Effective Date: October 7, 2026
By downloading, accessing, or using SplitMate, you agree to these Terms of Use. If you do not agree with these terms, please do not use the application.
1. ABOUT SPLITMATE
SplitMate is a personal finance and expense-management application designed to help users:
• Track personal expenses
• Set personal budgets
• Split expenses with groups
• Track shared balances
• Manage expense splits between group members
• Record and edit group expenses
• View activity and expense history
• Calculate balances between group members
• Assist with settlement of shared expenses
• Scan supported payment screenshots to help create expense entries
• Join groups through invitations and shared links
SplitMate is a financial management and record-keeping tool.
SplitMate is not a bank, payment processor, wallet, financial institution, investment service, or money-transfer service.
2. NO FINANCIAL OR PAYMENT SERVICES
SplitMate does not hold, transfer, process, or custody your money.
When you choose to make a payment using SplitMate, the application may redirect you to a supported third-party payment application, such as a UPI application.
SplitMate does not:
• Process your payment
• Hold your funds
• Guarantee that a payment will succeed
• Verify that a recipient is legitimate
• Guarantee the accuracy of a UPI ID
• Control third-party payment applications
• Resolve disputes between users or payment providers
You are responsible for verifying the payment recipient and payment details before completing any payment.
Any payment dispute must be handled with the relevant payment provider, bank, or financial institution.
3. PERSONAL EXPENSES AND BUDGETS
SplitMate allows you to record personal expenses and create monthly budgets.
You are responsible for the accuracy of information you enter, including:
• Expense amounts
• Expense descriptions
• Categories
• Dates
• Currency
• Budget amounts
SplitMate does not provide professional financial, investment, tax, accounting, or legal advice.
Budget calculations and expense summaries are provided for informational and organizational purposes only.
4. GROUP EXPENSES AND SHARED BALANCES
SplitMate allows users to create groups and record shared expenses.
Group balances and settlement calculations are based on the information entered by group members.
You are responsible for reviewing:
• Who paid an expense
• Which members are included
• Expense amounts
• Individual shares
• Settlement information
If an expense is entered incorrectly, the resulting balance may also be incorrect.
SplitMate does not independently verify whether an expense actually occurred or whether a member owes another member a particular amount.
5. EDITING AND DELETING EXPENSES
SplitMate may allow authorized users to edit or delete expenses.
When an expense is edited, associated balances and activity information may change accordingly.
You are responsible for reviewing changes you make to shared expenses.
Historical activity records may retain information about actions that occurred previously, including information about an expense before it was edited or deleted.
6. PAYMENT SCREENSHOT SCANNING
SplitMate may provide a feature that allows you to select a payment screenshot and automatically extract information to help create an expense.
The screenshot is processed using on-device text recognition and parsing.=
The extracted information may include information such as:
• Amount
• Date
• Category
• Payment method
• Merchant or recipient information when readable
The scanning feature is provided as an assistance tool only.
OCR and automated extraction may be inaccurate due to image quality, formatting, language, layout, or other factors.
You must review all extracted information before saving an expense.
You are responsible for correcting any incorrect information before confirming it.
SplitMate does not guarantee that information extracted from a screenshot will be complete or accurate.
7. USER ACCOUNTS
Some SplitMate features require you to sign in.
You are responsible for maintaining the security of your account and the device you use to access SplitMate.
You agree not to:
• Create an account using a fraudulent identity
• Impersonate another person
• Attempt to access another user's account
• Circumvent security controls
• Abuse invitations or group functionality
• Use SplitMate for fraudulent or unlawful purposes
• Attempt to interfere with the operation of the application
• Upload or submit information that you do not have the right to use
8. GROUP INVITATIONS
SplitMate may provide invitation links or codes that allow users to join groups.
You are responsible for sharing invitation links only with people you intend to invite.
Do not use invitation links to:
• Gain unauthorized access to groups
• Harass other users
• Circumvent access controls
• Facilitate fraudulent or unlawful activity
Group membership and access may change when members join, leave, or are removed from a group.
9. USER-PROVIDED INFORMATION
You are responsible for information and content that you enter into SplitMate, including expense descriptions, budgets, group information, and other records.
You should only submit information that you have the right to use.
You should not intentionally submit sensitive information that is unnecessary for using SplitMate.
You are responsible for maintaining your own records and backups of information that you consider important.
10. ACCURACY OF INFORMATION
SplitMate uses information provided by users and automated processing to calculate balances, budgets, summaries, and other results.
We do not guarantee that:
• User-entered information is accurate
• Automatically extracted payment information is accurate
• Calculated balances will be correct if underlying information is incorrect
• Third-party payment information is accurate
• Historical information will always be available
• The application will be free from errors
You should verify important financial information before relying on it.
11. THIRD-PARTY SERVICES
SplitMate may use third-party services to provide or support application functionality, including authentication, cloud storage, analytics, crash reporting, and payment-app redirection.
Third-party services may have their own terms, privacy policies, availability limitations, and technical requirements.
SplitMate is not responsible for failures, outages, changes, or actions of third-party services.
Your use of third-party applications, including payment applications, is subject to the terms and policies of those providers.
12. ANALYTICS AND CRASH REPORTING
SplitMate may use analytics and crash-reporting services to understand application usage, identify technical problems, improve reliability, and improve the application.
These services may collect technical information and information about application interactions as described in our Privacy Policy.
SplitMate does not intentionally send payment screenshots, OCR text, UPI IDs, bank account information, transaction IDs, expense descriptions, or other sensitive payment information to its analytics or crash-reporting systems.
Please refer to our Privacy Policy for additional information about data collection and processing.
13. APPLICATION UPDATES
SplitMate may periodically release updates that include:
• New features
• Improvements
• Security updates
• Bug fixes
• Performance improvements
• Changes to existing functionality
You may be prompted to install available updates through Google Play.
Some updates may be required to continue using certain features or versions of the application.
We recommend keeping SplitMate updated to the latest version available through Google Play.
14. SERVICE AVAILABILITY
We aim to keep SplitMate available and reliable, but we do not guarantee uninterrupted availability.
The service may become temporarily unavailable because of:
• Maintenance
• Software updates
• Network problems
• Device problems
• Firebase or other third-party service outages
• Google Play or operating-system issues
• Security incidents
• Circumstances outside our reasonable control
We may modify, suspend, or discontinue some or all features of SplitMate when necessary.
15. ACCOUNT DELETION
You may request deletion of your SplitMate account using the account-deletion functionality provided by the application or the account-deletion page provided by SplitMate.
Deleting your account may permanently remove personal data associated with your account.
Information that is part of shared group records may be treated differently where necessary to preserve the integrity of shared expense records, balances, or activity history.
Certain records may therefore remain in a shared group context after an account is deleted, subject to our Privacy Policy and applicable requirements.
Account deletion is permanent once completed and may not be reversible.
16. PROHIBITED USE
You must not use SplitMate to:
• Commit fraud
• Facilitate unlawful financial activity
• Impersonate another person
• Access accounts or groups without authorization
• Interfere with the application's operation
• Attempt to bypass security mechanisms
• Reverse engineer or abuse the service except where permitted by applicable law
• Use the service to harass, threaten, or harm other users
• Upload malicious software or content
• Use SplitMate in violation of applicable laws or regulations
17. INTELLECTUAL PROPERTY
SplitMate, including its software, interface, branding, logos, graphics, design, and other original materials, is owned by or licensed to SplitMate and its respective rights holders.
You may use SplitMate for its intended personal purposes, subject to these Terms.
You may not copy, modify, distribute, sell, sublicense, or create derivative works from SplitMate or its proprietary materials except where permitted by applicable law or with appropriate authorization.
18. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, SplitMate and its developers are not responsible for losses or damages resulting from:
• Incorrect information entered by users
• Incorrect balances resulting from incorrect data
• Incorrect OCR or automated payment extraction
• Payment failures
• Incorrect UPI or payment details
• Financial disputes between users
• Actions of other group members
• Third-party payment applications
• Bank or payment-provider failures
• Internet or network failures
• Device or operating-system problems
• Third-party service outages
• Unauthorized access resulting from failure to protect your device or account
• Temporary or permanent unavailability of the service
SplitMate is not responsible for making financial decisions on your behalf.
You should independently verify important financial information before making payments or other financial decisions.
19. SUSPENSION OR TERMINATION
We may suspend or terminate access to SplitMate if we reasonably believe that you:
• Violate these Terms
• Abuse the service
• Attempt fraud
• Attempt unauthorized access
• Harm other users
• Use the service for unlawful purposes
• Interfere with the security or operation of the service
Where appropriate, we may take action without prior notice.
20. CHANGES TO THESE TERMS
We may update these Terms of Use from time to time to reflect:
• New features
• Changes to the application
• Changes to third-party services
• Legal or regulatory requirements
• Security or operational changes
When we make material changes, we may provide notice through the application, website, or another appropriate method.
The updated Terms will include a revised effective date.
Your continued use of SplitMate after updated Terms become effective means you accept the revised Terms.
21. GOVERNING LAW
These Terms are intended to be governed by the applicable laws of India.
Any disputes relating to these Terms or your use of SplitMate will be subject to the applicable jurisdiction and laws of India.
22. CONTACT
If you have questions, concerns, or requests regarding these Terms of Use, please contact:
Email: fusionsix.tech@gmail.com
Terms of Use: