documentation are the exclusive intellectual property of Fyndra Labs. We grant you a limited, non-exclusive, non-transferable, revocable license to use SplitMate for personal, non-commercial purposes.

7. Third-Party Services

SplitMate integrates third-party cloud infrastructure, including Google Firebase (Auth, Firestore, Storage, FCM), Expo, and Sentry. Your use of the App is subject to these providers' respective terms and privacy policies. Fyndra Labs is not responsible for outages or performance disruptions caused by third-party infrastructure.

8. Service Availability & Account Suspension

We strive to maintain continuous service availability, but we do not guarantee uninterrupted uptime. Fyndra Labs reserves the right to modify, suspend, or terminate accounts or app features without notice if we detect violations of these Terms, abusive activity, or security vulnerabilities.

You may delete your account at any time via in-app settings or through our Account Deletion Page.

9. Disclaimer of Warranties

SPLITMATE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FYNDRA LABS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT CALCULATIONS WILL BE ENTIRELY ERROR-FREE OR THAT THE APP WILL BE FREE FROM MALWARE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FYNDRA LABS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING FROM YOUR ACCESS TO OR USE OF SPLITMATE.

11. Changes to Terms & Contact Information

We reserve the right to modify these Terms at any time. We will notify users of material revisions by updating the "Effective Date" above. Continued use of SplitMate following updates constitutes acceptance of revised Terms.

For questions or legal notices regarding these Terms, contact: