Effective Date: October 21, 2026
By downloading, accessing, or using SplitMate, you agree to these Terms of Use. If you do not agree to these Terms, please do not use the application.
SplitMate is a personal finance and expense-management application designed to help users:
Track personal expenses.
Create and manage personal budgets.
Split expenses with groups.
Track shared balances and expense shares.
Record, edit, and delete expenses.
View activity and expense history.
Calculate balances between group members.
Record settlements between group members.
Scan supported receipts or payment screenshots to help create expense entries.
Join groups through invitations and shared links.
View financial summaries and rule-based suggestions through the Financial Assistant.
SplitMate is a financial management and record-keeping tool. It is not a bank, financial institution, wallet, investment service, payment processor, or money-transfer service.
SplitMate helps users calculate and record shared expenses and settlements. It does not hold, transfer, process, or take custody of your money.
Settlement functionality records the status of a settlement between users. Marking a settlement as paid in SplitMate does not itself transfer money, verify a bank transaction, or confirm that funds have reached the recipient.
Any payment you make outside SplitMate is subject to the relevant bank, payment provider, or payment application.
You are responsible for:
Verifying the recipient and payment details.
Confirming the actual transfer of funds independently.
Keeping your own payment records.
Resolving payment disputes with the relevant bank or payment provider.
SplitMate does not guarantee that a payment will succeed, that a recipient is legitimate, or that a recorded settlement reflects a completed transfer.
SplitMate allows you to record personal expenses, organize spending, and create budgets.
You are responsible for the accuracy of information you enter, including:
Expense amounts and descriptions.
Categories and dates.
Currency information.
Budget amounts and limits.
Other information used to calculate summaries or budget progress.
SplitMate calculates summaries and budget progress using the information available in the application. Incorrect or incomplete records may produce inaccurate results.
You should review your records and calculations regularly. SplitMate does not provide professional financial, investment, tax, accounting, or legal advice.
SplitMate allows users to create groups, invite members, record shared expenses, and calculate balances.
Group calculations depend on information entered or maintained by group members. You are responsible for reviewing:
Who paid an expense.
Which members are included.
The expense amount and currency.
Individual shares and split arrangements.
Settlement information.
SplitMate does not independently verify that an expense occurred, that the information entered is accurate, or that a member legally owes another member a particular amount.
Users should resolve disagreements about expenses, shares, and settlements directly with the relevant group members.
SplitMate may allow authorized users to edit or delete expenses, depending on their permissions and the functionality available.
Changes to expenses may affect group balances, expense details, and activity information.
You are responsible for reviewing changes you make to shared expenses and ensuring that the information remains accurate.
Historical activity records may retain information about earlier actions, including information about an expense before it was edited or deleted. Deleting an expense does not necessarily delete every associated historical activity record.
SplitMate may provide a scanning feature that helps you create an expense from a supported receipt or payment screenshot.
The feature uses on-device text recognition through Google ML Kit and local parsing logic to identify information such as:
Amount.
Date.
Category.
Payment method.
Merchant or recipient information, where readable.
The scanning feature is provided as an assistance tool only. Text recognition and automated extraction may be inaccurate because of image quality, formatting, language, layout, or other factors.
You must review the extracted information and correct any errors before confirming and saving an expense.
SplitMate does not guarantee that information extracted from a screenshot will be complete or accurate.
The screenshot-scanning feature is designed to process the selected image on your device. The image and extracted OCR text are not intentionally uploaded to SplitMate's servers for external AI processing.
You are responsible for ensuring that you have the right to use any image or information you submit for scanning.
SplitMate includes a rule-based Financial Assistant that provides financial summaries, calculations, and suggestions based on relevant information available within the application.
The Financial Assistant uses predefined application logic. It is not powered by an external AI API or large language model (LLM), and SplitMate does not send assistant requests to an external AI provider for AI-generated responses.
Depending on the feature used, the assistant may use information such as recorded expenses, categories, budget limits, budget progress, and calculated spending summaries.
The assistant is intended to help you understand your recorded financial activity. Its output depends on the accuracy and completeness of your records and the rules implemented in the application.
The Financial Assistant:
Is not a professional financial adviser.
Does not guarantee that its suggestions are suitable for your circumstances.
Does not execute payments or transfer money.
Does not replace independent review of your financial records.
Does not provide a guarantee of financial results.
You are responsible for reviewing its output and making your own financial decisions.
Some SplitMate features require you to sign in using an available authentication method, including Google Sign-In.
You are responsible for maintaining the security of your account, your device, and your authentication credentials.
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.
Interfere with the operation or security of the application.
Submit information that you do not have the right to use.
You should notify us if you become aware of suspected unauthorized use of your account.
SplitMate may provide invitation links or codes that allow users to join groups.
You are responsible for sharing invitations only with people you intend to invite. You must not use invitation links or codes to gain unauthorized access, harass other users, circumvent access controls, or facilitate unlawful activity.
Group membership and access may change when members join, leave, or are removed from a group.
You acknowledge that information shared within a group may be visible to other members as described in our Privacy Policy.
You are responsible for the information you enter or submit through SplitMate, including expense descriptions, budgets, group information, and financial records.
You agree to submit only information that you have the right to use.
Do not intentionally submit unnecessary sensitive information, confidential third-party information, malicious content, or unlawful material.
You are responsible for maintaining independent records or backups of information that you consider important. SplitMate does not guarantee that all information will always remain available.
SplitMate relies on user-entered information, automated processing, application logic, and third-party services to provide its features.
We do not guarantee that:
User-entered information is accurate.
Automatically extracted receipt or payment information is accurate.
Calculated balances are correct when the underlying records are incorrect.
Financial summaries or assistant suggestions are complete or suitable for every situation.
Historical information will always remain available.
Every application feature will be free from errors.
You should independently verify important financial information before relying on it for payments, settlements, or other financial decisions.
SplitMate uses Firebase Analytics and Firebase Crashlytics, provided by Google, to understand application usage, identify technical issues, improve features, and maintain application stability.
Depending on the events implemented and the features you use, these services may process information about application interactions, screen usage, feature events, application versions, device and operating system information, crashes, and diagnostic errors.
Analytics may record limited events relating to sign-in, group activity, expenses, budgets, settlements, scanning outcomes, Financial Assistant usage where instrumented, and application updates.
We do not intentionally send payment screenshots, OCR text, UPI IDs, bank account information, transaction IDs, expense descriptions, or other sensitive payment details to Analytics or Crashlytics.
For additional details about information collection and processing, please refer to the SplitMate Privacy Policy:
https://sites.google.com/view/splitmateapp/home
SplitMate may rely on third-party services to provide or support application functionality, including:
Google Sign-In.
Firebase Authentication.
Firebase Cloud Firestore.
Firebase Analytics.
Firebase Crashlytics.
Google ML Kit.
Google Play and related services.
Third-party payment applications where applicable.
Third-party services may have their own terms, privacy policies, availability limitations, and technical requirements.
Your use of third-party services is subject to the applicable terms and policies of those providers.
SplitMate is not responsible for outages, changes, or failures of third-party services beyond our reasonable control.
SplitMate may periodically release updates that include:
New features.
Improvements to existing functionality.
Security updates.
Bug fixes.
Performance improvements.
Compatibility changes.
Updates may be distributed through Google Play. Some updates may be necessary to continue using particular features or versions of the application.
We recommend keeping SplitMate updated to the latest available version.
We aim to keep SplitMate available and reliable, but we do not guarantee uninterrupted or error-free operation.
The service may become temporarily unavailable because of maintenance, software updates, network problems, device issues, Firebase or other third-party service outages, operating system issues, security incidents, or circumstances outside our reasonable control.
Some features may require an internet connection and may not be fully available offline.
We may modify, suspend, or discontinue features when reasonably necessary for maintenance, security, operational, technical, or legal reasons.
You may request deletion of your SplitMate account using the account-deletion functionality in the application or through the account-deletion page:
https://sites.google.com/view/splitmate-help/home
Account deletion may permanently remove personal data associated with your account, including personal profile information, personal expenses, budgets, and personal activity, subject to applicable requirements.
Information that forms part of shared group records may remain where necessary to preserve group expense history, balances, settlement records, or historical activity for remaining group members.
Deleting your account does not necessarily remove every record associated with groups you previously participated in. Third-party services may also retain certain information according to their applicable policies and retention settings.
Account deletion may be irreversible once completed.
Please review the Privacy Policy for further information about data retention and account deletion.
You must not use SplitMate to:
Commit fraud or facilitate unlawful financial activity.
Impersonate another person.
Access accounts or groups without authorization.
Interfere with application functionality or security.
Attempt to bypass security mechanisms.
Reverse engineer or abuse the service except where permitted by applicable law.
Harass, threaten, or harm other users.
Upload malicious software or unlawful content.
Violate applicable laws or regulations.
We may take reasonable measures to protect SplitMate, its users, and its services against misuse.
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.
Subject to these Terms, you may use SplitMate for its intended purposes.
You may not copy, modify, distribute, sell, sublicense, or create derivative works from proprietary parts of SplitMate except where permitted by applicable law or with appropriate authorization.
These Terms do not transfer ownership of SplitMate's intellectual property to you.
To the maximum extent permitted by applicable law, SplitMate and its developers are not responsible for losses arising from:
Incorrect information entered by users.
Incorrect balances resulting from incorrect records.
Incorrect OCR or automated extraction.
Incorrect financial summaries or assistant suggestions.
Payment failures or inaccurate payment details.
Financial disputes between users.
Actions of other group members.
Third-party payment applications, banks, or payment providers.
Internet, network, device, or operating system failures.
Third-party service outages.
Unauthorized access resulting from a failure to protect your account or device.
Temporary or permanent service unavailability.
SplitMate is a record-keeping and expense-management tool and does not make financial decisions or execute transfers on your behalf.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law. Your statutory rights remain unaffected.
We may restrict, suspend, or terminate access to SplitMate if we reasonably believe that a user has violated these Terms, abused the service, attempted fraud or unauthorized access, harmed other users, engaged in unlawful activity, or interfered with service security or operation.
Where appropriate and permitted by applicable law, action may be taken without prior notice.
We may update these Terms to reflect new features, application changes, third-party service changes, legal requirements, or security and operational needs.
When material changes are made, we may provide notice through the application, website, or another appropriate method.
The revised Terms will include an updated effective date. Where required by applicable law, we will obtain any necessary consent for material changes.
Your continued use of SplitMate after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.
These Terms are intended to be governed by the applicable laws of India.
Disputes relating to these Terms or your use of SplitMate will be subject to applicable Indian law and the jurisdiction of competent courts, subject to any mandatory legal requirements.
If you have questions, concerns, or requests regarding these Terms of Use, please contact:
Email:
fusionsix.tech@gmail.com
Terms of Use:
https://sites.google.com/view/splitmate-termsofuse/home
Privacy Policy:
https://sites.google.com/view/splitmateapp/home
Account Deletion:
https://sites.google.com/view/splitmate-help/home
Last Updated: October 21, 2026