Terms & Conditions — version 2026-08-08.2

This is an archived version, preserved exactly as it was published. It may no longer be the version in force.

View the version in force

Terms & Conditions
Version 3.0, last updated: August 8, 2026

1. Service overview
Spliz is a mobile application operated by Spliz, SASU (contact@spliz.app), that enables users to split shared expenses and settle balances in USDC on the Base network. Spliz is not a financial institution, custodian, or money transmitter. Spliz also lets you buy USDC and withdraw USDC through third-party partners, under the conditions described in section 6.

2. Eligibility
You must be at least 18 years old to use Spliz. By creating an account, you represent that you meet this requirement and that your use complies with all applicable laws in your jurisdiction.

3. Your commitments
By using Spliz, you agree to (a) accurately enter wallet addresses, amounts, and expense information, and verify that information before each signature, because a transaction confirmed on-chain is final; (b) ensure that the funds you use are of lawful origin and that they belong to you or that you are authorized to dispose of them; (c) have the legal capacity to enter into a contract; and (d) use Spliz for personal, non-commercial purposes. You are responsible for the information you provide and the operations you initiate.

4. Wallets & custody
Spliz does not hold, control, or have access to your funds. Settlements are executed by a smart contract on Base from your own signatures. Spliz operates a relayer, a server that submits to the network the transactions you have signed and that bears the network fees for them. Spliz's contracts accept only this relayer. Spliz cannot change the amount, change the recipient, or sign in your place: without your signature, no movement is possible. Spliz can, however, suspend its relayer, and does not guarantee the submission time or its completion. When you withdraw, the transfer of USDC from your wallet to the address provided by the partner is broadcast by this relayer, based on an authorization that you sign and that covers that amount and that destination only. You are solely responsible for the security of your wallet and private keys. As a result, Spliz is technically unable to refund, cancel, freeze, or reverse a transaction, or to recover a wallet, a private key, or funds that are lost, stolen, or sent by mistake. Backing up your keys is your responsibility alone.

5. Fees
Spliz charges a 0.1% fee in USDC on each settlement, with a minimum of 0.10 USDC (about 0.10 euro). Network fees for settlement are covered by Spliz: that is the only amount Spliz charges you, and there is no other. Buying and withdrawing USDC go through an independent partner, which applies its own fees, separate from these and displayed by the partner before you confirm. Spliz receives no share of them. See section 6. Fees are transparent, verifiable, and displayed before each signature. Any change to the fee schedule is communicated to you with at least 15 days' notice, through an in-app notification kept in your notification history and, if you have given us an email address, by email; before the effective date, you may stop using the service and delete your account at no cost. Fees apply per settlement. On settlements below 100 USDC, the 0.10 USDC minimum applies and therefore represents more than 0.1% of the amount.

6. Buying and withdrawing USDC through partners
Spliz lets you buy USDC and withdraw USDC to a bank account or a card. These operations are provided by an independent third-party provider, currently Coinbase, acting under its own terms. We may add, replace, or remove a partner. The partner concerned is shown to you in the app before each operation. Spliz is not a party to that operation. The purchase or withdrawal contract is concluded between you and the partner. At no point does Spliz receive, hold, transport, or convert your funds in euros, in dollars, or in any other legal tender currency. The USDC you buy is delivered by the partner directly to your wallet. When you withdraw, the USDC leaves your wallet to an address provided by the partner, based on an authorization that you alone sign and that covers that amount and that destination only. The partner applies its own terms and conditions, its own privacy policy, its fees, its exchange rates, its identity checks, its amount limits, its accepted payment methods, and its country restrictions. These are set by the partner and may change without Spliz being informed. They are presented to you by the partner before you confirm the operation. Spliz charges no fee on a purchase or a withdrawal and receives no share of the partner's fees. The fees stated in section 5 are Spliz's fees only. The partner may refuse an operation, request supporting documents, cap an amount, or suspend or close your access with it, under its own rules. Spliz can neither cancel, refund, speed up, reverse, nor unblock an operation started with the partner, nor obtain the release of sums the partner holds. An operation may fail, remain pending, or be cancelled by the partner. What happens to the sums concerned is then a matter for the partner and its terms. We track the status of your operations and display it to you in the app. An operation that the partner has not completed within a reasonable time is marked as unsuccessful in the app. That marking is internal to Spliz. It does not prejudge the state of your file with the partner and extinguishes no right you hold against it. For any complaint about a purchase or a withdrawal, in particular an amount debited, fees applied, a delay, a refusal, an identity check, or a refund, contact the partner first. The partner alone holds your file, your identity, and your bank details: Spliz does not collect them. If you do not get an answer, write to us at contact@spliz.app. We will give you the references of the operation as they appear on our side and we will pass your request on. We do not act in place of the partner and we cannot settle a dispute that concerns it. The availability of buying and withdrawing varies with your country, your region, your currency, and your payment method. It depends on the partner's catalogue, which may change at any time. These features may be unavailable where the rest of Spliz works normally. We may suspend or remove them, in whole or for a given country, without notice, in particular if the partner stops, on a regulatory requirement, on a security incident, or for maintenance. Before opening an operation, we also verify that your wallet address does not appear on a sanctions list; if that verification comes back positive or cannot be carried out, the operation is refused. You remain free, at any time, to receive and send USDC directly, without going through a partner.

7. Usage limits
For compliance reasons, the amounts you can settle or transfer through Spliz are capped at 500 euros per operation, 1,000 euros over a rolling 24 hours, and 3,000 euros over a rolling 30 days, that is 550, 1,100, and 3,300 USDC respectively. These limits apply to the amounts you send, not to the amounts you receive. Any change to these limits is communicated to you with at least 15 days' notice under the conditions of section 19, except where a legal or regulatory obligation requires immediate application.

8. Consensus & settlement
Settlement requires 100% consensus: every member of a Spliz must approve with a cryptographic signature before settlement executes. No member can be charged without their explicit approval.

9. Right of withdrawal
Spliz is a digital service performed immediately upon your request. In accordance with Article L.221-28 of the French Consumer Code, by starting to use the service as soon as your account is created, you request its immediate performance and acknowledge that you lose your 14-day right of withdrawal. You remain free to stop using Spliz and to delete your account at any time.

10. Service availability and warranties
Spliz undertakes to provide a service that conforms to the contract and to the criteria of Article L.224-25-14 of the French Consumer Code, and you benefit on that basis from the legal guarantee of conformity for digital services (Articles L.224-25-12 et seq.), of which you cannot be deprived. Spliz is provided on a best-efforts basis: we apply the reasonable diligence of a professional to ensure the availability and proper functioning of the service, without guaranteeing uninterrupted operation or freedom from any defect. The service depends on third-party infrastructure that Spliz does not control (the Base network, USDC, RPC providers), whose limits are described in sections 13 and 14.

11. Limitation of liability
To the maximum extent permitted by law, Spliz shall not be liable for damages arising from causes outside its control, including: the loss or compromise of your private keys, an error in the destination address or amount you entered, the unavailability of an RPC provider or of the relayer, a chain fork or reorganization, a failure or de-peg of USDC or its issuer, or a vulnerability in a third-party smart contract. Spliz shall also not be liable for any indirect, incidental, or consequential damages. Where Spliz is liable as a result of its own fault, its compensation is limited to direct and foreseeable damages, up to the higher of the following two amounts: (i) the total amount of the settlement in connection with which the breach occurred, or (ii) 500 euros. This limitation does not apply in cases of fraud or gross negligence, in cases of personal injury, or where the law prohibits it.

12. Indemnification
You are required to indemnify Spliz for the direct consequences of third-party claims resulting from your breach of these terms, of applicable law, or of the rights of a third party, within the limits of your own fault and excluding damages that would result from a breach by Spliz. This obligation does not cover costs that Spliz would have incurred in the absence of your fault.

13. Blockchain risks
Settlements are executed on the Base network (an Ethereum Layer 2) and are final and irreversible once confirmed. Spliz does not control USDC (issued by Circle), the Base network, or the underlying Ethereum blockchain. Settlements may be delayed or paused in exceptional circumstances (network congestion, emergency maintenance). You acknowledge that on-chain transactions cannot be reversed or canceled after execution.

14. Force majeure
Spliz shall not be liable for any failure or delay in performing the service resulting from an event beyond its reasonable control, including: a massive Base network outage, a failure, freeze, or de-peg of USDC or its issuer, the unavailability of an RPC provider or of the relayer, a chain fork or reorganization, a cyberattack, a regulatory requisition or injunction, or any other event of force majeure within the meaning of Article 1218 of the French Civil Code.

15. Financial disclaimer
Spliz is not a bank, exchange, broker, or financial advisor. Spliz does not provide investment, tax, or legal advice. USDC is a third-party stablecoin and is not legal tender or a government-backed currency. Your funds are not protected by any deposit guarantee scheme (FDIC, FGDR, or equivalent). You are solely responsible for your own tax reporting obligations related to USDC transactions. Spliz is neither authorized nor registered as a crypto-asset service provider, nor as a payment institution or an electronic money institution. USDC is an electronic money token issued by Circle; the right to redeem USDC is exercised against its issuer, not against Spliz. Because Spliz holds no client funds, there are no assets to segregate and no risk of commingling should Spliz become insolvent. Buying and withdrawing USDC are carried out by a third-party partner, which is the regulated actor for these operations and applies its own identity checks.

16. Acceptable use and geographic restrictions
You may not use Spliz (a) for any unlawful purpose, including money laundering, financing of terrorism, sanctions evasion, fraud, market manipulation, or tax evasion; (b) to attempt to circumvent the AML and sanctions controls described in our Privacy Policy section 9; (c) to harass, defame, or harm other users; (d) to upload content that infringes intellectual property rights or contains malware; or (e) to scrape, reverse-engineer, or interfere with the operation of the service. You represent that you neither reside nor are located in a jurisdiction targeted by comprehensive sanctions, in particular Iran, North Korea, Cuba, Syria, Russia, the Crimea region, and any other territory designated by the OFAC, EU, or UN sanctions regimes, and that you are not on any sanctions list. Spliz does not verify your geographic location: complying with this clause is your responsibility. Spliz does verify that your wallet address does not appear on a sanctions list, and refuses the operation if it does or if that verification cannot be carried out. We may suspend or terminate accounts for violation of this section without notice and report illegal activity to the competent authorities.

17. Objectionable content, moderation, and reporting
Spliz does not accept any objectionable content or any abusive behavior toward other users. This includes harassment, offensive, hateful, or sexually explicit content, spam, impersonation, and content that infringes the rights of a third party. Reporting: any user can report a piece of content or a member from within the app; anyone, including people who do not use Spliz, can report content to us at abuse@spliz.app. A report sent from the app receives an immediate, automated acknowledgement of receipt. A report sent by email is confirmed as received without undue delay. In both cases, we review it as quickly as possible and, as a rule, within 24 business hours. Moderation: decisions are made by a person, with no automated decision-making. Depending on the seriousness, measures range from a warning to removal of the content, suspension, and then termination of the account. Reasons and appeals: any removal of content, suspension, or termination is notified to you with an indication of the facts at issue, the clause relied on, and the available means of challenge (contact@spliz.app, then a consumer mediator or the competent court); measures taken following your report are also notified to you. Except where the law or the seriousness of the facts requires otherwise, termination is preceded by reasonable notice allowing you to withdraw your funds and retrieve your data. Where a report raises a suspicion of a criminal offence involving a threat to the life or safety of persons, we inform the competent authorities without delay.

18. Consumer mediation
If you are a consumer and a dispute arises, first send us a written complaint at contact@spliz.app: we undertake to respond. In accordance with Article L.612-1 of the French Consumer Code, you have the right to use a consumer mediator free of charge; Spliz is finalizing its membership of an approved mediation scheme and will give you its full contact details as soon as that membership is effective. In the meantime, write to us at contact@spliz.app to obtain those details. Recourse to mediation is optional: it never deprives you of the right to bring the matter directly before the competent court, and it is not a precondition to legal action. If you reside in another Member State of the European Union, you can also contact the European Consumer Centre in your country (https://www.europe-consommateurs.eu).

19. Modifications
We may update these terms from time to time. We will notify you of material changes at least 15 days before they take effect, through an in-app notification kept in your notification history and, if you have given us an email address, by email. If you do not accept the revised terms, you may delete your account at no cost and withdraw your funds before the effective date. Continued use after the effective date constitutes acceptance of the revised terms.

20. Governing law and jurisdiction
These terms are governed by the laws of the French Republic. Any dispute arising out of or in connection with the use of Spliz that cannot be resolved amicably shall be brought before the competent court. If you are a consumer, you may bring proceedings, at your choice, before the court of the place where you are domiciled or before one of the courts having territorial jurisdiction under the code of civil procedure. Spliz may bring proceedings against you only before the courts of the Member State where you are domiciled. Where you are protected by mandatory provisions of the law of your habitual residence, this clause does not deprive you of the protection they afford.

21. General provisions
Severability: if any provision of these terms is held void, unlawful, or unenforceable, the remaining provisions remain in full force and effect. Entire agreement: these terms, together with the Privacy Policy and the Legal Notice, constitute the entire agreement between you and Spliz regarding the service, without prejudice to the pre-contractual information provided to you, which forms an integral part of the contract. No waiver: Spliz's failure to exercise a right under these terms does not constitute a waiver of that right. Assignment: Spliz may assign or transfer these terms, including in the context of a merger, acquisition, or reorganization, subject to your rights being preserved; you may not assign your rights or obligations without our prior written consent. In the event of an assignment, you may terminate the contract and delete your account at no cost, withdrawing all of your funds, within 30 days of notification of the assignment. Language: these terms are drafted in French, English, and Spanish. In the event of a discrepancy between the versions, the French version prevails.

22. Contact
For questions about these terms, contact us at contact@spliz.app.