Terms of Service

1. Agreement to Terms

By downloading, installing, or using OurSplit ("App," "Service," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and OurSplit.

2. Description of Service

OurSplit is a mobile application that helps users track personal and shared expenses, manage budgets, and split costs with others. The Service includes:

• Personal expense and income tracking
• Shared accounts for group expense management (Pro feature)
• Cloud synchronization across devices (requires account)
• Categorization and reporting tools
• Recurring payment tracking
• Optional Pro subscription with enhanced features

3. Account Registration

3.1 Guest Mode

You may use the App without creating an account ("Guest Mode"). In Guest Mode:

• All data is stored locally on your device
• No cloud synchronization is available
• Shared accounts are not available
• If you uninstall the App or lose your device, all data will be permanently lost

3.2 Account Creation

To access cloud synchronization and shared accounts, you must create an account using:

• Google Sign-In
• Apple Sign-In

You are responsible for:

• Maintaining the security of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

3.3 Eligibility

You must be at least 13 years old (or 16 in the European Economic Area) to use the App. By using the App, you represent that you meet this age requirement.

4. Subscription Terms

4.1 Free vs Pro

OurSplit offers two tiers:

• Free: Personal expense tracking with advertisements
• Pro: Paid subscription including shared accounts, no ads, and premium features

4.2 Subscription Payments

Pro subscriptions are processed through:

• Apple In-App Purchase (iOS)
• Google Play Billing (Android)

By subscribing, you agree to the following:

• Pricing: Subscription prices are displayed in the App and may vary by region
• Billing Cycle: Subscriptions are billed monthly or annually, depending on your selection
• Auto-Renewal: Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period
• Payment: You will be charged through your Apple ID or Google Play account upon confirmation of purchase
• Renewal Charge: Your account will be charged for renewal within 24 hours prior to the end of the current period

4.3 Managing Subscriptions

You can manage and cancel subscriptions through:

• iOS: Settings > Apple ID > Subscriptions
• Android: Google Play Store > Subscriptions
• In-App: Settings > Subscription Management (opens respective store)

4.4 Cancellation

You may cancel your subscription at any time. Upon cancellation:

• You will retain Pro features until the end of the current billing period
• No refund will be provided for the remaining period
• Your account will revert to Free tier after expiration
• Shared account data remains accessible in read-only mode for Free users

4.5 Free Trials

We may offer free trials from time to time. If you do not cancel before the trial ends, you will be automatically charged for the subscription at the standard rate.

4.6 Refund Policy

All subscription payments are processed by Apple or Google. Refund requests must be submitted directly to the respective platform:

• Apple: Request a refund
• Google: Request a refund

We cannot process refunds directly as we do not handle payment information.

4.7 Price Changes

We reserve the right to change subscription prices at any time. Price changes will:

• Be communicated in advance via email and/or in-app notification
• Not affect existing subscriptions until the next renewal period
• Provide you the option to cancel before the new price takes effect

5. User Conduct and Prohibited Uses

You agree NOT to:

• Use the App for any illegal purpose or in violation of any local, state, national, or international law
• Violate or infringe upon the rights of others, including intellectual property rights
• Upload, transmit, or distribute any malicious code, viruses, or harmful software
• Attempt to gain unauthorized access to the Service, other accounts, or computer systems
• Reverse engineer, decompile, or disassemble the App
• Use automated systems (bots, scripts, etc.) to access the Service
• Impersonate any person or entity or falsely state your affiliation
• Harass, abuse, or harm other users
• Use the Service to distribute spam or unsolicited messages
• Scrape, extract, or harvest data from the Service

Violation of these terms may result in immediate termination of your account.

6. User Content and Data

6.1 Your Data

You retain all rights to the financial data, expense records, and other content you create or upload to the App ("User Content"). By using the Service, you grant us a limited license to:

• Store and process your data to provide the Service
• Synchronize your data across your devices
• Backup your data for disaster recovery purposes

6.2 Data Accuracy

You are solely responsible for the accuracy and legality of your User Content. We are not responsible for any errors, omissions, or consequences resulting from your use of the App.

6.3 Backup Responsibility

6.4 Shared Account Data

When you participate in a shared account:

• You grant other account members access to expenses and data you add to that account
• The account owner may remove you at any time
• You may leave a shared account at any time
• Deleting your user account does NOT delete data from shared accounts

7. Intellectual Property

7.1 Our Rights

The App, including its design, code, graphics, logos, and content, is owned by OurSplit and protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or create derivative works of the App
• Sell, lease, or sublicense the App
• Remove or alter any proprietary notices

7.2 License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes, subject to these Terms.

7.3 Trademarks

"OurSplit" and associated logos are trademarks of OurSplit. You may not use our trademarks without prior written permission.

8. Third-Party Services

The App integrates with third-party services including:

• Google Sign-In and Firebase (authentication, analytics, push notifications)
• Apple Sign-In
• RevenueCat (subscription management)
• Google AdMob (advertisements for free users)

Use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices or content of third-party services.

9. Disclaimers and Limitation of Liability

9.1 "As-Is" Basis

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that the App will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, reliability, or completeness of data

9.2 No Financial Advice

OurSplit is a tracking tool only. We do NOT provide financial, tax, or legal advice. You should consult qualified professionals for financial decisions.

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from your use or inability to use the Service
• Damages caused by errors, bugs, or interruptions
• Damages resulting from third-party services or unauthorized access

Our total liability to you for any claim arising from these Terms or the Service shall not exceed the amount you paid for the Pro subscription in the 12 months preceding the claim, or $50, whichever is greater.

9.4 Jurisdictional Variations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such cases, our liability will be limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless OurSplit, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any third-party rights
• Your User Content

11. Termination

11.1 By You

You may terminate your account at any time by:

• Going to Settings > Account > Delete Account
• Emailing us at soluzione.apps@gmail.com

Account deletion is permanent and irreversible. All your data will be permanently deleted within 30 days.

11.2 By Us

We may suspend or terminate your account immediately, without prior notice, if:

• You violate these Terms
• We suspect fraudulent, abusive, or illegal activity
• We are required to do so by law
• We discontinue the Service (with reasonable notice)

11.3 Effect of Termination

Upon termination:

• Your right to use the App immediately ceases
• Your data may be deleted (subject to legal retention requirements)
• No refunds will be provided for unused subscription periods
• Provisions of these Terms that should survive (e.g., liability limitations) will remain in effect

12. Changes to the Service and Terms

12.1 Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation of the Service.

12.2 Terms Updates

We may update these Terms from time to time. Changes will be effective upon posting to this page with a new "Last Updated" date. Significant changes will be communicated via:

• In-app notification
• Email to your registered email address

Continued use of the App after changes constitutes acceptance of the updated Terms.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

13.2 Dispute Resolution

Any disputes arising from these Terms or the Service shall be resolved through:

1. Informal Negotiation: Contact us at soluzione.apps@gmail.com to attempt to resolve the dispute informally
2. Binding Arbitration: If informal negotiation fails, disputes will be resolved through binding arbitration (where permitted by law)

You agree to waive your right to participate in a class action lawsuit or class-wide arbitration.

13.3 Exceptions

Either party may seek equitable relief (e.g., injunctions) in court for intellectual property infringement or unauthorized access.

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and OurSplit regarding the Service.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

14.3 No Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign our rights and obligations without restriction.

14.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control (e.g., natural disasters, acts of terrorism, internet outages).

14.6 Export Compliance

You agree to comply with all applicable export and import laws and regulations.