Terms of Service

1. Acceptance of Terms

By accessing or using SplitBank ("Service", "we", "us", "our") at splitbank.app or any related applications, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the updated Terms.

2. Description of Service

SplitBank is a personal finance tool that allows you to:

• Connect bank accounts via Teller, Inc. to view transaction history
• Create and track shared expenses with other users
• Record and manage payment obligations between individuals
• Facilitate settlement by sharing payment handles (Venmo, Cash App, Zelle, PayPal)

SplitBank is a record-keeping and coordination tool only. We do not process payments, hold funds, or execute financial transactions on your behalf.

3. Eligibility

You must be at least 18 years old to use SplitBank. By using the Service, you represent that you are 18 or older and have the legal capacity to enter into these Terms.

4. Account Responsibilities

You are responsible for:

• Maintaining the security of your account credentials
• All activity that occurs under your account
• Keeping your email address accurate and up to date
• Notifying us immediately of any unauthorized access

Do not share your password with others. We are not liable for losses resulting from unauthorized account access that occurs through your own negligence.

5. Bank Account Connectivity

SplitBank uses Teller, Inc. to access your bank account data. By connecting a bank account, you also agree to Teller's Terms of Service and Privacy Policy.

You authorize us to retrieve your account and transaction data from Teller solely for the purpose of operating the Service. You may disconnect your bank accounts at any time from the Account settings.

We do not have access to your bank login credentials. SplitBank is a read-only data consumer — we cannot initiate transfers or modify your bank accounts.

6. Not Financial Advice

SplitBank is a personal expense tracking tool. Nothing on the Service constitutes financial, legal, tax, or investment advice. Balance calculations and split amounts shown in the app are user-generated records and may not reflect all outstanding obligations between parties.

We are not responsible for financial disputes between users. Settlement of debts is the responsibility of the users involved.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorized access to any other user's account or data
• Transmit malware, viruses, or other harmful code
• Use automated bots or scrapers to extract data from the Service
• Reverse-engineer, decompile, or attempt to extract the source code of the Service
• Use the Service to harass, defraud, or harm other users
• Misrepresent your identity or affiliation

8. User Content

You retain ownership of the data you enter into SplitBank (expense descriptions, amounts, group information). By using the Service, you grant us a limited, non-exclusive license to store and process that content solely to provide the Service.

You are responsible for ensuring that any data you enter does not infringe the rights of third parties.

9. Termination

You may stop using the Service and request account deletion at any time by contacting us at the email below.

We reserve the right to suspend or terminate your account at our discretion, including for violations of these Terms or applicable law, with or without prior notice.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

11. Limitation of Liability

To the fullest extent permitted by law, SplitBank and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of revenue, or financial losses arising from your use of the Service, even if advised of the possibility of such damages. Our total liability for any claim shall not exceed the greater of $10 or the amount you paid us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless SplitBank and its operators from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. Any disputes arising from these Terms or the Service shall be resolved in the courts of California.

14. Contact

Questions about these Terms should be sent to:

SplitBank
Email: jugaltsanghvi@gmail.com