Terms of Service
Last updated: 9 September 2026
These Terms of Service, which we will call the "Terms", set out the rules by which you may use Splitrip. They explain how the Services work and what you may and may not do with them. They are also a legally binding contract between us and you, which you accept by using the Services. Please read them carefully. If you do not agree with them, do not use the Services. If you have any question, write to us at support@splitrip.com.
The most important thing in this document is Section 2.1. Splitrip records who owes whom. It never holds, moves or guarantees anyone's money.
Table of Contents
1. The Basics
1.1 Key Terms
We are Splitrip, a product managed by Mobile Flow Ltd, and we will refer to ourselves as "Splitrip", "we", "us" or "our". Our registered address is Kiryat HaMada St 20, Jerusalem, Israel 9777600, company registration number 517148722.
When we say "you", we mean anyone using the Services.
When we refer to the "App" we mean the Splitrip mobile application and any web view of a trip we make available. When we refer to the "Services" we mean the App and everything available through it, together with this website.
A "trip" is a record you create in the App. A "member" is a person listed on a trip's roster, who may or may not have an account. An "organiser" is the member who created the trip.
1.2 Privacy
When you use the Services we process personal data about you. Our Privacy Policy explains what we collect, what we do with it, who we share it with, and the rights you have. It also explains that receipt and booking files are stored in the cloud and sent to Google for extraction, that links you save from Instagram or TikTok are looked up through those platforms, and that trip data is stored in the cloud rather than only on your device. Please read it.
1.3 Changes to these Terms
We may update these Terms from time to time and will post the updated version on this page with the date it was published. If you continue to use the Services after we update them, you accept the updated version.
2. Our Services
Subject to these Terms, you may use the Services on a non-exclusive basis for your own personal, non-commercial use. The Services let you record a trip, the people on it, what was spent, how it was split, and what has been paid back — and they compute balances and a settlement plan from that record.
2.1 What Splitrip Is, and What It Is Not
Splitrip is a record-keeping and calculation tool. It performs arithmetic on figures that you and the other members of your trip enter.
Splitrip does not accept, hold, escrow, transmit or otherwise process funds. It is not a bank, a payment institution, a money transmitter, an escrow agent, a lender or a debt-collection service. It is not connected to your bank account or your cards, and it never has custody of anyone's money.
When you record a settlement in the App, you are recording a claim that a payment happened elsewhere. We do not verify that the payment occurred, we do not effect it, and we do not guarantee it. Any dispute about whether a payment was actually made, or about how much anyone owes, is a matter between you and the other members of your trip.
Nothing in the Services is financial, tax, accounting or legal advice.
2.2 Pre-Release Software
Splitrip is currently a pre-release product made available to a limited group of testers, including through Apple TestFlight. It is not generally available on the Apple App Store or Google Play. Pre-release software may contain defects, may change substantially, and may be withdrawn. Features described on our website or in the App may be changed or removed before general release. You should keep your own copy of anything you cannot afford to lose.
2.3 Trips, Members and Share Links
- A trip is shared. Every member of a trip can see the whole of it — the roster, every expense with its amount, date, note and payer, every split, every settlement, any receipt or booking file attached to it, the shared plan and the places and links saved to it, and the record of who created or edited each entry. Do not enter into a trip anything you are not willing for the other members to see.
- Anyone with the link can join. A share link grants access to that one trip without an account. It is your responsibility to send a trip link only to the people you intend to include, and to ask us to revoke it if it goes further than you meant.
- You may add people by name. If you add someone to a roster and record amounts against their name, you are making an assertion about that person. You are responsible for the accuracy of what you enter and for having a proper basis to enter it. See also Section 7.
- Entries are attributed. Every row records who created it and every edit made to it, and other members will see that.
- Deletion is limited by design. Expenses are soft-deleted so they can be restored, and trips are archived rather than destroyed, because other people's balances depend on the record.
2.4 Currencies and Exchange Rates
Where an expense is in a currency other than the trip's base currency, the Services convert it using an exchange rate that is frozen onto that expense when it is created and is not recalculated afterwards. Rates are derived from daily reference rates published by the European Central Bank, and where no rate was published for a date (for example a weekend or a holiday) the previous published rate is carried forward and labelled as such.
Reference rates are not the rate your bank or card issuer gives you, and they are not a quotation or an offer. The App lets you override any rate by hand for exactly that reason. We do not warrant that any rate reflects what you were actually charged.
2.5 Receipt Scanning and Other AI Features
Some features use a third-party artificial-intelligence provider. If you photograph a receipt or add a booking confirmation, that image or PDF is stored on your trip and also sent to Google's Gemini API and read; if you type an expense in plain language, that text and the display names on your trip are sent and parsed; if you name a place, that name is sent to be located; and if you save a link from Instagram or TikTok, it is looked up through that platform and its text may be sent to be turned into a place. Our Privacy Policy sets this out in detail.
- Extraction is not guaranteed to be correct. Automatic reading of receipts and bookings is imperfect and will sometimes be wrong, and a place a model suggests may be wrong.
- You confirm before anything is saved. No extracted value enters a trip until you review it and accept it. Once you accept it, it is your entry.
- Do not supply what you do not want processed by a third party. Every expense and plan item can be entered by hand instead, and the manual path is never restricted.
- Saving from Instagram and TikTok. When you save a link we fetch that platform's own public preview; we never download, copy or re-host the video. A screenshot you add is read on your device and is not uploaded.
- We may apply fair-use limits to AI-assisted features. Reaching a limit will never prevent you from entering an expense manually.
2.6 Settling Up
The Services can compute a settlement plan and can hand you off to a payment application you already use, with an amount pre-filled. That hand-off is a convenience only. The payment is made by you, in that other application, under that provider's terms; we do not receive it, route it, confirm it or take a fee on it. Marking a settlement as paid records your assertion, and the other member may acknowledge it.
3. User Accounts
3.1 Using Splitrip Without an Account
You can use the Services without creating an account: opening a trip link creates an anonymous identity on your device that is scoped to that trip. You may later create an account, in which case that identity is upgraded in place and your existing entries stay with you.
3.2 Anonymous Identities and Device Loss
An anonymous identity lives on the device that created it. If you lose that device, uninstall the App, or clear its data without first creating an account, you may permanently lose access to trips held only under that identity. Creating an account is the only way to make your access recoverable and to use it on more than one device.
3.3 Reservation of Rights
Subject to applicable law, we may refuse to open an account for any individual or entity at our sole discretion.
3.4 Unauthorised Use
Tell us immediately of any unauthorised use of your account or of a trip link. You are responsible for activity on your account even where it was not performed by you. To the fullest extent permitted by law we are not responsible for losses arising from unauthorised use of your account. We may investigate suspected violations of these Terms, but we cannot guarantee that we will learn of or prevent every misuse of the Services.
4. Fees and Payment
4.1 Current Position
The Services are currently provided free of charge during the pre-release period. We do not currently sell subscriptions or one-time purchases, and we do not process payments from you.
4.2 Future Paid Plans
We may introduce paid plans. If we do, prices and terms will be shown in the App or in the applicable application marketplace before you buy, and any purchase would be billed by that marketplace (for example the Apple App Store or Google Play) under its terms, not by us. Subscriptions offered through a marketplace renew automatically at the then-current price unless you cancel through that marketplace's account settings before the renewal date, which for most marketplaces means at least twenty-four (24) hours before the end of the current period.
4.3 Cancellations and Refunds
Where a purchase is made through an application marketplace, cancellations and refunds are handled under that marketplace's terms and requests should be addressed to it. You may also contact us at support@splitrip.com and we will help where we can.
4.4 Taxes
Where applicable, taxes including VAT may be charged. If payments are subject to tax withholding, the amount to be withheld will be added to the fees charged.
4.5 Third-Party Processors
If you are directed to a third-party payment processor, that service's own terms and privacy policy apply. Please review them before using it.
5. Use Restrictions
You may not do, attempt to do, or allow a third party to do, any of the following: (1) decipher, decompile, disassemble or reverse-engineer any code or software used to provide the Services, including framing or mirroring them; (2) copy, modify or distribute the Services; (3) circumvent or interfere with security-related features, including attestation, authentication or access-control mechanisms; (4) use any robot, spider or automated process to retrieve, index or data-mine the Services, or to enumerate trips or share links; (5) use another person's account or share link without permission; (6) remove, alter or conceal any copyright, trademark or other notice in the Services; or (7) use the Services in any manner not permitted by applicable law, including export-control and sanctions law.
5.1 No Use as a Financial Service
You may not present the Services to anyone as a payment service, an escrow service, a lending product or a guarantee of payment, and you may not use them to operate a money-transmission, lending or debt-collection business. The Services record obligations; they do not create, secure, transfer or enforce them.
5.2 Other People's Information
You may not use the Services to harass, defame, threaten or pressure another person, to record obligations you know to be false, or to collect or publish information about someone in breach of their rights. A trip is a shared record about identifiable people, and you are responsible for what you write into it.
5.3 Enforcement
You may not use the Services if doing so is unlawful. We will cooperate with law enforcement authorities or court orders requesting the identity, behaviour or User Content of anyone believed to have violated these Terms or to have engaged in illegal behaviour in connection with the Services.
6. Representations
By accepting these Terms you represent that: (a) you are at least 18 years old and able to form a binding contract; (b) your use of the Services will not violate any applicable law or any obligation you owe to a third party; and (c) any registration information you submit is and will remain truthful and accurate.
7. Privacy
If you provide us with personal data about other people — including by adding a person to a trip roster by name, recording an amount against them, or uploading a receipt that identifies someone — you represent that: (i) you have provided all necessary notices and have, and will maintain, all rights and legal bases required under applicable law for us to process that data in order to provide the Services, as described in our Privacy Policy; and (ii) you will keep a record of those legal bases where applicable law requires it.
If a person you added asks us to remove or anonymise their entry, we may do so, and we may tell you that we have.
8. Intellectual Property
Our property. We retain all worldwide intellectual property rights, title and interest in the App and the Services, including their overall appearance and any text, graphics, designs, interfaces and underlying source files, any content we provide, and our name, trademarks and logos. Where we have obtained the right to use elements from others, those elements are owned by their respective owners. Allowing you to use the Services does not transfer ownership or any other right to you, and does not allow you to use our name, trademarks or logos as your own.
Your property. User Content you provide through the Services remains yours. By providing it you allow us to use it in connection with providing the Services, including copying, storing, transmitting and preparing derivative works of it where necessary to do so — for example, storing a receipt or booking file on your trip and sending it for extraction, or showing an expense you entered to the other members of your trip. If you give us feedback about the Services, we may use and share it freely.
9. User Content
User Content means any material you provide through the Services, including trip names, member names, expenses, amounts, notes, receipt photographs, booking documents, itinerary and plan items, places and links you save from Instagram or TikTok, shared lists, ideas and group decisions, imported files and settlement records.
Restrictions. You are and remain fully and solely responsible for your User Content. You may not provide User Content, or act in any way, that: (i) violates the legal rights of others; (ii) infringes the intellectual property, moral, publicity, privacy or other rights of any third party or would cause us to do so; (iii) is in furtherance of any illegal, fraudulent or violent activity; (iv) breaches any applicable law, rule or regulation; (v) contains material we reasonably determine to be offensive, including material promoting hate, violence or discrimination; (vi) constitutes harassment or a threat; or (vii) is obscene.
10. Indemnification
You agree to indemnify, defend and hold harmless Splitrip and Mobile Flow Ltd, and their employees, subcontractors and agents, from and against any claim, damage or loss, including reasonable court costs, attorneys' fees and any fines incurred, arising directly or indirectly from your: (a) breach of these Terms, including any of your representations or warranties, whether by you or by anyone using your account or device and whether or not that use was authorised by you; (b) use or misuse of the Services; (c) violation of any law or regulation, including breach of applicable data-protection laws; (d) infringement of any right of any third party; and/or (e) dispute with any other member of a trip about money.
We agree to indemnify, defend and hold you harmless from and against any claim, damage or loss, including reasonable court costs and attorneys' fees, that you incur in connection with any actual or threatened third-party claim that the Services, as delivered, infringe any patent or copyright or misappropriate any trade secret — provided that we shall have no responsibility for any claim to the extent resulting from (a) use of the Services not in compliance with these Terms or applicable law; (b) combination of the Services with anything we did not provide; (c) modification of the Services by anyone other than us; or (d) use of a version of the Services that is not the most up-to-date.
A party claiming indemnification ("Indemnitee") shall: (i) promptly give the other party ("Indemnifying Party") written notice of the claim; (ii) allow the Indemnifying Party to control the defence and settlement, provided no settlement requiring action by the Indemnitee may be entered into without its consent and the Indemnitee may engage its own counsel at its own expense; and (iii) reasonably cooperate at the Indemnifying Party's expense.
11. Disclaimers
DISCLAIMER OF WARRANTIES. THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS, AND — BEING PRE-RELEASE SOFTWARE — MAY BE INCOMPLETE, INTERRUPTED OR WITHDRAWN. OTHER THAN THE WARRANTIES MADE EXPLICITLY IN THESE TERMS, WE MAKE NO ADDITIONAL WARRANTIES (IMPLIED, STATUTORY OR OTHERWISE) ABOUT THE APP OR THE SERVICES, INCLUDING WITHOUT LIMITATION THAT THEY WILL BE OF GOOD QUALITY, USEFUL FOR YOUR PARTICULAR PURPOSE, ACCURATE, ERROR-FREE (OR THAT ERRORS WILL BE CORRECTED), RELIABLE, SECURE, COMPLETE, NON-INFRINGING, OR AVAILABLE IN A TIMELY MANNER.
Figures. The balances, splits, totals and settlement plans the Services produce are computed from figures entered by you and by the other members of your trip. WE DO NOT WARRANT THAT ANY FIGURE IN THE SERVICES IS ACCURATE, COMPLETE OR OWED, AND WE ARE NOT A PARTY TO ANY OBLIGATION BETWEEN MEMBERS OF A TRIP. Check the numbers before you rely on them or pay against them.
Automatic extraction. WE EXPRESSLY DISCLAIM ANY WARRANTY REGARDING THE ACCURACY OR COMPLETENESS OF ANY VALUE READ FROM A RECEIPT PHOTOGRAPH OR PARSED FROM TEXT. The Services show you an extraction for confirmation precisely because it may be wrong.
Exchange rates. Rates are reference rates, are not a quotation or an offer, and will not match what your bank or card issuer charged you.
Payments. We do not verify, effect or guarantee any payment between members of a trip. A settlement recorded in the App is a claim, not proof.
Third parties. We cannot control services provided by third parties and assume no responsibility for network failure, interruption or congestion, or for the behaviour of any payment application you are handed off to. We cannot control the actions of bad actors and do not guarantee that we will prevent unauthorised access to or alteration of the Services.
Users. We cannot anticipate or control the actions or inactions of anyone else. WE DISCLAIM ALL LIABILITY, REGARDLESS OF THE FORM OF ACTION, FOR THE ACTS OR OMISSIONS OF ANY AND ALL USERS (INCLUDING UNAUTHORISED USERS), OTHER THAN WHERE SOLELY DUE TO OUR GROSS NEGLIGENCE OR WILFUL MISCONDUCT.
User Content. User Content comes from sources outside our control. We take no responsibility for its accuracy, usefulness, safety, appropriateness or non-infringement, and your use of it is at your own risk.
Data. Splitrip is not a backup or archiving service. You are responsible for keeping your own copy of anything you cannot afford to lose.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SPLITRIP AND MOBILE FLOW LTD (AND THEIR EMPLOYEES AND SUBCONTRACTORS) SHALL NOT BE RESPONSIBLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, WHETHER OR NOT SUCH DAMAGES ARE FORESEEABLE AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THEM. THIS INCLUDES, WITHOUT LIMITATION, ANY AMOUNT ANOTHER PERSON DOES OR DOES NOT PAY YOU.
OUR MAXIMUM AND AGGREGATE LIABILITY UNDER THESE TERMS AND UNDER ANY CAUSE OF ACTION WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID US IN THE SIX MONTHS PRECEDING THE DATE ON WHICH THE APPLICABLE CLAIM AROSE, AND (B) FIFTY UNITED STATES DOLLARS (USD 50).
13. Term and Account Termination
13.1 Term
These Terms take effect when you accept them or first use the Services, and continue until terminated as described below.
13.2 Termination by Splitrip
We may suspend or terminate your access (and, by association, these Terms) at any time and for any reason on three days' prior notice. We may do so immediately if: (i) you violate the letter or spirit of these Terms; (ii) you engage in fraudulent, abusive or illegal behaviour, or harass or harm other users, third parties or our business interests; or (iii) you fail to pay any fee you are required to pay, including where you initiate a chargeback. If your account is terminated you may not rejoin by opening a new one without our permission.
13.3 Termination by You
You may stop using the Services at any time, and you may ask us to delete or anonymise your data as described in our Privacy Policy. Because a trip is a shared record, removing you from it does not delete the other members' account of the trip.
13.4 Survival
Even if your access is terminated, you remain bound by those sections of these Terms which by their nature are meant to survive termination.
14. Application Marketplace
The App may be subject to additional third-party terms relating to the marketplace or beta-distribution service from which it was obtained. The third parties providing those services may be beneficiaries of these Terms, pursuant to their own terms.
The following applies if you obtained the App from Apple, including through TestFlight.
Apple Inc. ("Apple") is not a party to these Terms and is not responsible for the App.
Your licence to use the App is not transferable and is limited to use on Apple products that you own or control, and as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except as permitted via Family Sharing, volume purchasing or Legacy Contacts.
In the event of a failure to conform to any applicable warranty (if any is applicable), you may notify Apple, and Apple will refund the purchase price of the App to you (if you paid any). Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will not be Apple's responsibility.
Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession or use of it, including (i) product liability claims, (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement, and (iii) claims arising under consumer protection or similar legislation.
Apple will not be responsible for the investigation, defence, settlement or discharge of a claim that your use of the App infringes a third party's rights.
Apple and its subsidiaries are third-party beneficiaries of these Terms and Apple will have the right to enforce these Terms against you as a third-party beneficiary. You represent and warrant that (i) you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
15. Force Majeure
Neither party will be liable for any default or delay in performing its obligations under these Terms to the extent caused by a natural disaster, act of God, act of war or terrorism, riot, third-party labour strike, pandemic or other similar occurrence beyond its reasonable control, provided the affected party makes all reasonable efforts to comply despite the occurrence and notifies the other party as soon as reasonably practicable. Payment obligations may be delayed by a force majeure event but are not excused.
16. Notices
To give an official notice under these Terms, either we or you may send it by courier, registered mail or email to the addresses we provide to each other. A notice may be assumed received one (1) business day after delivery by courier, four (4) business days after delivery by registered mail, and one (1) business day after email transmission. Our address for notices is support@splitrip.com.
17. General
These Terms constitute the entire agreement between us and you regarding the Services, and any other agreement existing between us regarding the Services is hereby terminated. We may assign our rights and obligations under these Terms to any third party. You may not assign yours, and any attempt to do so is void. A waiver of any right regarding a breach or default does not waive any other breach or default. If a court rules that a provision of these Terms is unenforceable, that provision shall be replaced with an enforceable provision that most closely achieves the effect of the original, and the remaining terms remain in full force. Nothing in these Terms creates any agency, employment, joint venture or partnership relationship between us and you, and nothing enables you to act on our behalf.
17.1 Governing Law, Forum and Disputes
Except as provided below, these Terms are governed by the laws of the State of Israel, without regard to its conflict-of-laws rules and without regard to the United Nations Convention on the International Sale of Goods, and the competent courts of the State of Israel shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Services.
These Terms do not require you to resolve disputes through binding arbitration, and they do not waive your right to participate in a class, collective or representative action, to the extent such rights are available to you under applicable law.
If you are a consumer resident in the United States (or in any other jurisdiction whose law grants you non-waivable rights), nothing in these Terms deprives you of the protection of the mandatory consumer-protection provisions of the law of your place of residence, and you may be entitled to bring, or have heard, claims in the courts of your place of residence where applicable mandatory law so provides. The governing-law and exclusive-forum provisions above apply only to the extent permitted by the mandatory law applicable to you.