Terms of Service

By downloading, installing, or using Splitrate, you agree to these Terms of Service. The app has an age rating of 4+ and is suitable for all ages. Minors should use the app under parental guidance, particularly regarding financial education. These Terms of Service, together with our Privacy Policy, form the complete agreement between you and the developer. If you do not agree to these terms, please do not use the app.

Splitrate is a personal finance management app for households, couples, and roommates. Core features include: expense tracking, budget management, savings goals, and settlement tracking between household members. The app is designed for organizing and visualizing shared finances with a local-first architecture that prioritizes your privacy. You can optionally sync your data via iCloud across your Apple devices. Splitrate has no connection to banks, payment providers, or financial institutions. No actual money transfers or payments are processed.

The full app unlock costs 2.99 euros (or the equivalent in your local currency). This is a one-time payment, NOT a subscription. There are no recurring fees or auto-renewals. The app contains no advertisements. Payment is processed exclusively through the Apple App Store, and Apple's payment terms and conditions apply. Purchase restoration is available for the same Apple ID. Refund requests must be directed to Apple per their refund policy. Price may vary by region due to currency conversion and local taxes.

We grant you a limited, personal, non-commercial license to use Splitrate. This license is non-exclusive and non-transferable. The license is valid for all devices linked to your Apple ID. You may use the app on multiple personal devices per Apple's Family Sharing policies.

You may not modify, adapt, or create derivative works from the app. Reverse engineering, decompilation, or disassembly is prohibited. Redistribution, resale, or sublicensing is not permitted. You may not remove copyright or proprietary notices. Use for commercial purposes or in business settings is not allowed without permission. Automated data extraction or scraping is prohibited.

The accuracy of entered financial data is your responsibility. App calculations are based solely on user-provided information. We recommend securing your device with a passcode, Face ID, or Touch ID. Enable iCloud backup to prevent data loss. Keep iOS updated for security and compatibility. You are responsible for all activity under your Apple ID.

All financial data you enter remains your property. By default, data is stored locally on your device. With iCloud sync enabled, data is stored in your private iCloud account. The developer has no access to your financial data. Data export is available in CSV and JSON formats. You are responsible for data backups.

Full details are in our separate Privacy Policy. There is no tracking, analytics, or user profiling. Data is not sold or shared with third parties. No advertising networks or SDKs are used. Camera access is only for receipt photos (permission required). Push notifications are optional and user-controlled. Biometric data is processed locally by iOS and never transmitted.

The app is ONLY an organizational and visualization tool. It is NOT financial advice, tax advice, or legal advice and is NOT a substitute for professional financial consultation. Calculations and projections are estimates based on your input. You are solely responsible for financial decisions. There is no guarantee of accuracy for budget calculations or projections. We are not responsible for financial losses based on app usage. Consult qualified professionals for your financial planning.

The app is provided AS IS and AS AVAILABLE. No express or implied warranties are given. There is no guarantee of uninterrupted or error-free operation. No warranty of fitness for a particular purpose is provided. There is no warranty that the app will meet specific requirements. Features may change with updates.

The developer is not liable for indirect, incidental, or consequential damages. No liability for loss of data, profits, or financial losses. No liability for device malfunction or iOS compatibility issues. No liability for iCloud sync failures (Apple's responsibility). Maximum liability is limited to the amount paid for the app (2.99 euros). Some jurisdictions may not allow liability limitations.

The app, design, code, and content are the developer's property. The Splitrate name and logo are trademarks. All rights not expressly granted are reserved. User-generated content (financial data) remains user's property. No transfer of intellectual property rights occurs through purchase.

Apple App Store terms apply to purchase and download. Apple's Standard EULA applies as a baseline. iCloud terms apply if sync is enabled. Apple is a third-party beneficiary of these terms. No other third-party services or integrations are used.

You may terminate by deleting the app from all devices. To fully delete all data: uninstall the app AND remove Splitrate from iCloud Drive if sync was enabled. The developer may update terms with notice in the app or on the website. Continued use after changes constitutes acceptance. Material changes will be highlighted. German law governs these terms. Disputes are subject to German jurisdiction. EU consumers retain their mandatory consumer protection rights. Contact: support@splitrate.app.