Please read these Terms of Service ("Terms") carefully before using the Let's Split mobile application or website at letsplit.app (collectively, the "Service") operated by Loby Technologies Private Limited ("we," "our," or "us").
By downloading, installing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 13 years old to use the Service. By using the Service, you represent and warrant that you meet this age requirement. If you are under 18, you represent that you have your parent's or guardian's consent to use the Service.
The Service is intended for use in India and complies with applicable Indian laws. Users outside India may access the Service but do so at their own risk and are responsible for compliance with their local laws.
2. Your Account
To use the Service, you must create an account by providing your phone number. We authenticate you using a one-time password (OTP) sent to that number. You are responsible for:
- Providing accurate and complete information during registration.
- Keeping your account secure. Do not share your OTP with anyone.
- All activity that occurs under your account.
If you suspect unauthorised access to your account, contact us immediately at support@letsplit.app.
We reserve the right to disable or terminate accounts that violate these Terms or that we reasonably believe are being used fraudulently.
3. The Service
Let's Split is an expense tracking and bill-splitting tool. The Service allows you to:
- Create groups and record shared expenses among members.
- Split expenses equally, by exact amounts, or by percentage.
- Track balances and record settlements between group members.
- Find friends on the platform using your device contacts (see our Privacy Policy for how contacts are handled).
3.1 No Payment Processing
Let's Split does not process, hold, transfer, or facilitate any monetary payments. We record expense and settlement information for informational purposes only. Any actual transfer of money between users happens entirely outside the Service (e.g., via UPI apps, bank transfers, or cash). We are not a payment service provider, financial institution, or money transmitter and are not regulated as such.
3.2 No Financial Advice
The balances and summaries shown in the Service are based solely on information entered by you and other group members. We do not verify the accuracy of this information. Nothing in the Service constitutes financial, legal, or accounting advice.
4. User Content
"User Content" means any information you submit to the Service, including expense descriptions, group names, and profile information.
- You retain ownership of your User Content.
- By submitting User Content, you grant us a limited, non-exclusive licence to store, display, and process it solely to provide and improve the Service.
- You are solely responsible for the accuracy of User Content you submit.
- You must not submit content that is false, misleading, defamatory, illegal, or that infringes the rights of any third party.
5. Prohibited Conduct
You agree not to:
- Use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
- Impersonate any person or entity, or falsely represent your affiliation with any person or entity.
- Use the Service to harass, abuse, or harm another person.
- Attempt to gain unauthorised access to any part of the Service, our servers, or any related systems.
- Reverse engineer, decompile, or disassemble the Service or attempt to extract its source code.
- Use automated means (bots, scrapers, etc.) to access or interact with the Service without our prior written consent.
- Use the Service to transmit spam, unsolicited messages, or malware.
- Interfere with or disrupt the integrity or performance of the Service.
6. Intellectual Property
The Service, including its design, code, graphics, logos, and content created by us, is owned by Loby Technologies Private Limited and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal, non-commercial purposes in accordance with these Terms. This licence does not permit you to copy, modify, distribute, sell, or sublicence any part of the Service.
"Let's Split" and the Let's Split logo are trademarks of Loby Technologies Private Limited. You may not use them without our prior written permission.
7. Third-Party Services
The Service uses third-party services including Google Firebase (for authentication, analytics, and crash reporting) and cloud infrastructure providers. Your use of the Service is also subject to the terms and privacy policies of those third-party providers.
We are not responsible for the practices or content of any third-party services. Links to third-party websites within the Service are provided for convenience and do not constitute our endorsement.
8. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES INCLUDING BUT NOT LIMITED TO:
- Warranties of merchantability, fitness for a particular purpose, and non-infringement.
- Warranties that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.
- Warranties regarding the accuracy, reliability, or completeness of any information provided through the Service.
We do not warrant that balances or expense calculations in the Service are accurate. You are responsible for verifying all financial information with the relevant parties directly.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LOBY TECHNOLOGIES PRIVATE LIMITED AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF:
- Your use of or inability to use the Service.
- Any errors or inaccuracies in User Content or expense data.
- Any disputes between users regarding expenses or settlements.
- Unauthorised access to or alteration of your data.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) ₹1,000.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability, so the above limitations may not fully apply to you.
10. Indemnification
You agree to indemnify, defend, and hold harmless Loby Technologies Private Limited and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your use of the Service, your User Content, or your violation of these Terms.
11. Termination
You may stop using the Service and delete your account at any time from within the app (Account Settings → Delete Account).
We may suspend or terminate your access to the Service at any time, with or without notice, for any reason including if we believe you have violated these Terms.
Upon termination, the rights granted to you under these Terms will immediately cease. Sections that by their nature should survive termination (including Sections 6, 8, 9, 10, 13, and 14) shall survive.
12. Changes to the Service
We reserve the right to modify, suspend, or discontinue the Service (or any part of it) at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.
13. Changes to These Terms
We may revise these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and notify you through the app or by email (if provided). Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms.
If you do not agree to the revised Terms, you must stop using the Service and delete your account.
14. Governing Law and Disputes
These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.
Any dispute arising from or relating to these Terms or the Service shall first be attempted to be resolved informally by contacting us at support@letsplit.app. If the dispute cannot be resolved informally within 30 days, it shall be subject to the exclusive jurisdiction of the courts located in India.
15. Contact Us
If you have questions about these Terms, please contact us:
Loby Technologies Private Limited
Email: support@letsplit.app
Website: https://letsplit.app