Terms and Conditions

Effective October 24, 2026 · Version 2026-10-24

These terms apply to the Split Guru app, website and related services for splitting a restaurant bill with friends. It is made by Ruslan Butov (“we”, “us”). In the app they are called Terms of Use. Questions go to [email protected].

Agreement

When you continue past an app screen that links these terms and says you agree, you accept this agreement with Ruslan Butov. Please read it before continuing. Use of the website is subject to these terms where applicable; simply visiting it does not consent to optional data processing. The iOS app is also licensed under Apple’s standard license agreement for apps; that license governs the app license and these terms govern our services. Your mandatory consumer rights take priority over any conflicting provision. If you don’t agree, do not accept or use the services.

Operator and a future company

Ruslan Butov operates Split Guru as an individual today. We may later assign or transfer the service and this agreement, including the rights and obligations needed to operate it, to a company formed to run Split Guru or to a successor in a reorganization or business sale. We will identify the new operator, its contact details and the effective date through an updated notice and an appropriate direct notice before the change where required. We will obtain any consent or agreement that applicable law requires for the transfer.

The successor must assume the applicable service obligations and respect existing purchases, privacy commitments and mandatory rights. Transfer alone does not expand data uses, change past charges, extinguish accrued claims, or release any person from responsibility that cannot lawfully be transferred or excluded. Material changes beyond the operator transition follow the change rules below. You can contact support about the transition and exercise any termination, refund or privacy rights available under applicable law.

Who can use Split Guru

You must be at least 13 and meet any higher minimum age required where you live. If you cannot enter a binding agreement on your own, a parent or legal guardian must agree and supervise your use. Do not use the service where doing so is unlawful. If you act for an organization, you must have authority to bind it.

Receipts, calculations and your responsibilities

Split Guru helps organize a bill; it is not a bank, payment service, debt collector, or financial, tax or legal adviser. We do not transfer funds or guarantee that someone pays. OCR, readings and suggestions made by AI models, currencies, tax, tips, item assignments and calculations can be wrong or incomplete. They are aids, not advice or a guarantee. Check them against the original receipt and agree the result with the people involved before paying. You are responsible for the information and corrections you provide, for decisions you make based on the app, and for your agreements with merchants and other people.

Keep copies of important records. Bills are stored on your iPhone and are not a cloud backup. Device loss, uninstalling the app, failed storage, interrupted synchronization and offline copies can affect availability.

Your content and permission to process it

You keep ownership of your receipts, messages, photos and other content. You grant us a non-exclusive, worldwide, royalty-free license, which we may transfer with the service and sublicense to the providers who work for us, to host, store, copy, transmit, display, analyze and adapt your content to provide, secure, support and improve the services, to comply with law, and to create de-identified and aggregated data. While scan sharing is on, this includes keeping, labeling and analyzing the receipts you scan and testing and training our receipt-reading technology and models. While AI reading is on, it includes sending hard receipts to our AI provider as the Privacy Policy describes.

The license for your content follows the retention and deletion terms in the Privacy Policy and ends when the content or your account is deleted, except for copies we must keep by law, copies already shared with other people, and de-identified data, which does not identify you and which we may keep, use, share, license and sell. We do not sell your personal information. You must have the rights and permissions needed to upload or share content, including other people’s information. Do not upload secrets, full payment-card details or sensitive information unnecessary for splitting a bill.

Privacy and optional data uses

The Privacy Policy describes what we collect, how we use and share it, including scan sharing, AI reading and de-identified data, how long we keep it and your choices. Scan sharing and AI reading are on unless you turn them off in the app. Agreement to these terms, a purchase or continued use does not replace a separate permission that the law or Apple requires. Your Privacy Choices explains how to change your choices and contact us about your rights.

Chats

There is no place in Split Guru for objectionable content or abusive people. Don’t send anything hateful, harassing, threatening, sexual, violent or illegal, don’t send spam, and don’t share other people’s private details without their permission.

Reports and blocks

Touch and hold a message to report it. On someone’s page you can report or block them. You won’t see a blocked person’s messages, and they aren’t told.

We review reports within 24 hours. We remove content that breaks these terms from our service and disable the sender’s account. Removal reaches other phones when they sync; saved copies may remain.

Your account

You sign in with your own mobile phone number and a code we text to it. Keep the code to yourself. You can delete your account any time in You → Privacy and Security. Bills on your iPhone stay on it.

Use a number you control and tell us if your account is compromised. Do not impersonate people, bypass security or usage limits, scrape private content, interfere with the service, or use it to violate someone’s rights. We may restrict content or suspend access to address abuse, security risks, legal requirements or a material breach of these terms. Where appropriate and lawful, we will explain the reason and let you contact support to challenge a mistake. Deletion and privacy rights remain available.

Future purchases and subscriptions

Split Guru does not currently offer paid plans or subscriptions. We may introduce optional purchases, subscriptions, trials or usage limits later. A future offer will identify the seller, included features and limits, total price and taxes, billing period, renewal price, trial conversion and cancellation method before you agree to pay. These terms alone do not enroll you or authorize a charge. A one-time purchase will be identified separately from a recurring subscription; no lifetime or permanent service is promised unless the specific offer expressly provides it.

If you expressly buy an auto-renewing plan, it renews at the disclosed interval until canceled. Any trial’s end date, subsequent price and cancellation deadline will be shown before enrollment. For Apple-billed plans, manage or cancel in your Apple Account’s Subscriptions settings; eligible purchases can be restored using the purchasing Apple Account. Other checkout channels, if offered, will provide their own easy cancellation method. Cancel before the deadline shown in the offer or store to avoid the next charge; access normally continues until the paid period ends. Deleting the app or your Split Guru account does not cancel an Apple-billed subscription.

Refunds follow the billing provider’s process and applicable law, including any mandatory withdrawal or refund rights. Price or plan changes apply prospectively with required advance notices and any required renewed consent. We will honor already purchased periods and expressly promised entitlements, subject to law and remedies if we discontinue a paid service. Privacy choices are not a subscription cancellation, and payment is not consent to optional data uses. Contact support for billing questions.

Ads, sponsorships and data products

There are currently no ads or advertising trackers. We may introduce clearly labeled ads, sponsored placements or affiliate links; the displayed offer will explain any material commercial relationship. Third-party offers have their own terms, and we do not guarantee a merchant’s products or performance. We may sell or license de-identified and aggregated data as described in the Privacy Policy. Ads that use personal information for targeting or tracking require the notices and permissions described in the Privacy Policy before they start. Sign-in phone numbers and SMS consent data are excluded from marketing and from any sale.

SMS Terms

These SMS Terms cover the text messages of the Split Guru sign-in codes program.

• What you get. Split Guru texts a one-time six-digit code to the mobile number you type in the app, so you can sign in. The message reads like this: “Your Split Guru code is 123456. Don’t share it with anyone.” We don’t send marketing or promotional texts.
• How you agree. You agree to get these texts when you type your mobile number on the app’s Your Phone page and tap Continue. We text only the number you typed. SMS consent shows that screen.
• How often. One message each time you ask for a code, and no other messages. Message frequency varies with how often you sign in.
• Cost. Split Guru doesn’t charge for these texts. Standard message and data rates may apply, depending on your mobile plan.
• Help. Reply HELP to any of our texts for help, or write to [email protected].
• Stopping. Reply STOP to any of our texts to stop them. You get one message confirming it, and then no more texts at that number, so codes can’t reach it until you reply START.
• Delivery. Mobile carriers are not liable for delayed or undelivered messages.
• Privacy. We use your phone number only to sign you in. We do not sell or share your personal information with third parties for marketing purposes. The Privacy Policy says how we handle it.

Service changes and third parties

We retain rights in the app, software, branding and our technology; the content license above does not transfer your content to us. We may improve, change or discontinue features and set reasonable resource limits. We will provide notice where practicable and any legally required remedies for affected purchases. Beta and TestFlight features may be unstable or end. Availability depends on devices, networks and providers; uninterrupted or error-free service, complete recovery and compatibility with every device are not guaranteed.

Disclaimers and limits of liability

To the extent permitted by law, the services are provided “as is” and “as available”, without warranties of merchantability, fitness for a particular purpose or non-infringement. We do not warrant the accuracy of receipt readings, output of AI models, calculations or user content, and we are not responsible for payments, disputes or other decisions based on them. Nothing excludes a warranty or remedy the law requires.

To the extent permitted by law, Ruslan Butov, any successor operator identified under the operator transition rules, and the Split Guru team, employees, contractors and service providers are not liable for indirect, consequential, special or punitive damages, lost profits or lost data arising from the services. Their aggregate liability arising from the services or these terms is limited to the greater of US $100 and what you paid us for the services in the 12 months before the event giving rise to the claim. These limits do not apply to fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or any liability or statutory consumer or data-protection remedy that cannot lawfully be limited.

If you use the services for a business, to the extent permitted by law you agree to indemnify Ruslan Butov, any successor operator identified under the operator transition rules, and the Split Guru team against reasonable third-party claims and costs caused by your unlawful content, intentional misuse or material breach of these terms, excluding losses caused by our own wrongdoing. We will notify you of a claim and allow reasonable participation in its defense; no settlement may impose an obligation on you without your agreement. This indemnity does not apply to ordinary personal consumer use.

Disputes and general terms

Contact support so we can try to resolve a problem. This does not delay any legal deadline or prevent you from contacting a regulator or bringing a claim in a court available under applicable law, including mandatory rights where you live. These terms impose no mandatory arbitration or class-action waiver. If a provision is unenforceable, the rest remains effective to the extent lawful. A failure to enforce a provision is not a waiver. We may transfer the service and this agreement with a business reorganization or sale, subject to the privacy commitments and your mandatory rights; a transfer does not authorize new data uses.

Changes to this agreement

We may revise these terms as the service, business and law develop. We will publish a dated version and give reasonable advance notice of material changes, normally at least 30 days through an in-app notice or another appropriate channel. Urgent legal or security changes may take effect sooner with an explanation. Changes apply prospectively and do not remove accrued rights or change past charges. We will seek fresh acceptance where required; if you do not agree, you may stop using the service and delete your account, with applicable paid-service remedies preserved. For existing users, material amendments apply only after the applicable notice period and any required acceptance; publication alone does not bind them to new protections. A policy update or continued use does not supply consent for a new data purpose or override the promises under which data was collected.

Contact

Ruslan Butov, developer of Split Guru: [email protected]