Terms of Service

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to use the Service. By using the App, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal authority to enter into this agreement; and (c) your use of the Service complies with all applicable laws and regulations. If you do not meet these requirements, you may not use the Service.

2. Account Registration and Responsibilities

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security and confidentiality of your account credentials
• Promptly notify us of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account
• Not share your account with any third party or allow others to access your account

You are solely responsible for all activity that occurs under your account, whether or not authorized by you. We are not liable for any loss or damage arising from your failure to maintain the security of your account.

3. License to Use the Service

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on a personal mobile device that you own or control, solely for your personal, non-commercial use. This license does not include the right to:

• Copy, modify, or distribute the App or any portion of it
• Reverse engineer, decompile, or disassemble the App
• Use the App for any commercial purpose or on behalf of any third party
• Sublicense, sell, resell, transfer, or otherwise exploit the App
• Use the App in any way that violates applicable laws or regulations

4. Prohibited Conduct

You agree not to use the Service to:

• Violate any applicable local, state, national, or international law or regulation
• Transmit any content that is unlawful, fraudulent, defamatory, or harassing
• Attempt to gain unauthorized access to any portion of the Service or its related systems
• Interfere with or disrupt the integrity or performance of the Service
• Collect or harvest user data without express consent
• Impersonate any person or entity or misrepresent your affiliation
• Use the Service for any illegal financial activity, including money laundering or fraud

We reserve the right to suspend or terminate your account immediately and without notice if we determine, in our sole discretion, that you have violated these Terms or any applicable law.

5. Financial Data and Linked Bank Accounts

The Service allows you to link bank accounts through Plaid Technologies, Inc. ("Plaid") to view transactions and account balances. By linking a bank account:

• You authorize us to access, retrieve, and store your financial data via Plaid on your behalf, solely to provide the Service's features.
• You acknowledge that your bank credentials are submitted directly to Plaid and are never transmitted to or stored by us.
• You represent that you are the authorized owner of or have permission to link any account you connect to the Service.
• You understand that financial data displayed in the App reflects information retrieved from your financial institution and may be subject to delays or inaccuracies outside our control.

The Service is a personal expense-tracking and splitting tool only. It is not a bank, financial advisor, broker-dealer, or regulated financial institution. Nothing in the App constitutes financial, investment, tax, or legal advice. You should consult a qualified professional for such matters.

6. Third-Party Services

The Service integrates with and depends upon third-party providers. Your use of the Service is subject to the terms and policies of those providers. We are not responsible for the availability, accuracy, or conduct of third-party services.

6.1 Plaid Technologies, Inc.

We use Plaid to facilitate secure connections to your financial institution. By linking a bank account, you agree to Plaid's End User Privacy Policy (available at plaid.com/legal) and Plaid's Terms of Service. We do not control how Plaid processes your data and are not responsible for Plaid's acts or omissions. Any disruption to Plaid's services may affect your ability to use bank-linked features of the App.

6.2 Microsoft Azure

Our backend infrastructure, including the API server and database, is hosted on Microsoft Azure (Azure App Service and Azure SQL). Your data is stored in the United States (East US region). We rely on Microsoft's infrastructure for uptime and data integrity but cannot guarantee uninterrupted service. Microsoft's service terms apply to the underlying infrastructure.

6.3 Expo (Expo Technologies, Inc.)

We use Expo's push notification service to deliver in-app notifications to your device. By enabling notifications, you agree that your Expo push token may be shared with Expo solely for the purpose of delivering notifications from the App. Expo's terms of service and privacy policy govern Expo's use of this data.

6.4 Mailgun Technologies, Inc.

We use Mailgun to send transactional emails (including account verification, password reset, and service notifications). Your email address and message content are shared with Mailgun solely for delivery purposes. Mailgun's terms of service and privacy policy govern Mailgun's handling of this data.

We are not responsible for the acts, omissions, policies, or security practices of any third-party provider. Any claims arising from your use of a third-party service must be directed to that provider.

7. Intellectual Property

All content, features, code, design, trademarks, and functionality in the App are owned by or licensed to us and are protected by applicable intellectual property laws. Nothing in these Terms transfers any ownership interest to you. You may not use our name, logo, or branding without our prior written consent.

You retain ownership of any content you submit to the App (such as expense descriptions and group names). By submitting content, you grant us a limited, non-exclusive, royalty-free license to store, process, and display that content solely to provide the Service.

8. Privacy

Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection, use, and sharing of your information as described in the Privacy Policy.

9. Modifications to the Service and Terms

We reserve the right to modify, suspend, or discontinue the Service or any part of it at any time, with or without notice, and without liability to you. We also reserve the right to amend these Terms at any time. When we make material changes, we will update the Effective Date above and, where practicable, notify you via email or in-app notice at least 30 days before changes take effect. Your continued use of the Service after the updated Terms take effect constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service.

10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice. You may terminate your account at any time by deleting it through the App (Settings → Security & Privacy → Delete Account). Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination will survive, including Sections 11 (Disclaimer of Warranties), 12 (Limitation of Liability), 13 (Indemnification), and 14 (Dispute Resolution and Arbitration).

11. Disclaimer of Warranties

The Service is provided "as is" and "as available," without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, we expressly disclaim all warranties, including but not limited to: implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement; warranties arising from course of dealing or usage of trade; and any warranty that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

We do not warrant the accuracy, completeness, or timeliness of any financial data displayed in the App. Transaction data is retrieved from third-party sources (your financial institution via Plaid) and may contain errors, delays, or omissions beyond our control. You are solely responsible for verifying the accuracy of any financial information displayed in the App before relying on it for any purpose.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. In those jurisdictions, our warranties are limited to the minimum extent permitted by applicable law.

12. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall we, our officers, directors, employees, agents, licensors, or service providers be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages of any kind, including but not limited to loss of profits, loss of data, loss of goodwill, service interruption, computer damage, system failure, or the cost of substitute services, arising out of or in connection with your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

To the fullest extent permitted by applicable law, our total cumulative liability to you for all claims arising out of or relating to these Terms or your use of the Service — whether in contract, tort (including negligence), strict liability, statute, or any other legal theory — shall not exceed the greater of: (a) the net revenue actually received by us and directly attributable to your account during the twelve (12) months immediately preceding the event giving rise to the claim; or (b) one dollar ($1.00).

For the avoidance of doubt, because the App is currently offered free of charge, the net revenue attributable to your account in any period will typically be zero dollars ($0.00), and our liability will therefore be limited to one dollar ($1.00) unless you have paid us a positive amount during the preceding twelve months that exceeds that amount.

The limitation of liability set forth in this section reflects a reasonable and fair allocation of risk between the parties and is a fundamental element of the basis of the bargain between you and us. The Service would not be provided without such limitations. Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you to the extent prohibited by applicable law.

13. Indemnification

You agree to defend, indemnify, and hold harmless us, our officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorneys' fees) arising from or related to: (a) your use of or inability to use the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property right, privacy right, or proprietary right; (d) any content or data you submit to the Service; or (e) your violation of any applicable law or regulation.

We reserve the right, at our expense, to assume exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

14. Dispute Resolution and Mandatory Arbitration

14.1 Informal Resolution

Before initiating any formal dispute proceeding, you agree to first contact us at support@swiftsplit.app and provide a written description of the dispute, the relief you seek, and your contact information. We will attempt to resolve the dispute informally within 30 days of receiving your notice. If we cannot resolve the dispute informally within that period, either party may proceed to arbitration as described below.

14.2 Binding Individual Arbitration

Except as provided in Section 14.5 (Exceptions to Arbitration), you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Service, or any breach, termination, enforcement, interpretation, or validity of these Terms (collectively, "Disputes") shall be resolved exclusively through binding individual arbitration, rather than in court. Arbitration is final and binding and subject to only very limited judicial review.

The arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (available at adr.org), as modified by these Terms. The arbitrator shall apply applicable substantive law. The arbitration shall be conducted in the English language. If the AAA is unavailable, the parties shall agree on an alternative arbitration forum.

For disputes where the total amount sought is $10,000 USD or less, the arbitration may be conducted by telephone, online, or based solely on written submissions, as elected by the party initiating arbitration. For disputes exceeding $10,000 USD, the right to a hearing will be determined by the AAA rules. The arbitrator's award will be final and binding, and judgment on the award may be entered in any court having jurisdiction.

14.3 Class Action Waiver

You and we each agree that any dispute resolution proceeding will be conducted only on an individual basis, and not in a class, consolidated, mass, or representative action. You waive your right to participate as a plaintiff or class member in any purported class action lawsuit, class-wide arbitration, private attorney general action, or any other representative proceeding against us. If any court or arbitrator determines that this class action waiver is unenforceable in a particular case, then the arbitration agreement in this Section 14 will not apply to that case, and the dispute shall be resolved in court subject to Section 15 (Governing Law), but only on an individual basis.

You may not consolidate or join your claims with those of any other person. The arbitrator may award relief only on an individual basis and only to the extent necessary to provide relief warranted by your individual claim.

14.4 Arbitration Fees

Payment of arbitration filing fees, administrative fees, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules. If you are unable to pay the filing fee, you may request that we pay it on your behalf by notifying us in writing at support@swiftsplit.app. We will consider such requests on a case-by-case basis. Each party shall bear its own attorneys' fees, costs, and other expenses, except as otherwise required by applicable law or awarded by the arbitrator.

14.5 Exceptions to Arbitration

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights or other proprietary rights. You may also assert individual claims in small claims court if your claims qualify and remain in that court.

14.6 Opt-Out Right

You have the right to opt out of the arbitration agreement and class action waiver by sending written notice to support@swiftsplit.app within 30 days of first agreeing to these Terms. Your notice must include your name, your account email address, and a clear statement that you are opting out of arbitration. If you opt out, you and we retain the right to litigate Disputes in court subject to Section 15 (Governing Law). Opting out of arbitration does not affect any other provision of these Terms.

15. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Washington, United States, without regard to its conflict of law principles. For any Dispute not subject to arbitration under Section 14, you and we each consent to exclusive personal jurisdiction and venue in the state and federal courts located in King County, Washington.

If you are a consumer in a jurisdiction that does not allow certain choice of law provisions, the mandatory consumer protection laws of your jurisdiction may apply to the extent required by law.

16. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable under applicable law, that provision will be modified to the minimum extent necessary to make it enforceable, or if it cannot be modified, it will be severed from these Terms. All remaining provisions will continue in full force and effect. The invalidity of one provision will not affect the validity of any other provision.

17. Entire Agreement; Waiver

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior and contemporaneous agreements, representations, warranties, and understandings. No waiver of any provision of these Terms will be deemed a further or continuing waiver of such provision or any other provision. Our failure to assert a right under these Terms shall not constitute a waiver of that right.

18. Contact Us

If you have questions about these Terms of Service, please contact us at:

We aim to respond to all Terms-related inquiries within 10 business days.