Terms & Conditions, version 2026-10-25

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Terms & Conditions
Version 5.0, last updated: November 2, 2026, effective when published in the app

1. Service overview
IF YOU LIVE IN THE UNITED STATES: SECTION 17 CONTAINS AN AGREEMENT TO RESOLVE DISPUTES BY INDIVIDUAL ARBITRATION AND A WAIVER OF CLASS ACTIONS. YOU CAN OPT OUT WITHIN 30 DAYS.
Spliz is a mobile application operated by Spliz, SASU with share capital of 100 euros, registered with the Melun Trade and Companies Register under number 103 530 937, 20 rue de Coeuilly, 77340 Pontault-Combault, France, phone +33 6 95 24 48 61, contact@spliz.app, that enables users to split shared expenses and see who owes what. Spliz is not a bank, payment institution, or financial advisor, and does not provide investment, tax, or legal advice. Spliz offers no payment service between users (section 4). Spliz also offers an optional subscription, Spliz Premium, described in section 16.

2. Eligibility
You must be at least 18 years old to use Spliz. By using Spliz, with an account or as a guest, you represent that you meet this requirement and that your use complies with all applicable laws in your jurisdiction. If we learn that you are under 18, we do not open an account for you and we may close an existing one, after letting you retrieve your data and, if your account held funds, access them (section 4).

3. Your commitments
By using Spliz, you agree to (a) accurately enter amounts and expense information; (b) have the legal capacity to enter into a contract; and (c) use Spliz for personal, non-commercial purposes. You are responsible for the information you provide.

4. End of payments
Spliz no longer offers any payment, transfer, purchase, or withdrawal of money. The amounts recorded in Spliz show who owes what: Spliz does not collect, hold, or transfer them. Members pay each other back outside Spliz, and you can record those repayments in the app. Repayments paid before this version came into force stay in your Spliz history and in your data export, for the retention period stated in the Privacy Policy. If your account held funds, you keep access to them through the recovery page on the website, https://spliz.app/export-wallet, at no cost. Before closing this access, Spliz gives you at least 6 months’ notice, in the app and on that page. Payments made before this version came into force remain governed by the version of these terms you had accepted when you made them.

5. Right of withdrawal
Using Spliz without a subscription is free. You may end the contract at any time, at no cost and without giving a reason, by deleting your account. Spliz Premium is covered by section 16.7.

6. 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 does not guarantee uninterrupted operation: maintenance or an incident may temporarily suspend the service. These interruptions do not set aside the legal guarantee of conformity or Spliz's liability under the law.

7. Limitation of liability
To the extent permitted by law, Spliz is not liable for damages arising from causes outside its control, including an error in an amount or in information you entered, or a repayment made outside Spliz. Where Spliz is liable for a breach of its obligations, it compensates the direct and foreseeable damage resulting from it, under Articles 1231-3 and 1231-4 of the French Civil Code. If you are a consumer, this compensation is not subject to any cap, subject to section 17.5 if you live in the United States. If you are not acting as a consumer, it is limited to 500 euros; this cap does not apply in cases of fraud or gross negligence, in cases of personal injury, or where the law prohibits it.

8. 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.

9. Force majeure
Spliz shall not be liable for any failure or delay in performing the service resulting from an event of force majeure within the meaning of Article 1218 of the French Civil Code. Where they meet its criteria, such events may include: a cyberattack, or a regulatory requisition or injunction.

10. Acceptable use and geographic restrictions
You may not use Spliz (a) for any unlawful purpose, including money laundering, financing of terrorism, sanctions evasion, fraud, or tax evasion; (b) to harass, defame, or harm other users; (c) to upload content that infringes intellectual property rights or contains malware; or (d) to scrape, reverse-engineer, or interfere with the operation of the service. You represent that you neither reside nor are located in any country or region subject to comprehensive sanctions under the OFAC, EU, or UN sanctions regimes, and that you are not on any sanctions list. You also represent that you are not on any U.S. government restricted party list, including the OFAC Specially Designated Nationals list and the Commerce Department's Entity List and Denied Persons List, and that you will not use or export Spliz in violation of U.S. export control laws. Spliz does not verify your geographic location: complying with this clause is your responsibility. In case of a serious violation of this section (unlawful activity, sanctions, fraud), we may suspend or terminate your account without notice and report the facts to the competent authorities. In other cases, section 11 applies.

11. 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 (support@spliz.app, then a consumer mediator or the competent court, or, if you live in the United States, the process in section 17.2); 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 retrieve your data and, if your account held funds, to access them (section 4). 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.

12. Consumer mediation
If you are a consumer and a dispute arises, first send us a written complaint at support@spliz.app: we undertake to respond. If it is not resolved, you may refer the dispute free of charge, within one year of that complaint, to the consumer mediator Spliz belongs to, in accordance with Article L.612-1 of the French Consumer Code: CM2C (Centre de la Médiation de la Consommation de Conciliateurs de Justice), 49 rue de Ponthieu, 75008 Paris, France, https://www.cm2c.net/declarer-un-litige.php, litiges@cm2c.net. 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).

13. Modifications
13.1 Entry into force of this version. This version enters into force on the day it is published in the app. It applies to your account as soon as you expressly accept it. You accept it by creating your account, after the notice that refers you to it, or later in the app. On the day it is published, an in-app notification informs existing accounts of it, with the new text and a summary of the changes. Until you accept it, the version you last accepted continues to apply to you; you then cannot subscribe to Spliz Premium. You may delete your account at no cost at any time.
13.2 Future changes. We may change these terms for a valid reason: a change in the service or technology, security, a legal or regulatory obligation, or a change of provider. Each change is announced to you through an in-app notification, with the new text and a summary of the changes. It applies to you in one of the following two ways. (a) Express acceptance: the change applies as soon as you accept it in the app. Until you accept it, the version you last accepted continues to apply to you, with the effects described in section 13.1. (b) Advance notice: the notification is sent to you at least 15 days before the effective date of the change. You may delete your account at no cost before that date or at any time after it. A change that reduces your rights, adds a limit, changes a price or changes how disputes are resolved always follows route (a). Continued use of Spliz never counts as acceptance of a change.
13.3 Notices. The notification stays in your notification history as long as you have neither accepted the change nor deleted your account. You agree that we may give you any notice about these terms or your subscription in the app, and that a notice kept in your notification history is a notice in writing.

14. Governing law and jurisdiction
If you live in the United States, section 17 applies instead of this section. 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.

15. 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 and the public statements made by or on behalf of Spliz, which form 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, 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, unless another version is more favorable to you. If you live in the United States, the English version prevails.

16. Spliz Premium
16.1 Subscription. Spliz Premium is an optional subscription. You can use Spliz without it. Spliz Premium requires an account.
16.2 What it includes. With Spliz Premium, you can take part in up to 100 ongoing Spliz at a time, instead of 5 without a subscription. A Spliz is ongoing from the moment you create or join it until you leave it. A Spliz closed by a group settlement made in the app before this version came into force is not counted. A Spliz whose debts were paid outside the app, for example in cash or by a reimbursement recorded in the app, stays ongoing until you leave it. The sample Spliz created for you counts towards this limit, like any other ongoing Spliz. Spliz Premium also gives access to receipt scanning, up to 20 scans per person per calendar month, in universal time. Unused scans do not carry over. These numbers are also shown in the app before you buy; they change only under the conditions of section 16.10. The limit of 5 ongoing Spliz without a subscription applies only to accounts that have expressly accepted this version (section 13.1). Receipt scanning is reserved for Spliz Premium.
16.3 Without a subscription. Viewing a Spliz, adding or editing an expense, inviting, leaving a Spliz, recording a repayment, cancelling your subscription and deleting your account remain possible without a subscription. Reaching a limit only prevents you from creating or joining a new Spliz, or from scanning a receipt. Nothing you already have is taken away.
16.4 Price and payment. The subscription is weekly, monthly or yearly, with no free trial except under a promotional offer (section 16.12), and gives the same rights whatever its duration. It is sold only in the app, through the Apple App Store or Google Play, which collects the payment as the seller, under its own terms. The price, currency and taxes are those shown by the store before you buy.
16.5 Automatic renewal. Your subscription renews automatically at the end of each period, for the same duration, and continues until you cancel. Each renewal is charged to your App Store or Google Play account at the price shown when you subscribed, unless you have accepted a new price under section 16.10. To avoid the next charge, cancel before the renewal date, within the time set by your store. Spliz reminds you in the app of the renewal date and how to cancel twice before each renewal of a yearly subscription: 35 days before the renewal, and again between 20 and 25 days before it. For a weekly or monthly subscription, Spliz reminds you 35 days before each 12-month anniversary of continuous subscription. If you do not receive a reminder within these periods, you may cancel at any time after the renewal and get a refund of the unused part of the period. There is no commitment beyond the current period.
16.6 Cancellation and end of subscription. You can cancel anytime, at no cost, in your App Store or Google Play subscription settings. The app takes you there from Settings, Spliz Premium. After you cancel, Spliz Premium stays active until the end of the period you paid for. When your subscription ends, nothing is deleted: your Spliz, expenses and balances stay available, and the limits without a subscription apply again. Deleting your Spliz account does not cancel your subscription: cancel it in your store first. If Spliz terminates your account, it tells you how to cancel the subscription in your store. Unless you committed a serious violation, Spliz refunds the unused part of the current period.
16.7 Right of withdrawal. If you are a consumer, you have 14 days from each subscription to withdraw, without giving a reason. The automatic renewal of the same subscription does not open a new period. To withdraw, use the store that collected the payment (App Store: the purchase history of your Apple account; Google Play: your Google Play account), or send us a clear statement at support@spliz.app, for example: "I withdraw from my Spliz Premium subscription taken out on [date], username [username]." All amounts paid for the subscription you withdraw from, since you took it out, are refunded within 14 days of your request, by the store or, failing that, by Spliz under section 16.8. Section 5 does not apply to Spliz Premium.
16.8 Refunds. Apple handles all refund requests for App Store purchases, at reportaproblem.apple.com. For Google Play purchases, you can ask Google Play for a refund within 48 hours of the charge; after that, write to support@spliz.app: Spliz reviews your request and may refund you through Google Play. Except where the law requires otherwise or as stated in these terms, a period that has started is not refunded. Nothing in these terms limits a refund right you have under the law of your place of residence. If the store refuses a refund that the law or these terms grant you, write to support@spliz.app: Spliz refunds you the amount due directly, up to the amounts you paid for the subscription concerned, by a means you accept.
16.9 Receipt scanning. Scanning reads a receipt photo automatically. The amount is prefilled only if the receipt total could be checked, and the expense is saved only after you confirm it. Check the amount before you confirm. The photo is sent to a reading provider under the conditions described in the Privacy Policy. A photo that is read counts as a scan, even if it does not show a receipt; a reading that fails does not count. Scanning may be paused temporarily, in particular if the reading provider is unavailable or if the month's volume exceeds the planned capacity. A scan refused during a pause is not counted.
16.10 Changes to the offer and price. Spliz may change Spliz Premium for a valid reason: technical change, cost or availability of a provider, security, legal obligation. A change never costs you more and never reduces the rights of a period already paid. A reduction of rights follows route (a) of section 13.2: it applies only if you expressly accept it in the app. Spliz announces it in the app 30 days before the renewal concerned. If you do not accept it, your subscription ends at the end of the current period, at no cost. A price increase applies only if you accept it through the App Store or Google Play. Spliz announces it in the app 30 days before the renewal concerned, with how to cancel. If you do not accept it, your subscription ends at the end of the current period and you are not charged the new price. Only improvements apply without your acceptance.
16.11 Conformity and liability. Spliz Premium is covered by the legal guarantee of conformity for digital services described in section 6. If there is a defect, write to support@spliz.app: Spliz brings the service into conformity within a reasonable time, and failing that you can obtain a price reduction or termination of the contract, carried out through a refund by the store or, failing that, by Spliz under section 16.8. Spliz's liability is governed by section 7, within the limits permitted by law.
16.12 Promotional offers. Any free or discounted offer uses the promotional mechanisms of the relevant store. On the App Store, these offers use Apple’s offer codes. The duration, eligibility conditions, subsequent price and any renewal conditions are shown before the offer is redeemed.
16.13 Disputes. For a dispute about Spliz Premium, sections 12 (mediation) and 14 (governing law and jurisdiction) apply, or, if you live in the United States, section 17 only. A request about payment, refund or cancellation can also be addressed to the store, under its terms.

17. If you live in the United States
This section applies only if you live in the United States.
17.1 Governing law. These terms are governed by the laws of France, without regard to conflict-of-law rules. This choice does not deprive you of the protection of the mandatory consumer laws of your state of residence. Section 17.2 is governed by the Federal Arbitration Act and, to the extent state law applies to its formation, validity or enforcement, by the law of your state of residence, and not by French law. Section 14 does not apply to you, except where section 17.2 is held unenforceable; in that case, you may bring your claim in the state or federal courts of the county where you live.
17.2 Disputes and arbitration. Please read this section: it affects how disputes are resolved. It binds you from the moment you expressly accept a version of these terms that contains it. (a) Contact us first. Before starting a claim, send support@spliz.app a written description of the dispute and the relief you want. Spliz will do the same. Both sides will try in good faith to resolve it within 60 days. Any time limit for bringing a claim is suspended during these 60 days. (b) Individual arbitration. If the dispute is not resolved, you and Spliz agree to resolve any dispute arising out of or relating to Spliz or these terms by binding individual arbitration, administered by the American Arbitration Association under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules. The arbitration takes place by video or in the county where you live, as you choose. Spliz pays all American Arbitration Association filing, administration and arbitrator fees beyond the consumer filing fee set by those rules, and pays them on time. You and Spliz waive any right to a jury trial for claims covered by this section. This section also covers claims against Spliz's officers, employees and agents relating to Spliz. (c) Small claims. Either side may instead bring an individual claim in small claims court, if it qualifies. (d) No class actions. Claims may be brought only individually, not as a plaintiff or class member in any class, collective or representative proceeding. The arbitrator may not consolidate claims of more than one person. If this paragraph is found unenforceable for a claim seeking public injunctive relief, that claim will be decided by a court after the arbitration of all other claims, and the rest of this section still applies. (e) Mass filings. If 25 or more similar arbitration demands are filed by or with the help of the same law firm or organization, the AAA Mass Arbitration Supplementary Rules and the AAA mass arbitration fee schedule apply. Each demand remains an individual arbitration and receives its own award. (f) Opt out. You may opt out of this section within 30 days after you first expressly accept a version of these terms that contains it, by emailing support@spliz.app with your Spliz username and the words "arbitration opt-out". Opting out does not affect any other part of these terms or any earlier opt-out. (g) Exceptions. Either side may bring claims for infringement of intellectual property and requests for urgent injunctive relief in court. (h) Who decides. The arbitrator decides any question about the scope, validity or enforceability of this section, except that a court decides any question about paragraphs (d) and (e). A claim never proceeds as a class, collective or representative arbitration. (i) Changes and survival. A change to this section applies to you only after you expressly accept it in the app, and never to a claim already filed or already notified under paragraph (a). You may reject it by emailing support@spliz.app within 30 days after that acceptance, in which case the version you had accepted before continues to apply. This section survives the deletion of your account and the end of these terms.
17.3 Warranties. TO THE EXTENT THE LAW OF YOUR STATE ALLOWS, SPLIZ IS PROVIDED "AS IS" AND "AS AVAILABLE", AND SPLIZ DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Section 7 applies to you, subject to section 17.5.
17.4 App Store and copyright. If you downloaded Spliz from the Apple App Store, Apple's Licensed Application End User License Agreement also applies to your use of the app. If it conflicts with these terms, these terms prevail, except for the rights it grants Apple. If you believe content in Spliz infringes your copyright, send a notice under the Digital Millennium Copyright Act to abuse@spliz.app, with the information required by 17 U.S.C. § 512(c)(3). If your content was removed and you believe it was a mistake, you may send a counter-notice under 17 U.S.C. § 512(g)(3) to the same address. Spliz removes infringing content and closes the accounts of repeat infringers.
17.5 Limitation of liability. TO THE EXTENT THE LAW OF YOUR STATE ALLOWS, SPLIZ IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR LOST PROFITS, AND SPLIZ'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO SPLIZ IS LIMITED TO THE GREATER OF THE AMOUNTS YOU PAID FOR SPLIZ PREMIUM AND SPLIZ FEES IN THE 12 MONTHS BEFORE THE CLAIM, OR 100 US DOLLARS. THIS LIMIT DOES NOT APPLY TO FRAUD, WILLFUL MISCONDUCT, GROSS NEGLIGENCE OR PERSONAL INJURY.

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