Terms of Service

Effective April 22, 2026 · Last updated April 22, 2026

The gist: Splivo is a tool for tracking what people owe each other. We do not hold, transmit, or process money ourselves — every payment you make with Splivo runs through a third party (Venmo, Cash App, Zelle, PayPal, or your crypto wallet). Use Splivo honestly, don’t abuse other people through it, and understand that the math is best-effort and you’re responsible for the payments you send.

1. Accepting these terms

By creating an account, downloading the Splivo mobile app, or using getsplivo.com, you agree to these Terms of Service and to the Privacy Policy. If you don’t agree, don’t use Splivo.

If you’re using Splivo on behalf of an employer or group, you represent that you’re authorized to do so on their behalf.

2. Who can use Splivo

You must be at least 13 years old. If you’re under the age of majority where you live, your parent or guardian must agree to these terms.

3. What Splivo is (and isn’t)

Splivo is

An expense-splitting and payment-link tool.
A way to track balances between people and groups.
A convenience layer over existing payment services you already use.

Splivo is not

A bank, money transmitter, remittance service, or payment processor.
An escrow service or holder of funds.
A tax advisor, accountant, or legal counsel.
A debt-collection service. We facilitate reminders; we don’t recover debts.

Payments happen entirely outside of Splivo via the service you pick (Venmo, Cash App, Zelle, PayPal, or a crypto wallet via WalletConnect). Each of those services has its own terms and fees. Splivo has no ability to reverse, cancel, or refund payments made through those services.

4. Your account

You’re responsible for keeping your phone and SIM secure; our sign-in is SMS-based.
You’re responsible for everything that happens under your account, including on any device where you’re signed in.
If you think someone has accessed your account without authorization, email us at [email protected].

5. Acceptable use

You agree not to:

Use Splivo to defraud anyone, including by logging fake expenses to extract payments.
Harass, threaten, or spam another user through chat, comments, or push reminders.
Reverse-engineer, decompile, or tamper with the app’s code, or use the API in ways we haven’t published.
Scrape, crawl, or aggregate data from other users’ profiles without their consent.
Upload content that is illegal, infringes someone’s rights, or that you don’t own.
Use Splivo to launder money, evade taxes, finance terrorism, or any other illegal activity.
Circumvent rate limits, security protections, or account restrictions.

Commercial messaging & invoice distribution

Splivo’s invoice, pay-link, and group-invite features use your device’s share sheet (SMS, email, messaging apps) to route a link to the recipient you pick. You agree not to use Splivo to send commercial messages — invoices, payment reminders, promotional content — to recipients who have not consented to receive them from you. That includes but is not limited to compliance with the U.S. CAN-SPAM Act (15 U.S.C. §7701 et seq., including §5(a)(5) on sender identification) and the Telephone Consumer Protection Act (47 U.S.C. §227, including §227(b)(1) on automated or prerecorded messages and §227(c)(5) on do-not-call lists). Splivo does not independently message your recipients; you are the sender of record for every outbound link.

You are solely responsible for honoring opt-out requests (“STOP”, “unsubscribe”, or any equivalent) from anyone you have contacted through Splivo, for maintaining a legitimate business relationship with your recipients, and for complying with the equivalent consumer-protection statutes of any non-U.S. jurisdiction where you or your recipient resides (CASL in Canada, the UK PECR, the EU ePrivacy Directive, and similar laws elsewhere). If a recipient reports your use of Splivo as unwanted commercial contact, we may suspend the features you used to reach them and, in severe cases, terminate your account under the paragraph below.

We may suspend or terminate accounts that break these rules. For severe violations (fraud, harassment, repeated unconsented commercial messaging) we may terminate without warning.

6. User content

You keep ownership of the content you put into Splivo (names, amounts, notes, receipts, chat messages, voice notes, photos). You grant Splivo a limited, worldwide, royalty-free license to store, process, and display that content solely so that Splivo can function — e.g. showing your receipt photo inside the expense detail, delivering your chat message to other members of the group.

This license ends when you delete the content, or when you delete your account (subject to the 30-day purge window described in the Privacy Policy).

7. Pro subscription

Splivo offers a Pro tier that unlocks features like Plaid-linked duplicate detection, avatar tint customization, higher template limits, and priority support.

Billing: Pro is billed via the platform you purchased on (Apple App Store or Google Play). Cancellation and refunds are handled by that platform’s policies.
Free trial: where offered, converts to a paid subscription at the end of the trial unless you cancel before then.
Price changes: we’ll give you at least 30 days’ notice via in-app message before any price change takes effect for you.
Downgrade: when Pro lapses, your data stays intact. Features gated on Pro become read-only or revert to Free-tier limits.

8. Referral program

Every new user may receive the standard free trial where offered. A referral link adds a separate 7-day invite bonus and does not replace the standard trial.
A referrer earns one 30-day Pro credit for every 5 referred users who convert to paid Pro.
Referral credits redeem in 30-day blocks and are capped at 12 Pro months per calendar year.
Abuse (creating fake accounts, self-referral, incentivized sign-ups from bot farms) forfeits earned credit and may result in termination.
We can change the program or end it with 30 days’ notice.

9. Third-party services

Splivo integrates with third-party services (Venmo, Cash App, Zelle, PayPal, WalletConnect, Plaid, Twilio, Supabase, Expo, Apple, Google). Your use of those services is governed by their own terms and privacy policies. We’re not responsible for their outages, errors, fees, or decisions to block or de-platform you.

10. Intellectual property

The Splivo name, logo, app design, and code are owned by us. Nothing in these terms grants you a right to use our brand for anything beyond personal, non-commercial use within the app.

Open-source components used in the app are governed by their respective licenses, listed inside the app under Settings → About → Licenses (when available).

11. Termination

You can delete your account at any time from Settings → Privacy & data. We can terminate or suspend your account if you break these terms, if keeping your account on our systems creates unacceptable legal or security risk, or if we shut the service down. On termination, the licenses you granted us end and we will delete your data as described in the Privacy Policy.

12. Disclaimers

Splivo is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don’t guarantee the app will be uninterrupted, bug-free, or that the math will always be right for every edge case (though we try hard — see our test suite).

13. Limitation of liability

To the maximum extent permitted by law, Splivo and its contributors are not liable for indirect, incidental, special, consequential, or punitive damages; for lost profits, lost data, or business interruption; or for payments you sent through third-party services that you later regret. Our total aggregate liability to you for any claim arising from your use of Splivo is limited to the greater of (a) the amount you paid us in the 12 months before the claim, or (b) US$50.

Some jurisdictions don’t allow these limits. In those places, the limits apply only to the extent permitted.

14. Indemnification

You agree to indemnify and hold Splivo and its contributors harmless from any third-party claim arising from your content, your use of Splivo in violation of these terms, or your violation of another person’s rights.

15. Governing law & dispute resolution

These terms are governed by the laws of the state of residence of the Splivo operator, excluding its conflict-of-laws rules. For residents of the European Economic Area or the United Kingdom, mandatory local consumer-protection law still applies.

Disputes should first be raised with us at [email protected] — we’ll make a good-faith effort to resolve it within 30 days. If unresolved, claims may be brought in the courts of the Splivo operator’s jurisdiction, except where local law guarantees your right to file elsewhere.

16. Changes to these terms

If we make a material change, we’ll update the "Last updated" date above and notify you in-app before the change takes effect. Continued use of Splivo after a change means you accept the new terms.

17. Contact

Questions about these terms: [email protected].

Splivo settles it.