Splitto

Terms of Service

Last updated: 7 September 2026

1. Who these terms are with

These Terms are an agreement between you and Edoardo Bertoli and Simone Bervicato, private individuals resident in Italy, who operate Splitto jointly ("we", "us"). They cover the Splitto apps for iOS and Android, the API at api.splitto.dev, and this website.

By creating an account or using Splitto, you accept these Terms. If you do not accept them, do not use Splitto.

Contact: bertoliedoardo99@gmail.com

2. What Splitto does

Splitto records shared expenses inside a group, splits them the way you tell it to, and shows you the resulting balances and the smallest set of payments that would clear them. It can also record that a payment happened, and hold links to your Revolut, PayPal or IBAN so someone can pay you in their own app.

Splitto never processes payments. It does not hold funds, does not transfer money, and is not a payment institution or an e-money service. A payment link simply opens somebody else's app. Whether money actually moves is between you and the other person, and any dispute about it is yours to resolve — Splitto is evidence of what you recorded, not a judgment about what is owed.

Splitto is currently free. There is no paid tier and no in-app purchase. If that changes we will publish the terms of it before charging anyone.

3. Your account

• You must be at least 16 years old.
• Give a real name and a working email — the people in your groups need to recognise you, and it is the only way we can reach you.
• Keep your sign-in credentials to yourself. Anything done from your account is treated as done by you.
• One account per person. Do not impersonate anyone.

4. Groups, invites, and other people

Anyone holding a group's invite code or link can join that group and see everything in it — every expense, every amount, every member's name and any payment handles they added. Share invite links only with people you would show the whole group to, and remember that a link can be forwarded on.

An administrator of a group can remove members and delete the group. When you record an expense that involves other members, you are asserting something about them that they will see, and that shapes their balance. Be accurate.

5. Your content

Everything you enter — group names, expense descriptions, comments, photos — stays yours. We claim no ownership of it. You give us only the permission we need to store it, display it to the other members of your groups, and back it up so it survives a server failure.

You are responsible for what you enter, including personal data about other people. Do not upload anything you have no right to share, and do not use another person's photo as your own.

6. Acceptable use

Do not:

• use Splitto to record or organise anything illegal;
• harass, threaten, defame or abuse anyone through the text you enter;
• upload malware, or content that is obscene or infringes someone's rights;
• probe, scan, overload or attack the service, or try to reach data that is not yours;
• scrape the service, or drive it with automated traffic that degrades it for others;
• resell or rebrand Splitto as your own product.

We may suspend or remove an account or a group that breaks these rules. Where it is practical and does not make the problem worse, we will tell you first. Serious abuse may be reported to the authorities.

7. Availability

Splitto is provided "as is" and "as available". We run it carefully, but we are two people: we promise no particular uptime, no response time, and no freedom from bugs. We may change, suspend or discontinue features, and we will give reasonable notice before removing something you depend on.

Balances are computed from what you enter. Splitto cannot know that an amount was typed wrong, and it makes no claim that its numbers are legally binding on anyone.

8. Ending it

You can stop using Splitto whenever you like and delete your account from Settings. What happens to your data then is set out in section 6 of the Privacy Policy — read it before you delete, because the expenses you created stay in your groups.

We may terminate your access if you materially break these Terms, or if we shut Splitto down. If we shut it down, we will give you reasonable notice and a way to export your data first.

9. Liability

To the fullest extent the law allows, we are not liable for indirect or consequential losses, lost profits, lost data, or any disagreement between members of a group about who owes what.

Because Splitto is free, our total liability to you for any claim is limited to €100.

Nothing here excludes liability that cannot be excluded by law — including death or personal injury caused by negligence, fraud, and gross negligence. If you are a consumer in the EU, your mandatory statutory rights are unaffected by anything in these Terms.

10. Law and disputes

These Terms are governed by Italian law. If you are a consumer, you may bring proceedings in the courts of your country of residence and mandatory consumer-protection rules there continue to apply; otherwise the courts of Italy have exclusive jurisdiction.

The European Commission's online dispute resolution platform is available at ec.europa.eu/consumers/odr, though writing to us directly is usually faster.

11. Apple and Google

If you installed Splitto from the App Store or Google Play: these Terms are with us, not with Apple or Google. They have no obligation to support the app, and any claim about the app is ours to answer. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Your use of the app must also comply with the store's own terms of service.

12. Changes

We update the date at the top when these Terms change. For a material change we will tell you in the app before it takes effect. Continuing to use Splitto afterwards means you accept the new version.