General Terms and Conditions (Terms of Service) for the "Split" App

Last updated: September 4, 2026 · Version 1.3

This English translation is provided for convenience. The German version is legally binding.

§ 1 Scope and Provider

(1) These Terms of Service govern the use of the mobile application "Split" (hereinafter the "app") and the associated server services.

(2) The contracting party is the operator of the "Split" app, reachable at info@trysplit.de (hereinafter the "Provider", "we").

(3) A user is any natural person who uses the app. These terms address you directly. The app is aimed at consumers within the meaning of § 13 of the German Civil Code (BGB).

(4) Deviating or supplementary terms that you set do not become part of the contract unless we expressly agree to their application in text form.

§ 2 Subject Matter of the Contract and Description of Services

(1) Split is an application for jointly recording and splitting expenses in groups. Its range of functions includes in particular:

a) creating groups and recording expenses,
b) automatically reading receipts from photos using AI-assisted text recognition,
c) splitting amounts among individual people,
d) calculating balances and settlement suggestions,
e) displaying stored bank details and generating transfer QR codes,
f) reminder and notification features.

(2) The contract for the use of the app is concluded as soon as you create a user account and accept these terms.

(3) We owe the provision of the app in its current version as made available. There is no entitlement to the retention of a specific range of functions, a specific design, or a specific technical implementation. § 9 remains unaffected.

§ 3 Expressly: Not a Payment Service

(1) Split does not execute payments, does not accept funds, does not hold funds in custody, and does not forward funds.

(2) The app exclusively displays information, in particular calculated amounts and bank details you have stored yourself, and generates from this a transfer data record for use in your banking application. You initiate the transfer yourself with your bank.

(3) The Provider therefore does not provide a payment service within the meaning of the German Payment Services Supervision Act (ZAG) and is not a party to the payment obligations existing between users.

(4) We assume no responsibility for the correctness of the bank details stored or for the actual execution, reversal, or non-execution of payments between users.

§ 4 Registration, User Account, Minimum Age

(1) Use requires a user account. Registration is possible via email and password or via Apple's sign-in service.

(2) Use requires a minimum age of 16 years. By registering, you confirm that you have reached this age.

(3) Upon registration, you choose a username. It must be at least four characters long, is unique within the app, and must not infringe the rights of third parties, in particular trademark or naming rights, and must not be unlawful, offensive, or misleading. We are entitled to change or block usernames that violate these requirements.

(4) You must keep your access credentials secret and inform us immediately if there are indications of unauthorized use.

(5) The information you provide during registration must be accurate. Multiple accounts created to circumvent restrictions or to obtain benefits improperly are not permitted.

§ 5 Free and Paid Services

(1) The core features of Split can be used free of charge. These include in particular manual entry of expenses, an unlimited number of groups, the calculation of balances, the settlement suggestion, and on-device receipt recognition. In addition, each account has a limited free quota of cloud recognitions; the amount is shown in the app.

(2) There are exactly three paid products:

Split Pro is available as a monthly subscription and as an annual subscription. Both cover the same range of services and differ only in term and price. Only one of the two terms can be active at any given time; a switch is possible via the App Store's subscription management and takes effect, according to the rules there, at the end or beginning of the respective billing period.

The Vacation Pass is not a subscription. It does not renew itself and does not need to be canceled; it ends automatically after seven days. If you buy a Vacation Pass while another Vacation Pass is already active, its term is extended by a further seven days. While a Split Pro subscription is active, you cannot buy a Vacation Pass, as the same service is already available.

The prices displayed in the App Store at the time of purchase, including VAT, are always authoritative.

(3) The contracting party for purchases is Apple. All paid services are purchased exclusively through the App Store's in-app purchase system. The purchase contract for these services is concluded between you and Apple Distribution International Ltd., not with us. In this respect, Apple's General Terms and Conditions for the Apple Media Services apply.

(4) Invoicing, payment processing, withdrawal, and refunds are therefore governed by Apple's terms and must be handled through Apple. We have no influence on Apple's refund decisions.

(5) Our obligation to perform is limited to unlocking the purchased feature in your account after Apple confirms the purchase.

§ 6 Subscription, Vacation Pass, Term, Cancellation, and Withdrawal

(1) Split Pro (monthly subscription) has a term of one month and renews automatically for one further month at a time. Split Pro (annual subscription) has a term of one year and renews automatically for one further year at a time. Both apply unless the subscription is canceled in time.

(2) Cancellation takes place via the device's system settings under Settings → Apple Account → Subscriptions or at https://apps.apple.com/account/subscriptions. What counts is the Apple ID used for the purchase. Cancellation via the app itself is not technically possible, as Apple handles subscription management. The app contains a reference to this management in an appropriate place.

(3) The cancellation takes effect at the end of the current billing period. Until then, the service remains fully usable. There is no pro-rata refund for the period already paid.

(4) According to Apple's requirements, the cancellation must be made via the Apple ID at least 24 hours before the end of the current period to prevent the subscription from renewing again. This applies equally to the monthly and to the annual subscription.

(5) Cancellation by us: We may terminate the subscription in the ordinary course with one month's notice to the end of the month. The right to extraordinary termination for good cause remains unaffected, in particular in the event of significant violations of § 8.

(6) After the subscription ends, bills already created are retained. Features reserved for the subscription are no longer available. Free months from the referral program (§ 7) that have not yet been used remain in place and are used afterwards.

(7) Vacation Pass. The Vacation Pass unlocks the range of services of Split Pro for seven days from the time of purchase. It is a one-time service: it does not renew, is not billed again, and does not require cancellation. After the seven days expire, the Pro features are no longer available; bills already created remain unchanged. The expiry date is kept on our server and displayed in the app.

(8) Right of withdrawal. Consumers generally have a fourteen-day right of withdrawal for contracts concerning digital content. Since the purchase contract for Split Pro and for the Vacation Pass is concluded between you and Apple Distribution International Ltd. pursuant to § 5 (3), a withdrawal must be declared to Apple. In this respect, the General Terms and Conditions of the Apple Media Services apply.

(9) Early start of performance and expiry of the right of withdrawal. Split Pro and the Vacation Pass are unlocked immediately after confirmation of the purchase and are available in full right away. With the purchase, you expressly request that performance of the contract begin before the end of the withdrawal period, and at the same time confirm your knowledge that you lose your right of withdrawal upon complete performance of the contract (§ 356 (5) BGB). This declaration is obtained during the App Store purchase process.

(10) Refunds. Apple decides on refunds in accordance with the terms of the Apple Media Services. Refund requests are to be submitted at https://reportaproblem.apple.com. We have no influence on these decisions; your statutory claims against us remain unaffected.

§ 7 Referral Program

(1) You receive a personal referral code. If a newly registered person redeems this code, the referral is assigned to their account.

(2) The reward is one free month of Split Pro for you as the referrer. It arises only when the referred person takes out a Split Pro subscription, not already upon redemption of the code. One free month is granted for each referred person who takes out a subscription; the number of referrals is not limited.

(3) A free month comprises 30 days of Split Pro. Multiple free months are strung together. They are credited to your account and take effect as soon as any paid subscription ends; an active subscription billed through Apple is neither shortened nor interrupted by the credit.

(4) The referred person receives no benefit. The regular terms apply to them.

(5) There is no entitlement to payment in money or to a refund. Free months are non-transferable and non-tradable.

(6) We may change or end the program at any time with effect for the future. Free months already granted remain unaffected.

(7) In the event of abusive use, in particular self-referral, automated account creation, or sham accounts, we may revoke granted free months and block access.

§ 8 Your Obligations

(1) You undertake not to misuse the app. The following in particular are prohibited:

a) uploading unlawful, offensive, or rights-infringing content,
b) entering bank details over which you have no authority to dispose,
c) using the app for fraudulent purposes,
d) automated scraping, circumventing technical protection measures, reverse engineering beyond what is legally permitted,
e) actions that impair the availability or security of the services,
f) circumventing the in-app purchase system.

(2) You ensure that you are authorized to process the data of third parties that you enter into the app, such as the names of group members.

(3) In the event of violations, we may remove content, restrict features, or block the account. For minor violations, a warning is issued beforehand, insofar as this is reasonable.

(4) You indemnify us against third-party claims based on a culpable breach of these obligations, including reasonable costs of legal defense.

§ 9 Availability, Changes, Discontinuation of the Service

(1) We strive for high availability but do not owe it around the clock. Maintenance work, disruptions on the internet, and events beyond our control may lead to interruptions.

(2) We may further develop and adapt the app and change individual features insofar as this is reasonable for you and the purpose of the contract is not jeopardized. We will provide notice of significant changes within a reasonable period.

(3) Discontinuation of the service: We may discontinue operation of the app with a notice period of three months. Active subscriptions end when the discontinuation takes effect; for periods already paid in advance that can no longer be used afterwards, we will provide a pro-rata refund. Before discontinuation, we will make it possible to export your own data.

(4) Acquired rights relate to the current version as provided. With a purchase or subscription, you acquire the right to use the current version of the app as made available, to the agreed extent. This does not create an entitlement to a specific future range of functions.

§ 10 Scan Feature and AI-Assisted Recognition

(1) The automatic recognition of receipt contents is currently performed using the AI service Claude by Anthropic PBC.

(2) The recognition is inherently prone to errors. We assume no responsibility for the correctness, completeness, or assignment of the recognized items, quantities, and amounts. You are obliged to check the results before saving. The app points this out to you.

(3) If this service becomes unavailable, for example because its provider discontinues it, changes its terms, or its use is no longer economically viable, recognition can be switched to Apple's text recognition available on the device. The range of functions is reduced in this case, in particular with regard to recognition accuracy and the assignment of items. This circumstance is expressly pointed out.

(4) If such a switch occurs during an active subscription and leads to a significant impairment of the subscribed service, you have an extraordinary right of termination with an entitlement to a pro-rata refund of the period already paid.

(5) The Privacy Policy applies to the transmission of receipt images to the AI service.

§ 11 Rights to Content

(1) All rights to the app, its source code, its design, and its content remain with us or our licensors.

(2) You receive a simple, non-transferable, non-sublicensable right to use the app on devices you own or control, for private purposes. In addition, the usage rules of the Apple Media Services apply.

(3) You retain all rights to the content you enter (expenses, groups, names). You grant us the simple right to store and process this content for the purpose of performing the contract and to display it to the group members concerned.

§ 12 Warranty

The statutory provisions apply, in particular §§ 327 et seq. BGB on contracts for digital products. We are obliged to provide the app in a condition in conformity with the contract for the duration of the contract and to provide the necessary updates.

§ 13 Liability

(1) We are liable without limitation for damages arising from injury to life, body, or health that are based on an intentional or negligent breach of duty by us, our legal representatives, or our vicarious agents, as well as for damages based on intent or gross negligence.

(2) In the event of a slightly negligent breach of a material contractual obligation, our liability is limited in amount to the foreseeable damage typical for the contract. Material contractual obligations are those whose fulfillment makes the proper performance of the contract possible in the first place and on whose observance you may regularly rely.

(3) In all other respects, liability is excluded.

(4) Liability under the German Product Liability Act and in the event of the assumption of a guarantee remains unaffected.

(5) Clarification: We are not liable for financial losses arising from amounts being entered incorrectly, assignments being made incorrectly, results of the automatic recognition being adopted without checking, or payments being made to the wrong recipients. The amounts calculated by the app are non-binding calculation aids and do not establish payment claims of their own.

(6) For the free part of the services, we are liable only in cases of intent and gross negligence.

§ 14 Termination of the User Contract and Account Deletion

(1) You may delete your account at any time without giving reasons in the app's settings: Account → Delete Account. This ends the user contract.

(2) We may terminate the user contract with one month's notice. The right to extraordinary termination for good cause remains unaffected.

(3) Upon deletion of the account, the personal data is deleted in accordance with the Privacy Policy. Entries concerning bills with other group members are retained for them in anonymized form.

(4) An existing subscription is not automatically ended by the account deletion. It must additionally be canceled via the system settings. The app expressly points this out before deletion.

§ 15 Changes to These Terms of Service

(1) We may change these Terms of Service if this becomes necessary due to a change in the legal situation, supreme court case law, technical circumstances, or the range of services, and you are not unreasonably disadvantaged as a result.

(2) We will provide notice of intended changes at least six weeks before the planned effective date in the app and, if provided, by email. The changed version is made fully accessible in the process and the changes are highlighted.

(3) The change only takes effect if you expressly agree to it. If you do not agree, you may terminate the contract without notice and free of charge up to the planned effective date. We point out this right in the notification.

§ 16 Consumer Dispute Resolution

We are neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board (§ 36 VSBG).

§ 17 Governing Law and Place of Jurisdiction

(1) The law of the Federal Republic of Germany applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG).

(2) If you are a consumer whose habitual residence is in another state, mandatory consumer protection provisions of that state remain unaffected (Art. 6 (2) of the Rome I Regulation).

(3) The statutory places of jurisdiction apply to consumers. If you are a merchant, a legal entity under public law, or a special fund under public law, the place of jurisdiction is Munich.