Terms of Service

These Terms of Service and End User License Agreement (the “Terms”) are a binding legal agreement between you (“you,” “your,” or “User”) and SplitGrub LLC, a Texas limited liability company (“SplitGrub,” “we,” “us,” or “our”), governing your access to and use of the SplitGrub mobile application, the guest claim web experience, the website at splitgrub.app, and all related software, features, and services (collectively, the “Service”).

Please read these Terms carefully. By creating an account, downloading or installing the app, or otherwise accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not access or use the Service.

This agreement contains, in Section 15, provisions governing how disputes are resolved, including a waiver of class actions and jury trials. Please review Section 15 carefully.

1. Acceptance and Eligibility

1.1 Acceptance.By accessing or using the Service you represent that you have read, understood, and agree to be bound by these Terms. If you use the Service on behalf of another person or entity, you represent that you are authorized to bind them, and “you” includes them.

1.2 Age — 18 or older. The Service is intended for adults. You must be at least 18 years old to create an account or use the Service. By using the Service you represent and warrant that you are 18 or older. The age requirement matches the minimum age of the payment services the Service deep-links to and the adult (including bar-tab) context of the Service. If we learn that a person under 18 has created an account, we will terminate it. If you believe an underage person is using the Service, email privacy@splitgrub.com.

1.3 Geography. The Service is offered in the United States only. You may not use the Service if you are located in, or are a resident of, a country subject to a U.S. embargo, or if you are on any U.S. government restricted-party or prohibited-party list.

2. Account Registration and Security

2.1 Registration. To use most features you must create an account using email code sign-in, Sign in with Apple, or Sign in with Google. You agree to provide accurate information and to keep it current.

2.2 Your responsibility for the account. You are responsible for all activity that occurs under your account and for maintaining the confidentiality of your sign-in credentials and device. You agree to notify us promptly at security@splitgrub.com of any unauthorized use or suspected security breach.

2.3 One person per account. Accounts are for individuals. You may not share, sell, or transfer your account, or let others use it.

3. Description of the Service

SplitGrub helps a group split a bill and settle up at the end of a meal. Core functions include:

• Receipt capture and processing. You (as a “host”) photograph a receipt; the image is processed by optical character recognition (“OCR”) and a language model to extract line items, prices, tax, tip, and merchant name.
• Splitting and claims. Guests join a bill (typically by a magic link or invite), claim items, and see the amount they owe.
• Contacts-based invites. Hosts can invite guests; guests are identified on our side by a one-way hash of their phone number, never the raw number.
• Payment coordination. The Service deep-links to third-party payment rails (for example Venmo, Cash App, Zelle, PayPal, Apple Cash, or cash) so guests can pay the host directly. SplitGrub does not move, hold, or process any payment between users and is not a party to those transfers.
• Audit trail. Certain security-relevant events are recorded for integrity and fraud-prevention purposes.

The Service is a tool for calculating and coordinating who owes what. It is not a bank, money transmitter, payment processor, escrow, or financial-services provider. We do not guarantee that any guest will pay, or that any calculation matches your legal or tax obligations.

4. Acceptable Use and Prohibited Conduct

You agree not to, and not to attempt to, and not to permit anyone else to:

• use the Service for any unlawful, fraudulent, or deceptive purpose, or to launder money or evade any law;
• upload receipts or data you have no right to share, or that contain another person's payment card numbers, government identifiers, or other sensitive data beyond what the Service is designed to process;
• harass, threaten, defraud, or attempt to collect money under false pretenses from other users;
• impersonate any person or misrepresent your affiliation, or invite people who have not consented to be invited in a way that violates anti-spam or telemarketing law;
• upload content that is illegal, infringing, defamatory, obscene, or that contains malware;
• probe, scan, or test the vulnerability of, or breach or circumvent, any security or authentication measure (report vulnerabilities to security@splitgrub.com instead);
• reverse engineer, decompile, or disassemble the app, except to the limited extent that applicable law prohibits this restriction;
• scrape, harvest, or use bots to access the Service, or access it through unauthorized means;
• resell, sublicense, or commercially exploit the Service except as expressly permitted;
• interfere with, overload, or disrupt the Service or its infrastructure; or
• use the Service to build or train a competing product or any machine-learning model.

We may investigate and take appropriate action, including removing content, suspending or terminating accounts, and cooperating with law enforcement, for any violation.

5. User Content

5.1 Your content. “User Content” means the receipts, images, item claims, group and participant data, payment-rail handles, and other information you submit to the Service. As between you and SplitGrub, you retain ownership of your User Content.

5.2 License to operate the Service. You grant SplitGrub a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, and create derived data from your User Content solely to operate, provide, secure, and improve the Service for you and the group you are splitting a bill with, and to route it to the third-party processors described in Section 8 and in our Privacy Policy. This license exists only to run the Service; we do not sell your User Content, run ads against it, or use it to train large language models. It ends when the content is deleted, except for the shared-data and retention realities described below.

5.3 Shared data — a bill has more than one owner. The Service is inherently collaborative. When a host scans a bill and invites guests, the resulting bill, receipt image, and claim data are shared among the participants. As a host, the bill you scanned is your copy. As a guest, the host owns and controls the host's copy of the bill you participated in.

Because a shared bill is not solely yours, deleting your own account or your own copy does not and cannot delete another participant's copy of a bill you shared with them. If you were a guest and want a host's copy removed, you must ask the host to delete it; we cannot override the host's control of their own bill without their involvement. On the host's side, a guest is already represented by a one-way phone-number hash plus the items claimed, not by directly identifying personal data. Account and data deletion, including partial deletion and what is retained, is described on our Data Deletion page and Privacy Policy, and is available in-app.

5.4 Accuracy. OCR and language-model extraction can be wrong. You are responsible for reviewing and correcting any bill before relying on it. SplitGrub is not responsible for math, tax, tip, or allocation errors, or for any dispute among a group about who owes what.

5.5 Feedback. If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.

6. Subscriptions and Auto-Renewal

6.1 Free and premium. The Service offers free functionality and an optional paid “Premium” tier (entitlement: premium). Premium is offered as an auto-renewable subscription in the following plans:

Prices are shown in the app at the point of purchase in your local currency and may change as described in Section 6.4. Any free trial or introductory offer, if presented, is described at purchase; unused portions of a free trial are forfeited when you buy a subscription.

6.2 Billing by the app stores. Payment for a subscription is charged to your Apple App Store or Google Play account, not to SplitGrub. SplitGrub does not receive or store your payment card details. Subscriptions are sold and billed by Apple or Google and managed on our behalf through RevenueCat.

6.3 Auto-renewal — how it works. Your subscription automatically renews at the then-current price for the same period unless you turn off auto-renew at least 24 hours before the end of the current period. Your store account is charged for renewal within 24 hours before the end of the current period. You manage and cancel your subscription in your device's account settings (Apple: Settings → your name → Subscriptions; Google: Play Store → Subscriptions) — not by deleting the app or your SplitGrub account. Deleting the app does not cancel a subscription.

6.4 Price changes. If we change subscription pricing, the change applies to renewals after notice as required by the applicable app store, and, where the store requires, will not take effect without your consent. You may cancel before the change takes effect.

7. Billing, Cancellation, and Refunds

7.1 Cancellation. You may cancel auto-renewal at any time in your app store account settings. Cancellation stops future renewals; you keep Premium access through the end of the paid period.

7.2 Refunds are handled by the app stores. Because Apple and Google bill and collect the subscription, all refund requests are governed by, and must be made to, the Apple App Store or Google Play under their respective policies. SplitGrub generally cannot issue refunds for store-billed subscriptions directly. For Apple purchases, request a refund at reportaproblem.apple.com; for Google Play, use the Play Store refund process. Except where required by law, subscription fees are non-refundable and there are no refunds or credits for partial periods.

8. Third-Party Services

The Service relies on third parties, each with its own terms and privacy practices. Your use of the Service is also subject to the applicable terms of:

• Apple and Google — app distribution, sign-in, and subscription billing;
• RevenueCat — subscription entitlement management on our behalf;
• Azure Document Intelligence — receipt OCR; receives the receipt image;
• Anthropic — language-model cleanup and verification of the receipt OCR; receives the receipt image and the extracted text (not your identity), under commercial terms that do not permit training on the data; and
• the payment rails you choose (Venmo, Cash App, Zelle, PayPal, Apple Cash, etc.), which are independent services we do not control and are not responsible for.

How data flows to these processors and how they handle it is described in our Privacy Policy. SplitGrub is not responsible for the acts, omissions, terms, or availability of any third-party service, and links or deep-links to them are not an endorsement.

9. Intellectual Property

9.1 Ownership. The Service, the SplitGrub app, website, guest PWA, and all software, source code, designs, user interfaces, graphics, logos, and the “SplitGrub” name and marks, and all intellectual property in them, are owned by SplitGrub LLC and are protected by U.S. and international law. All rights not expressly granted to you are reserved.

9.2 License to you. Subject to these Terms, SplitGrub grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the app on a device you own or control, and to use the Service, for your own personal, non-commercial use of splitting bills. This license is the “Licensed Application” license further described in Section 11 for App Store downloads.

9.3 Restrictions. You may not copy, modify, distribute, sell, lease, or create derivative works of the Service, or remove any proprietary notices, except as these Terms or applicable law expressly permit.

10. Privacy

Our collection and use of personal information is described in our Privacy Policy. By using the Service you acknowledge that receipt images and group data are processed by the third parties listed in Section 8, and that guest phone numbers are one-way hashed rather than stored in raw form.

11. Apple App Store — Licensed Application End User License Agreement

This Section 11 applies if you download the app from the Apple App Store, and supplements the rest of these Terms. If there is a conflict with Apple's Licensed Application End User License Agreement, the minimum terms Apple requires control for App Store downloads.

11.1 Acknowledgement. These Terms are concluded between you and SplitGrub only, and not with Apple. SplitGrub, not Apple, is solely responsible for the app and its content. These Terms may not provide for usage rules that conflict with the Apple Media Services Terms and Conditions.

11.2 Scope of license.The license granted to you in Section 9.2 for the app is a limited, non-transferable license to use the app on any Apple-branded product that you own or control, as permitted by the “Usage Rules” in the Apple Media Services Terms and Conditions, except that the app may be accessed by other accounts associated with you via Family Sharing or volume purchasing where applicable.

11.3 Maintenance and support. SplitGrub is solely responsible for providing maintenance and support for the app. Apple has no obligation whatsoever to furnish any maintenance or support services.

11.4 Warranty. SplitGrub is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app to you.To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the app, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are SplitGrub's sole responsibility.

11.5 Product claims. SplitGrub, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your possession and use of it, including (a) product liability claims; (b) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation, including in connection with the app's use of any in-app subscription framework.

11.6 Intellectual property claims.In the event of any third-party claim that the app or your possession and use of it infringes that third party's intellectual property rights, SplitGrub, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of any such claim.

11.7 Legal compliance.You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.

11.8 Developer name and address. The app is provided by SplitGrub LLC, a Texas limited liability company. For questions, support, or complaints regarding the app, contact: support@splitgrub.com / SplitGrub LLC, 1320 Cabelas Dr. #356, Buda, TX 78610-9998.

11.9 Third-party terms. You must comply with applicable third-party terms of agreement when using the app.

11.10 Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

12. Google Play

If you download the app from Google Play, your use is also subject to the Google Play Terms of Service. Subscriptions are billed by Google and managed in the Play Store's Subscriptions settings, and refunds follow Google Play's policies (Section 7). To the extent Google Play's terms require additional or conflicting provisions for downloads from Google Play, those provisions apply to those downloads.

13. Disclaimers — “AS IS”

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPLITGRUB DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

SplitGrub does not warrant that the Service will be uninterrupted, secure, or error-free; that OCR or extracted amounts, taxes, tips, or splits will be accurate; that defects will be corrected; or that any guest will pay any amount owed. You are responsible for verifying every bill and for your own financial and tax decisions. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPLITGRUB AND ITS MEMBER, MANAGERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR AMOUNTS OWED OR NOT PAID BETWEEN USERS, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SPLITGRUB'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID SPLITGRUB (VIA THE APP STORES) FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $50.

These limitations are a fundamental basis of the bargain and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

15. Dispute Resolution

15.1 Informal resolution first. Before bringing any formal claim, you agree to try to resolve the dispute informally by emailing legal@splitgrub.com with a description of the dispute and the relief sought. Many disputes can be resolved that way.

15.2 Courts and venue. Any dispute, claim, or controversy arising out of or relating to the Service or these Terms will be brought exclusively in the state or federal courts located in Texas, and you and SplitGrub consent to the personal jurisdiction and venue of those courts.

15.3 Jury-trial and class-action waiver. You and SplitGrub each waive any right to a jury trial, and agree that any claim will be brought in an individual capacity and not as a plaintiff or class member in any class, collective, or representative proceeding. Either party may bring a qualifying individual claim in small-claims court.

16. Governing Law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. SplitGrub LLC is organized under the laws of the State of Texas.

17. Suspension and Termination

17.1 By you. You may stop using the Service at any time and may delete your account as described on our Data Deletion page or in-app. Deleting your account does not cancel a store-billed subscription — cancel that in your app store settings (Section 6.3).

17.2 By us. We may suspend or terminate your access, with or without notice, if you violate these Terms, if required by law or an app store, or to protect the Service or other users. We may also discontinue the Service or any feature.

17.3 Effect. On termination, the license in Section 9.2 ends and you must stop using the app. Sections that by their nature should survive (including Sections 5.2–5.5, 9, 11, 13, 14, 15, 16, and 18) survive termination.

18. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless SplitGrub LLC and its member, managers, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your User Content, including any bill, receipt, or contact data you upload or invite; (c) your violation of these Terms or of any law or third-party right, including any anti-spam, telemarketing, or privacy law in how you invite guests; or (d) any dispute between you and another user, including any dispute about money owed. We may assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate.

19. Changes to These Terms

We may update these Terms from time to time. When we make a material change, we will update the Effective Date above and provide notice as required (for example, by email to your account address or an in-app notice). Changes are effective when posted, or on a later stated date. Your continued use of the Service after a change takes effect means you accept the updated Terms. If you do not agree, stop using the Service and cancel any subscription.

20. Miscellaneous

20.1 Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and SplitGrub regarding the Service and supersede prior agreements on that subject.

20.2 Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary or severed, and the rest remains in effect.

20.3 No waiver. Our failure to enforce any provision is not a waiver.

20.4 Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

20.5 Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

20.6 Relationship. These Terms do not create any partnership, agency, or employment relationship.

21. Contact

SplitGrub LLC
1320 Cabelas Dr. #356, Buda, TX 78610-9998

• General/legal: legal@splitgrub.com
• Support and billing questions: support@splitgrub.com (or splitgrub.app/support)
• Privacy requests: privacy@splitgrub.com
• Security reports: security@splitgrub.com

These Terms are not a substitute for advice from licensed counsel.