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Terms of Use

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These are the terms for using Splitmate. “We” means Quizuncle, the indie studio behind it; “you” means whoever is using the app. They are short on purpose, and everything in them is something we actually intend to hold to.

1. Acceptance

By installing or using Splitmate you agree to these terms. If you do not agree with them, please do not use the app.

You must be 18 or over to use Splitmate. It is not for children, it is not directed at them, and a person under 18 should not create a group, join one, or put their name, picture or messages into it. See the privacy policy.

2. What you may do

Splitmate is free of charge. We grant you a personal, non-exclusive, non-transferable licence to install and use it on devices you control, for your own personal use. There is nothing to buy, nothing to unlock, and no code in the app that could take a payment for anything.

The app’s source code is private and is not licensed to you. Please do not redistribute the app, distribute modified builds of it, or reverse-engineer it, except to the extent the law gives you that right whatever this clause says.

3. Splitmate is a record, not a payment system

No money ever moves through Splitmate. The app records what the people in a group entered about what they spent, and what they entered about paying each other back. It does not move a single rupee, and it has no way to.

Settling up writes a row: who paid whom, how much, on what date, and which method was chosen. Cash, UPI and Other are the three method labels available on that row, and to the app all three mean exactly the same thing — a note describing a payment that already happened somewhere else, in cash, in your bank’s own app, or wherever you actually settled it.

To leave no room for a hopeful reading: Splitmate does not start a payment, does not check that a payment happened, does not hold your money, and does not guarantee that anybody will pay anybody. It is not a payment service, not a wallet, not an escrow arrangement and not a lender. It is not regulated as any of those things because it is none of them. There is no card on file, no bank connection, and no code in the app that could take or send money.

The Remind button works the same way, one step earlier: it composes a message and hands it to your Android share sheet, so whether it is ever sent, and by which app, is entirely up to you. Splitmate sends nothing on your behalf.

If a payment goes wrong — it never arrives, it arrives twice, it goes to the wrong person — that is between you, the person you paid, and whoever actually carried the payment. We are not a party to it and cannot reverse it, because we were never in it.

4. The numbers are arithmetic on what you typed

Balances, the amount each person owes, the settle-up suggestions and every total in the app are calculated from what the members of that group entered. If somebody typed the wrong amount, picked the wrong payer, split a bill the wrong way, or forgot to add an expense entirely, the numbers will be confidently wrong in exactly that way, and the app has no way of knowing.

Splitmate is a convenience for keeping track. It is not financial, tax, accounting or legal advice, and a figure it shows is not a statement of a debt that anyone has verified. A disagreement about who owes what is between the members of the group. Please check the numbers before you act on them.

5. An invite code is the key to the group

Anyone holding a group’s eight-character invite code can join that group and read its whole history — every expense, every settlement, every member’s name and picture, and the entire chat thread, including the messages sent before they arrived.

That is how joining works, and it is why sharing a group is as easy as showing someone a QR code across a table. It is also the whole of the security around a group, so treat a code the way you would treat a password: give it only to the people you actually want in the group, and share it in a way you are happy with.

The app cannot rotate a code, and it cannot withdraw one. There is no “generate a new code” button, and the record that maps a code to its group is written once and never taken away. A code you hand out therefore goes on working indefinitely. If a code has gone somewhere you did not intend, email us — that is the only route, and it is described on the data deletion page.

6. What you add is visible to the group

Everything you put into a group is shown to everyone else in it, and is stored on the server in a form we can read. That includes your display name, your profile picture, the description and note on every expense you add, the note on a settlement, and every chat message you send. Chat is not end-to-end encrypted; the privacy policy sets out exactly what is uploaded and who can read it.

Please do not put other people’s personal information into a group without their agreement. A group is a shared space, and once something is in it, it is in everyone’s copy. Do not use a group to store anything sensitive — identity numbers, card details, passwords, health information, or anything you would not be comfortable having sitting in an ordinary group chat.

Removing a member takes that person out of the balances and out of new splits. It does not reach their phone: the device they joined on keeps the copy of the group it already has, and their name and picture stay in the group’s records. The app has no button that ends somebody else’s membership on the server; only an email request to us does that.

7. Splitmate is in closed testing

Splitmate is currently distributed as a Google Play closed test. That has consequences you should know about before you rely on it:

  • Features may change, behave differently between builds, or be removed. Nothing in the app is final.
  • There may be defects, including ones that lose or mangle data. Do not use Splitmate as the only record of anything you cannot afford to get wrong.
  • What you enter during testing is real data and it carries forward. It will not be wiped before a public release. The groups, expenses, messages and pictures you add now are the ones that will still be there afterwards, so treat this as the live app rather than as a sandbox.

8. Acceptable use

Please do not use Splitmate to:

  • harass, threaten, defame or impersonate anybody;
  • share content that is unlawful where you are, or that infringes somebody else’s rights;
  • put another person’s personal information into a group without their agreement;
  • probe, overload or interfere with the service, or attempt to reach data belonging to groups you were not invited into.

We should be straight with you about what we can enforce. The app has no report button and no block button today — there is no in-app moderation of any kind, and a group is a private space that nobody outside it is watching.

What we can do, and will do, is act on a request sent to splitmate@quizuncle.com: remove specific content from the database, and block an identity from reaching a group. We are one small studio, we make no promise about how thoroughly we can investigate a dispute between members of a group, and we do not undertake to monitor what people write to each other. If somebody is a danger to you, please contact the police rather than us.

9. No warranty

SPLITMATE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY DEFECT WILL BE CORRECTED, OR THAT ANY FIGURE IT CALCULATES IS ACCURATE.

In normal words: the expenses you log as Just me exist only on your phone and we hold no copy of them, so keep your own record of anything you cannot afford to lose. A group has a second copy on the server, but that is synchronisation between the members of a group, not a backup service, and it is not a guarantee.

10. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special or consequential damages, nor for lost data, lost money, lost profits or business interruption, arising out of or connected with your use of Splitmate. That includes any amount you did or did not pay somebody on the strength of a number this app showed you: the payment happened between the two of you, outside the app, and clause 3 explains why we are not in it.

Our total liability to you for any claim is limited to the amount you paid for the app, which is nothing. Nothing in these terms limits liability that cannot be limited by law.

11. Availability is best-effort

Group sync, chat and notifications all run on Google Firebase, and the app reaches your phone through a Google Play closed test. We do not control any of that. There is no service level agreement, no uptime guarantee, and no promise that any of these features will exist forever — we may change them, limit them, or withdraw them, and Google may change what it offers us underneath.

Where we reasonably can, we will give notice before withdrawing something rather than switching it off without warning. Your personal ledger keeps working regardless: it is stored on your own phone and does not depend on any of this.

Google Firebase and the Google Play closed test track each operate under their own terms and privacy policies, which we neither control nor speak for. What data reaches them is set out in our privacy policy.

12. Termination

You can stop using Splitmate whenever you like: uninstall it, and, if you want your data taken off the server as well, send us the request described on the data deletion page. Uninstalling removes everything on the phone, including every Just-me expense, and removes nothing from the server on its own.

We may block an identity from the sync and chat services if it is being used to break these terms or the law. That does not take the app off your phone and does not touch the data stored on it.

13. Changes to these terms

When these terms change, the effective date at the top and bottom of this page moves. If a change materially affects your rights, we will say so here in words rather than only moving the date. Continuing to use the app after a change means you accept it.

14. Governing law

These terms are governed by the laws of India, and the courts of India have jurisdiction over any dispute arising out of them or out of your use of Splitmate.

15. Contact

Questions about these terms go to splitmate@quizuncle.com. A real person reads it.

Effective . See also the privacy policy and how to delete your data.