Updated: March 3, 2025
Splita Ltd – Terms and Conditions
1. Introduction
1.1 These Terms and Conditions (“Terms”) govern the use of the services provided by Splita Ltd, a company incorporated in England and Wales with company number 16370241 and whose registered office is at 31a Dewsbury Gate Road, Dewsbury, WF13 4AX (“Splita”, “we”, “us” or “our”).
1.2 These Terms apply to all users who register for and access the Splita mobile application or any associated services made available by us (together, the “Splita Services”).
1.3 By creating a Splita Account or by accessing or using the Splita Services, you confirm that you have read, understood and agree to be bound by these Terms, including any policies or documents referenced herein.
1.4 If you do not agree to these Terms, you must not use the Splita Services.
1.5 These Terms are effective as of 7 April 2025.
1.6 You may contact us at any time by emailing support@splita.me. The latest version of these Terms is available at: www.splita.me/termsandconditions.
2. Interpretation and Document Hierarchy
2.1 These Terms constitute the legal agreement between you and Splita Ltd in relation to your use of the Splita Services.
2.2 References to “you” or “your” mean the individual who registers for and uses the Splita Services. References to “we”, “us” or “our” mean Splita Ltd.
2.3 Headings are for reference only and do not affect interpretation.
2.4 Where these Terms refer to other documents, including but not limited to our Privacy Policy or any feature-specific terms published within the App or on our Website, those documents are incorporated into these Terms by reference and form part of the legal agreement between you and Splita.
2.5 In the event of any inconsistency between these Terms and any other policy, guidance or information provided on the Website or within the App, these Terms shall prevail, except where a separate written agreement signed by Splita Ltd expressly states otherwise.
A. Using Splita Services
3. Definitions and Interpretation
3.1 In these Terms, unless the context otherwise requires, words and expressions set out below shall have the meanings given to them in this clause.
3.2 References to the singular include the plural and vice versa. References to a person include individuals, bodies corporate, unincorporated associations and partnerships. References to a statute or regulation are to be construed as references to that statute or regulation as amended, extended or replaced from time to time.
3.3 Clause headings are for convenience only and shall not affect interpretation.
3.4 The following definitions apply throughout these Terms:
3.4.1 “Splita”, “we”, “us” or “our” means Splita Ltd, a private company registered in England and Wales with company number 16370241 and registered office at 31a Dewsbury Gate Road, Dewsbury, WF13 4AX.
3.4.2 “You” or “your” means the individual who accesses or uses the Splita Services.
3.4.3 “Splita Account” means the user profile created through the App or Website to access the Splita Services.
3.4.4 “Splita Services” means the services provided by Splita Ltd which enable users to organise, manage and divide shared payments and bills with other users, including but not limited to the tracking of expenses, group calculations and the initiation of payment instructions to Partner Payment Providers.
3.4.5 “Linked Card” means a valid debit card issued by a UK-regulated financial institution, linked to your Splita Account and used to fund Transactions.
3.4.6 “Group” means a set of users within the Splita platform who agree to share or split payment obligations using the Splita Services.
3.4.7 “Partner Payment Provider” means any third-party provider authorised by the Financial Conduct Authority (FCA) to process payments or perform regulated services on our behalf, including but not limited to Stripe Payments UK Ltd and Adyen N.V. UK Branch.
3.4.8 “Open Banking Integration” means functionality provided by FCA-regulated third parties under the Payment Services Regulations 2017, which allows us to access financial account data or initiate payments with your consent, including providers such as Tink UK Ltd.
3.4.9 “Transaction” means any financial action facilitated by or recorded within the Splita Services, including those initiated via a Linked Card or through Open Banking Integration.
3.4.10 “App” means the mobile application provided by Splita Ltd for use on iOS or Android devices, through which users may access the Splita Services.
3.4.11 “Website” means the website located at www.splita.me, including all subdomains and content, as well as any linked policies or user-facing documents such as the Privacy Policy located at www.splita.me/privacy.
4. Fees
4.1 Use of Splita Services
4.1.1 The core Splita Services are currently made available to you free of charge.
4.1.2 Splita Ltd reserves the right to introduce charges for certain functionalities or access tiers in the future.
4.1.3 In such cases, we will provide you with reasonable advance notice through the App or the Website.
4.1.4 If you continue using the relevant features after the introduction of such charges, you will be deemed to have accepted the applicable fees.
4.1.5 If you do not agree to such fees, your sole remedy is to discontinue use of the relevant feature(s).
4.2 Subscription Services
4.2.1 Splita may, at its discretion, offer enhanced functionality or premium features as part of a subscription service.
4.2.2 Details of available subscription plans, pricing, billing cycles and benefits will be clearly set out in the App or on the Website.
4.2.3 Subscription fees shall be charged in advance and are payable at the beginning of each subscription period.
4.2.4 Where applicable, fees for subscriptions taken out part-way through a billing period may be calculated on a pro-rata basis.
4.2.5 Unless otherwise stated, all fees are quoted in pounds sterling (£) and exclusive of VAT.
4.2.6 The final payable amount, including any applicable taxes, will be displayed to you prior to completing the purchase.
4.2.7 You agree that subscription charges may be automatically collected via your designated Linked Card or other authorised payment method.
4.3 Invoices
4.3.1 Formal invoices for subscription fees will not be automatically issued unless the total amount due exceeds £20 in a single transaction.
4.3.2 Where an invoice is not automatically issued, you may request one by contacting support@splita.me.
4.3.3 Invoices, where issued, may be delivered electronically and/or made available within your Splita Account.
4.3.4 We reserve the right to refuse or delay issuing an invoice where we are not required to do so by law.
4.4 Third-Party Charges
4.4.1 You are solely responsible for any fees, charges or other costs imposed by your card issuer, financial institution or any other third party in connection with your use of the Splita Services.
4.4.2 This includes, without limitation, overdraft charges, returned payment fees, foreign exchange charges, interest and insufficient funds fees.
4.4.3 Splita Ltd accepts no liability for such charges and shall not be required to reimburse you for any such costs, including those incurred as a result of an authorised transaction initiated via the Splita platform.
4.5 Changes to Fees
4.5.1 We may revise our fees, introduce new charges or amend existing pricing structures at any time.
4.5.2 Where changes apply to ongoing subscriptions or paid features, we will provide not less than fourteen (14) days’ notice via the App, the Website or by email.
4.5.3 Continued use of the relevant paid services after the expiry of the notice period shall constitute your acceptance of the revised fees.
4.6 Failed or Late Payments
4.6.1 If any fee or subscription payment is declined, reversed or otherwise fails, we may attempt to collect the amount again.
4.6.2 We reserve the right to suspend or restrict access to any paid features until payment is successfully received.
4.6.3 Repeated failed payments may result in account suspension or termination.
4.6.4 We may also recover from you any reasonable costs incurred in seeking payment.
5. Requirements to Use Splita Services
5.1 By registering for a Splita Account and using the Splita Services, you confirm and warrant that:
5.1.1 you are at least 18 years of age;
5.1.2 you are a resident of the United Kingdom;
5.1.3 you hold a valid UK-issued debit card registered in your own name;
5.1.4 you are legally capable of entering into binding contracts;
5.1.5 you have not previously been suspended or prohibited from using the Splita Services or similar financial technology platforms; and
5.1.6 you are registering for and using the Splita Services solely on your own behalf and not on behalf of any third party.
5.2 You must provide accurate, current and complete information during account registration and at all times thereafter. You agree to update your account details promptly in the event of any changes.
5.3 We reserve the right to request additional information or documentation at any time in order to verify your eligibility to use the Splita Services. Failure to provide such information may result in suspension or termination of your Splita Account.
5.4 We may suspend or terminate your access to the Splita Services if we reasonably believe that any information you have provided is inaccurate, misleading, incomplete or fraudulent.
5.5 You are solely responsible for ensuring that your use of the Splita Services complies with all applicable laws and regulations, including those relating to anti-money laundering, taxation, financial crime and consumer protection.
5.6 Use of the Splita Services by or on behalf of another individual or any attempt to circumvent account eligibility requirements, may result in immediate suspension or termination of your Splita Account without notice.
6. Prohibited Uses
6.1 You must not use, attempt to use or permit any other person to use the Splita Services:
6.1.1 for any unlawful purpose or in breach of any applicable laws or regulations, including those relating to anti-money laundering, financial crime, sanctions, fraud, tax evasion, bribery or corruption;
6.1.2 to initiate or facilitate transactions that are false, misleading, unauthorised or fictitious;
6.1.3 to disguise or attempt to disguise the origin or destination of funds or otherwise engage in the handling of criminal property;
6.1.4 in connection with any gambling, betting or lottery activity (including purchasing tickets), adult entertainment, pornography, pyramid schemes, unlicensed money lending, payday lending or any high-risk financial product;
6.1.5 in connection with the purchase, exchange or trading of cryptocurrencies, crypto-assets, non-fungible tokens (NFTs) or decentralised finance (DeFi) platforms;
6.1.6 in any way that is abusive, harassing, defamatory, offensive, obscene or intended to harm, threaten or mislead others;
6.1.7 to facilitate or receive payments on behalf of another person or entity or to act as a payment intermediary, remitter or aggregator, without our prior written consent;
6.1.8 to exploit, interfere with or bypass the intended operation, fee structure, security or user verification systems of the Splita Services;
6.1.9 to engage in automated, bulk or artificial activity (including but not limited to the use of bots, scripts or synthetic identities);
6.1.10 to create multiple Splita Accounts in order to bypass account limitations, promotional restrictions or usage controls.
6.2 You must not use a Linked Card that is not issued in your name or permit any other individual to access or use your Linked Card through the Splita Services.
6.3 Any use of the Splita Services that, in our sole discretion, exposes Splita Ltd or its partners to reputational, regulatory or legal risk is strictly prohibited.
6.4 We reserve the right to suspend, restrict or terminate your access to the Splita Services without notice if we reasonably suspect that you are engaging in any activity prohibited under this Clause 6. We may also report such conduct to relevant authorities or third-party providers and you agree to cooperate with any investigation into such activity.
7. Authorised Users
7.1 Your Splita Account is personal to you. You must not share your login credentials or security information with any other person and you must not permit any other person to access, operate or transact using your account or any Linked Card associated with it.
7.2 If you allow another person to access your Splita Account or use a Linked Card through the Splita Services, whether intentionally, negligently or otherwise, you will be fully responsible for all actions taken and Transactions made by that person and you will be treated as having authorised such use.
7.3 You are solely responsible for maintaining the confidentiality and security of your Splita Account and any Linked Card or payment method associated with it. If you suspect that your account credentials or card information have been compromised, you must notify us immediately at support@splita.me and take all reasonable steps to prevent further unauthorised use.
7.4 We may treat all use of the Splita Services through your account as if it were made by you, unless and until you have notified us of unauthorised access and we have had a reasonable opportunity to act on that notice.
7.5 We reserve the right to suspend, restrict or terminate access to your Splita Account if we reasonably believe that it has been compromised, accessed without authority or used in breach of these Terms.
7.6 You agree to cooperate fully with any investigation into unauthorised access or misuse of your account and to provide such information or assistance as we may reasonably require.
8. Licence and Intellectual Property Rights
8.1 Subject to your compliance with these Terms, Splita Ltd grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Splita Services solely for your personal and lawful use in accordance with these Terms.
8.2 All intellectual property rights in and to the Splita Services, including the App, Website, platform functionality, software, source code, content, graphics, logos, branding, designs and user interface, are owned by or licensed to Splita Ltd. Nothing in these Terms grants you any proprietary rights in or to the Splita Services, other than the limited licence expressly set out in Clause 8.1.
8.3 You must not:
8.3.1 copy, reproduce, modify, distribute, display, publish, licence or create derivative works from any part of the Splita Services;
8.3.2 disassemble, decompile, reverse engineer or attempt to extract the source code of any part of the Splita platform;
8.3.3 remove, obscure or alter any copyright notice, trademark or other proprietary notice displayed within the App or on the Website; or
8.3.4 use, sublicense, rent, lease or otherwise commercially exploit any aspect of the Splita Services without our prior written consent.
8.4 Splita Ltd reserves all rights not expressly granted in these Terms.
9. Changes to the Services
9.1 We may, at our sole discretion, modify, update, suspend or withdraw any part of the Splita Services at any time for operational, legal, security, technical or commercial reasons.
9.2 We do not guarantee that any specific feature, functionality or component of the Splita Services will be available at all times or in all jurisdictions.
9.3 Where a change materially affects your use of a paid feature or subscription, we will use reasonable efforts to notify you in advance via the App, Website or by email.
9.4 We shall not be liable to you or to any third party for any modification, suspension or discontinuance of any part of the Splita Services, provided that any advance payments for discontinued paid features are refunded on a pro-rata basis, where required by law or where we determine, in our reasonable discretion, that a refund is appropriate.
Section B – Access and Use of Your Account
10. Creating and Maintaining Your Account
10.1 In order to access the Splita Services, you must create a Splita Account through the App or Website by following the account registration process. You will be required to provide certain information including your full name, email address, mobile number and valid UK-issued debit card details.
10.2 All information you provide must be complete, accurate and up to date. You agree to promptly update your account information if any of the details you provide change after registration.
10.3 You must not create an account using false, misleading or impersonated details or attempt to conceal your identity. We reserve the right to suspend or terminate any account where we reasonably believe the information provided is inaccurate or incomplete.
10.4 You may only create one Splita Account. We may, in our sole discretion, delete or merge duplicate accounts or restrict further registrations where multiple accounts are suspected.
10.5 All actions carried out through your Splita Account are deemed to have been carried out by you. You are responsible for all activity on your account unless and until you notify us of suspected unauthorised access and we have had a reasonable opportunity to act on that notice.
10.6 You must not allow another person to create or maintain an account on your behalf, nor may you create or maintain an account for another person.
11. Identity Verification
11.1 In order to comply with applicable legal and regulatory obligations, we and our authorised partners may be required to verify your identity before you can access or continue using the Splita Services.
11.2 You agree to provide any information or documentation that we or our authorised payment providers may reasonably request to satisfy customer due diligence, identity verification, fraud prevention or anti-money laundering requirements.
11.3 This may include (without limitation) your full legal name, date of birth, address, nationality, tax status, a copy of your photographic identification (such as a passport or driving licence) and proof of your residential address.
11.4 You authorise us to share the information you provide with third-party service providers who support our onboarding, verification or compliance processes, including regulated entities authorised by the Financial Conduct Authority.
11.5 We may carry out identity or fraud checks using third-party databases or services, including credit reference agencies, electoral roll records, sanctions lists and publicly available sources, in accordance with our Privacy Policy.
11.6 We reserve the right to delay, restrict, suspend or terminate your access to the Splita Services at any time where:
11.6.1 we have not received requested verification information;
11.6.2 we are unable to verify your identity to our satisfaction; or
11.6.3 we reasonably suspect that the information provided is false, misleading, incomplete or associated with fraudulent activity.
11.7 You acknowledge that failure to complete verification may result in limitations on your use of the Splita Services or closure of your Splita Account.
12. Linking a Debit Card
12.1 In order to use the Splita Services, you must link a valid debit card issued by a UK-regulated financial institution. The Linked Card must be in your own name and registered to your residential address.
12.2 By linking a debit card to your Splita Account, you confirm that:
12.2.1 you are the named cardholder and have full legal authority to use the card;
12.2.2 you authorise us and our Partner Payment Providers to initiate transactions using the Linked Card in accordance with your instructions through the Splita platform;
12.2.3 any payment method you register will be used solely for your personal use and not on behalf of any third party.
12.3 You may be required to verify ownership of the Linked Card through authentication steps prescribed by your card issuer, including but not limited to 3D Secure or Strong Customer Authentication protocols.
12.4 All card transactions made through the Splita Services are processed by third-party Partner Payment Providers authorised by the Financial Conduct Authority. Splita Ltd does not process card payments directly and does not at any time hold, receive or control your funds.
12.5 You may change your Linked Card through the App at any time, subject to applicable limits or verification requirements. The availability of multiple card links or card-switching features may be restricted based on your account activity, verification status or risk profile.
12.6 We reserve the right to reject or remove any Linked Card from your account where we reasonably suspect fraud, unauthorised use or a breach of these Terms.
13. Payment Authorisation and Processing
13.1 By linking a debit card to your Splita Account, you authorise us and our Partner Payment Providers to initiate and process payment instructions using the Linked Card in accordance with your use of the Splita Services.
13.2 You acknowledge and agree that:
13.2.1 Splita facilitates payment transactions between you and other users or merchants but does not process payments directly;
13.2.2 all payment processing is carried out by regulated third-party payment providers authorised by the Financial Conduct Authority;
13.2.3 your Linked Card details may be securely stored and tokenised by such providers in accordance with applicable card scheme rules and data protection laws;
13.2.4 you remain responsible for ensuring that the Linked Card details provided are accurate, complete and kept up to date at all times.
13.3 You must not link or use a card that is not in your name. You must not authorise any third party to use your Linked Card via the Splita Services.
13.4 Where a payment instruction is submitted via the App, you authorise our Partner Payment Providers to debit your Linked Card for the relevant amount in accordance with the instructions given.
13.5 You further authorise our Partner Payment Providers to carry out:
13.5.1 pre-authorisation checks to confirm the validity of your Linked Card;
13.5.2 small value verification transactions where necessary to confirm card ownership;
13.5.3 repeat charges, where applicable, in respect of subscriptions or recurring authorisations, subject to your prior consent given within the App.
13.6 If your Linked Card is declined, revoked or otherwise fails, you remain responsible for any resulting unpaid amounts and must promptly update your payment method. We may suspend or limit access to the Splita Services until a valid Linked Card is provided.
13.7 We reserve the right to suspend or cancel any transaction that we reasonably suspect to be unauthorised, fraudulent or in breach of these Terms or where required to do so under applicable law.
14. Card Transactions and Limitations
14.1 All payments initiated through the Splita Services are processed using the Linked Card registered to your Splita Account. Where you participate in a group transaction, you authorise us and our Partner Payment Providers to initiate a payment request for your share of the total transaction amount in accordance with the group settings or instructions given within the App.
14.2 A group transaction will only proceed where all participants’ payments are successfully authorised at the point of execution. If any participant’s payment is declined, reversed or otherwise fails, the entire transaction will be cancelled and no funds will be collected from any user. Splita does not process part-payments and does not cover shortfalls on behalf of any user.
14.3 You acknowledge that even if your own Linked Card is successfully authorised, the group transaction may still fail due to issues affecting other participants. In such cases, your Linked Card will not be charged and no funds will be debited unless the full group payment is completed.
14.4 Splita does not store or hold funds on behalf of users. All card transactions facilitated through the platform are subject to authorisation directly by your card issuer and processed by regulated Partner Payment Providers. Your ability to complete a transaction is dependent on having sufficient available funds or credit and a functioning Linked Card at the time of authorisation.
14.5 Your card issuer may apply independent checks, limits or transaction blocks that are outside Splita’s control. You are responsible for ensuring that your Linked Card can support any payment initiated through the Splita Services.
14.6 You must not attempt to initiate a payment through the Splita Services using a card that is not in your name. You are solely responsible for maintaining valid, accurate and current payment information at all times.
14.7 We reserve the right to impose or modify transaction limits at any time, including:
14.8 Limits may be applied dynamically based on your usage patterns, account verification status, risk profile or other factors either in the App or on our website. We are not obliged to disclose the specific criteria used to determine such limits.
15. Failed Transactions and Recovery
15.1 A transaction may fail where your Linked Card does not have sufficient available funds, has expired, been suspended or revoked or where your card issuer declines the authorisation for any reason. Splita does not control the authorisation process, which is handled by regulated Partner Payment Providers in conjunction with your card issuer.
15.2 In the case of a group transaction, if one or more participants’ payments fail, the entire transaction will be cancelled. No funds will be collected from any user unless the total amount is successfully authorised across all participating Linked Cards. Splita does not cover any portion of failed or incomplete payments and will not process partial transactions.
15.3 Where your individual payment fails, we may:
15.4 You are solely responsible for ensuring that your Linked Card is functional, up to date and capable of supporting your share of any group payment. Failure to maintain a valid Linked Card may prevent you from using the Splita Services effectively.
15.5 Repeated failed transactions may result in:
15.6 Where you initiate a payment or agree to join a group transaction, you remain responsible for any resulting unpaid amounts caused by your payment failure. We may recover any such amount by:
15.7 You agree that, in the event of a failed payment for which you remain liable, we may recover reasonable administrative, enforcement or processing costs incurred as a result of the failure, to the extent permitted by law.
15.8 Splita accepts no liability for any overdraft fees, interest, charges or losses incurred by you as a result of a failed transaction or delayed recovery.
16. Account Suspension and Termination
16.1 We may, at any time and without liability, suspend, restrict or terminate your access to the Splita Services or close your Splita Account, with or without notice, where:
16.1.1 you are in breach of these Terms or any other agreement between you and us;
16.1.2 we reasonably suspect that your account has been accessed or used without authorisation;
16.1.3 you fail to complete required identity or verification checks to our satisfaction;
16.1.4 you are using or appear to be using, the Splita Services for unauthorised, unlawful, abusive, fraudulent or improper purposes;
16.1.5 we are instructed or required to do so by a court order, regulatory authority, financial institution or payment provider;
16.1.6 we reasonably believe that continuing to provide access may expose Splita Ltd, our partners or other users to legal, financial or reputational risk.
16.2 We will, where lawful and appropriate, attempt to notify you of any suspension or termination and the reason for it. However, we may be prohibited from doing so in certain circumstances, including but not limited to law enforcement instructions or regulatory requirements.
16.3 You may terminate your use of the Splita Services at any time by closing your account through the App or by contacting us at support@splita.me. Termination does not relieve you of any payment obligations incurred prior to closure.
16.4 On termination of your account for any reason:
16.4.1 all licences and rights granted to you under these Terms will cease immediately;
16.4.2 you must immediately stop using the Splita Services;
16.4.3 we may retain records of your account, Transactions and personal data as required by law or our regulatory obligations.
16.5 Any rights, remedies, obligations or liabilities which have accrued prior to the termination of your account shall survive and continue to be enforceable.
17. Reactivation and Review Requests
17.1 If your access to the Splita Services has been suspended or your account has been closed, you may contact us at support@splita.me to request further information or to ask for a review of the decision.
17.2 We may, at our sole discretion, allow you to submit additional information or clarification to support your request for reactivation. However, we are not obliged to offer a review or to reinstate any suspended or terminated account.
17.3 We reserve the right to decline any request for reinstatement where we reasonably believe that:
17.3.1 the original suspension or termination was valid and justified;
17.3.2 reinstatement would create legal, operational or reputational risk to Splita Ltd or our partners;
17.3.3 your conduct has breached these Terms or relevant laws or regulations;
17.3.4 we are prevented from doing so by law, a court order or a directive from a Partner Payment Provider or other authority.
17.4 If we agree to reinstate your account, we may impose conditions on your continued use of the Splita Services, including transaction limits, additional monitoring or verification requirements.
Section C – Our Rights and Your Responsibilities
18. Changes to These Terms
18.1 We may amend or update these Terms at any time. Where the changes are material and affect your ongoing use of the Splita Services, we will provide you with at least fourteen (14) days’ advance notice, unless a shorter period is required to comply with law or to address urgent risk.
18.2 We may notify you of such changes by posting the revised Terms on our Website or within the App, by updating the “Last Updated” date and, where appropriate, by email.
18.3 Your continued use of the Splita Services following the expiry of any applicable notice period will constitute your acceptance of the revised Terms.
18.4 If you do not agree to the amended Terms, you may close your Splita Account at any time in accordance with Clause 16.
18.5 We may also make minor or administrative changes to these Terms without prior notice where such changes do not materially affect your rights or obligations (for example, formatting, clarification or updates to contact details).
19. Transaction and Spending Limits
19.1 We may apply transaction limits to your use of the Splita Services at any time. These may include, without limitation:
19.1.1 maximum permitted values per Transaction;
19.1.2 daily, weekly or monthly spending caps;
19.1.3 limits on the number or frequency of Transactions; or
19.1.4 restrictions based on group activity, geographic location, verification status or usage patterns.
19.2 Limits may be determined dynamically using risk-based models, fraud prevention protocols, regulatory obligations or our internal compliance policies. We are not obliged to disclose the precise basis or criteria for such limits.
19.3 We may amend, increase, reduce or remove any applicable limits at any time without prior notice, unless required by law. In some cases, you may be notified of your current limits within the App.
19.4 Any attempt to circumvent applicable limits, whether by creating multiple accounts or otherwise, may result in the suspension or termination of your access to the Splita Services.
19.5 You remain responsible for monitoring your own spending activity and ensuring that you do not exceed any applicable limits imposed by us, your card issuer or any third party.
20. Security and Unauthorised Access
20.1 You are responsible for keeping your Splita Account credentials, Linked Card details and any other authentication information secure and confidential. You must not share your login information or allow any other person to access your account.
20.2 If you suspect that your account has been accessed without your authority or that your Linked Card or security credentials have been lost, stolen or compromised, you must notify us immediately at support@splita.me and take all reasonable steps to prevent further unauthorised use.
20.3 Until we receive such notification and have had a reasonable opportunity to act, we may treat all use of the Splita Services as authorised by you. We will not be liable for any loss arising from unauthorised activity unless and until we have received notice in accordance with this clause.
20.4 We may suspend or restrict access to your account if we believe it has been compromised, misused or accessed fraudulently. You agree to cooperate fully with any investigation into suspected unauthorised use.
20.5 You must take all reasonable steps to ensure the device on which you use the App is secure and protected against malware, unauthorised remote access or other security threats.
20.6 We reserve the right to implement additional security measures at any time, including but not limited to multi-factor authentication, biometric login features or transaction confirmation processes. You must not attempt to disable or bypass such measures.
21. Cooperation with Investigations and Law Enforcement
21.1 You acknowledge and agree that we may cooperate fully with law enforcement agencies, regulators, courts, tax authorities, Partner Payment Providers and other authorised third parties where:
21.1.1 we are required to do so under applicable law or regulation;
21.1.2 we reasonably suspect that you have breached these Terms or committed an offence;
21.1.3 we are responding to a lawful request, investigation, subpoena, court order or regulatory inquiry; or
21.1.4 we believe such cooperation is necessary to detect, prevent or address fraud, money laundering, terrorism financing, tax evasion or other unlawful activity.
21.2 You agree to provide any assistance or documentation we reasonably request in connection with any investigation, audit, legal proceeding or regulatory matter relating to your use of the Splita Services.
21.3 We may suspend, restrict or terminate your access to the Splita Services while we carry out an internal review or cooperate with an external investigation, without prior notice or liability.
21.4 You understand that we may be prohibited from notifying you of the existence or nature of an investigation, review or legal process affecting your account.
21.5 Where we are legally permitted to do so, we may disclose to you that your account is subject to investigation and, where applicable, provide an opportunity to respond.
22. User Conduct and Platform Integrity
22.1 You agree to use the Splita Services only for lawful purposes and in a manner that is fair, reasonable and consistent with these Terms.
22.2 You must not and must not attempt to:
22.2.1 interfere with the operation, security or stability of the Splita platform or any related systems;
22.2.2 exploit any vulnerability, bug or unintended feature for personal or financial gain;
22.2.3 manipulate or abuse group settings, referral features, fee structures or any promotional offers;
22.2.4 use the Splita Services in a way that imposes an unreasonable or disproportionately large burden on our infrastructure;
22.2.5 submit any content or information through the platform that is false, defamatory, abusive, misleading, offensive or otherwise harmful;
22.2.6 impersonate any other person or misrepresent your identity, affiliation or authority in connection with the Splita Services;
22.2.7 use automated tools, scripts, bots or scraping technologies to access, collect or index any part of the Splita platform or its data.
22.3 We reserve the right to monitor activity on the platform to detect breaches of this clause and to take any action we consider appropriate, including suspending your access, removing offending material or reporting misconduct to third parties.
22.4 You agree to indemnify and hold us harmless for any claims, losses or liabilities resulting from your breach of this clause.
23. Service Availability and Technical Access
23.1 We will use reasonable efforts to make the Splita Services available at all times. However, we do not guarantee uninterrupted or error-free access and availability may be affected by scheduled maintenance, technical issues, third-party service disruptions, internet connectivity or force majeure events.
23.2 Access to certain features may be restricted or suspended without notice where necessary to protect system integrity, carry out maintenance, address a security threat, comply with legal obligations or respond to fraud or misuse.
23.3 We are not responsible for any delay, interruption or failure to perform resulting from the unavailability of third-party platforms, networks or services outside our reasonable control, including those of card issuers, Partner Payment Providers or open banking platforms.
23.4 You are responsible for ensuring that your device is compatible with the App and for maintaining the internet connection, operating system and software necessary to access the Splita Services.
23.5 We may update the App or Website periodically to introduce new features, fix bugs or comply with legal or technical requirements. You may be required to install updates to continue using the Splita Services.
24. Communications and Notices
24.1 You agree that all communications, notices and disclosures from us in connection with the Splita Services may be provided electronically unless we are required by law to use another format.
24.2 We will normally communicate with you via the email address registered to your Splita Account or through in-App notifications. You are responsible for ensuring that your contact details remain accurate and up to date at all times.
24.3 Any electronic communication from us will be deemed received by you:
24.3.1 at the time of transmission, if sent via in-App notification;
24.3.2 at the time the message becomes accessible in your email inbox, if sent by email;
24.3.3 on the day it is published on our Website or within the App, in the case of policy updates or service notices.
24.4 We may also send communications by SMS, telephone or post, where appropriate. Any notice sent by post will be deemed received two working days after posting (if within the UK).
24.5 If you wish to contact us formally for any purpose under these Terms, you should email support@splita.me, unless otherwise directed.
25. Accuracy of User Information
25.1 You are responsible for ensuring that all information you provide to us, including during registration, identity verification and use of the Splita Services, is true, accurate, complete and not misleading.
25.2 You must update your details promptly if there is any change to your name, residential address, email address, contact number, Linked Card or any other relevant information.
25.3 We may request additional information or documents at any time to verify the accuracy of your account information or to comply with legal or regulatory obligations.
25.4 We are not liable for any delay, restriction or failure in providing the Splita Services if you do not keep your information accurate and up to date.
25.5 If we reasonably believe that the information you have provided is false, inaccurate, incomplete or misleading, we may suspend or close your Splita Account without notice.
26. Third-Party Tools and Integrations
26.1 The Splita Services may include access to third-party tools, services, APIs or integrations, including but not limited to Partner Payment Providers and open banking services operated by regulated third parties.
26.2 We do not control or operate any third-party services and accept no responsibility for their content, performance, reliability or compliance with applicable law.
26.3 Your use of any third-party service is subject to that provider’s own terms of service and privacy policy. It is your responsibility to read and comply with such terms.
26.4 We may modify or suspend access to any third-party service or integration at any time, without liability, where required for technical, legal or commercial reasons.
26.5 We are not liable for any loss, error or delay caused by the acts or omissions of a third-party provider or by any failure or change in a service that is not operated by Splita Ltd.
Section D – Disputes, Refunds and Transaction Concerns
27. Reviewing Your Transactions
27.1 You are responsible for reviewing the transaction records available in your Splita Account through the App. All Transactions initiated or recorded through the Splita Services will be accessible via the transaction history feature.
27.2 You must check your transaction history regularly and notify us as soon as reasonably possible if you believe:
27.2.1 a Transaction was unauthorised;
27.2.2 a Transaction was incorrectly processed or duplicated;
27.2.3 your Linked Card was charged in error; or
27.2.4 your account activity reflects any other inaccuracy or unexpected entry.
27.3 You must notify us of any unauthorised or incorrect Transaction within thirty (30) calendar days from the date on which the Transaction occurred or was first made available in your account history. Failure to do so may affect your eligibility for a refund.
27.4 Where you submit a query about a Transaction, you must provide sufficient detail, including your name, account email, date and amount of the Transaction and an explanation of the issue. We may request further information to investigate the matter.
27.5 You are responsible for maintaining your own records of any payments made or received through the Splita Services, including where such payments relate to shared or group-based activity. We are not responsible for resolving internal disputes between users.
28. Refunds and Chargebacks
28.1 If you believe that you are entitled to a refund for a Transaction made through the Splita Services, you must first seek to resolve the issue directly with the relevant party — including the merchant or other user involved in the payment — unless we are the correct point of contact.
28.2 Splita is not responsible for the quality, delivery, performance or legality of any goods or services that you purchase or share payment for using the Splita Services. We do not mediate or resolve disputes between you and third parties.
28.3 Where a Transaction was initiated in error or was unauthorised, we may provide a refund if:
28.3.1 you notify us within the timeframe specified in Clause 27.3;
28.3.2 the Transaction was not properly authorised under these Terms; and
28.3.3 you provide all reasonable information we request to assess the claim.
28.4 Refunds will only be issued where the Transaction was processed through a valid Linked Card and where we or our Partner Payment Providers are legally and operationally able to reverse or return the funds.
28.5 Refunds, if approved, will be credited back to the Linked Card used for the original payment, unless we agree an alternative method in writing. Timing of the credit will depend on your card issuer’s policies and may be outside our control.
28.6 You must not initiate a chargeback or card dispute with your card issuer unless:
28.6.1 the Transaction was unauthorised or processed in error;
28.6.2 you have first contacted us to resolve the issue; and
28.6.3 your claim falls within your card issuer’s rules.
28.7 If you initiate a chargeback or reversal in breach of this clause or if the dispute is rejected, you agree to reimburse us for the value of the Transaction and any associated fees, penalties or administrative costs incurred.
29. Dispute Resolution Procedure
29.1 If you wish to raise a formal dispute regarding a Transaction, service issue or any matter arising under these Terms, you must notify us as soon as reasonably possible by emailing support@splita.me or using the in-App contact function (where available).
29.2 Your notification must include:
29.2.1 your full name and the email address linked to your Splita Account;
29.2.2 details of the Transaction or issue in dispute, including the date, amount and reason for your concern; and
29.2.3 any supporting information or documentation that may assist in our review of your claim.
29.3 We may ask you to provide additional evidence or clarification before we proceed with a formal investigation.
29.4 Upon receiving a complete dispute notification, we will review your claim in good faith and use reasonable efforts to resolve the matter within a reasonable period. Resolution times may vary depending on the nature and complexity of the issue.
29.5 If we determine that the dispute is valid and that you are entitled to a remedy under these Terms or applicable law, we may provide a refund, adjustment or other resolution as appropriate.
29.6 Our decision on a dispute is final unless you have a statutory right to pursue the matter further through your card issuer, the Financial Ombudsman Service or a competent court.
29.7 You agree not to raise the same dispute through multiple channels or with multiple parties unless required to do so by law. Duplicate or frivolous complaints may result in a restriction or suspension of your account.
30. Correction of Processing Errors
30.1 We reserve the right to correct any error affecting your Splita Account or a Transaction, including errors caused by technical faults, duplication, overcharging, misapplication of fees or incorrect processing by a Partner Payment Provider.
30.2 Where necessary to correct such an error, we may:
30.2.1 reverse or adjust a previous Transaction;
30.2.2 apply a correcting debit or credit to your Linked Card;
30.2.3 amend your transaction history to reflect the corrected amount.
30.3 We will notify you of any material correction made to your account. However, we are not obliged to do so where the correction does not have a material effect on your balance or activity.
30.4 You agree to cooperate with us to recover funds paid to you in error and to promptly return any overpayments or misapplied amounts upon request.
31. No Mediation of User Disputes
31.1 You acknowledge that the Splita Services are designed to facilitate shared payments and expense management but do not include any obligation on our part to resolve or mediate disputes between users.
31.2 We are not responsible for:
31.2.1 determining whether a payment or share allocation between users is fair, accurate or authorised;
31.2.2 resolving disagreements over the purpose, value or timing of a payment;
31.2.3 enforcing any agreement, understanding or arrangement between users, whether written or implied.
31.3 Any dispute between you and another user must be resolved directly between the parties involved. You agree not to hold Splita Ltd liable for any loss, inconvenience or misunderstanding arising from such disputes.
Section E – Legal Terms and Limitations
32. Limitation of Liability
32.1 Nothing in these Terms limits or excludes liability where such limitation or exclusion is prohibited by law, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.
32.2 Subject to Clause 32.1, we shall not be liable to you, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for:
32.2.1 any indirect, special, incidental or consequential loss;
32.2.2 any loss of profits, revenue, business, goodwill, opportunity or anticipated savings;
32.2.3 any loss, corruption or unauthorised access to data;
32.2.4 any loss or liability arising from acts or omissions of third-party providers, including but not limited to card issuers, payment processors or open banking platforms;
32.2.5 any delay, failure or disruption in the performance of the Splita Services resulting from circumstances beyond our reasonable control.
32.3 Subject to Clause 32.1, our total aggregate liability to you in respect of any claim arising out of or in connection with these Terms or your use of the Splita Services shall be limited to the greater of:
32.3.1 £50; or
32.3.2 the total amount of fees (if any) paid by you to Splita Ltd in the three (3) months immediately preceding the event giving rise to the claim.
32.4 You acknowledge that your use of the Splita Services involves the use of services and systems outside our control and that we are not responsible for the acts or omissions of third parties.
32.5 The limitations in this clause apply to the fullest extent permitted by applicable law and survive termination of these Terms.
33. Indemnity
33.1 You agree to indemnify, defend and hold harmless Splita Ltd, its directors, officers, employees, agents, service providers and affiliates from and against any and all claims, demands, actions, proceedings, damages, losses, liabilities, costs and expenses (including reasonable legal and professional fees) arising out of or in connection with:
33.1.1 your breach of these Terms;
33.1.2 your misuse of the Splita Services;
33.1.3 any unauthorised, unlawful or fraudulent use of your Splita Account;
33.1.4 your failure to comply with any applicable laws or regulatory requirements;
33.1.5 any action or omission that causes us to breach our obligations to a Partner Payment Provider or third party.
33.2 We reserve the right to assume exclusive control over the defence and settlement of any matter that is subject to indemnification under this clause. If we do so, you agree to cooperate fully with us in defending the matter.
33.3 Your obligations under this clause shall survive the termination of these Terms and the closure of your Splita Account.
34. Force Majeure
34.1 We shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay is caused by an event or circumstance beyond our reasonable control.
34.2 Such events may include, without limitation:
34.2.1 failure or outage of public or private telecommunications networks, payment networks or internet services;
34.2.2 interruption or failure of third-party systems, platforms or service providers;
34.2.3 denial-of-service (DoS) or distributed denial-of-service (DDoS) attacks or other malicious interference;
34.2.4 cyberattacks, data breaches or other security incidents;
34.2.5 acts of God, fire, flood, storm, earthquake or other natural disaster;
34.2.6 war, civil unrest, terrorism, government action or regulatory intervention;
34.2.7 pandemics, epidemics or public health emergencies; and
34.2.8 strikes, industrial action or supply chain disruption.
34.3 Where a force majeure event continues for more than thirty (30) consecutive days, we may suspend or terminate your access to the Splita Services without liability.
35. Assignment
35.1 You may not assign, transfer, charge, subcontract or otherwise deal with any of your rights or obligations under these Terms without our prior written consent. Any attempt to do so in breach of this clause shall be void.
35.2 We may assign or transfer our rights and obligations under these Terms, in whole or in part, to:
35.2.1 any affiliate or group company;
35.2.2 a third-party service provider, payment partner or acquirer;
35.2.3 any person or entity that acquires the business or assets of Splita Ltd, whether by merger, sale, restructuring or otherwise.
35.3 You acknowledge and agree that such an assignment shall not affect your rights under these Terms and we shall provide you with reasonable notice of any material change where required by law.
36. Severability
36.1 If any provision of these Terms is held to be unlawful, invalid or unenforceable by a court or competent authority, that provision shall be deemed severed from the remainder of the Terms, which shall remain valid and enforceable to the fullest extent permitted by law.
36.2 Where possible, the affected provision shall be interpreted in a way that most closely reflects the original intention, while complying with applicable law.
37. Entire Agreement
37.1 These Terms, together with our Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between you and Splita Ltd in relation to your use of the Splita Services.
37.2 They supersede all prior agreements, understandings, representations or communications between you and us, whether oral or written, relating to the subject matter of these Terms.
37.3 You confirm that you have not relied on any statement, promise or representation that is not set out in these Terms.
38. Waiver
38.1 No failure or delay by us in exercising any right or remedy under these Terms shall operate as a waiver of that or any other right or remedy, nor shall any single or partial exercise prevent any further exercise of that or any other right or remedy.
38.2 Any waiver of any breach of these Terms must be in writing and signed by us to be effective.
39. No Partnership or Agency
39.1 Nothing in these Terms shall be construed as creating any partnership, joint venture, agency, fiduciary or employment relationship between you and Splita Ltd.
39.2 You agree that you are acting solely on your own behalf and not on behalf of or for the benefit of any other person when using the Splita Services.
39.3 You do not have authority to bind Splita Ltd or make any commitments on our behalf.
40. Privacy
40.1 Your personal data is handled in accordance with our Privacy Policy, which explains how we collect, use, store and share your information. By using the Splita Services, you agree to the processing of your personal data as described therein.
41. Governing Law and Jurisdiction
41.1 These Terms and any non-contractual obligations arising out of or in connection with them, shall be governed by and construed in accordance with the laws of England and Wales.
41.2 You and Splita Ltd agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, your use of the Splita Services or any related matter.