Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and Bitavox ("we", "us", "our"), the company that builds and operates billplit. Our registered address is [Your Company Address].

When we say "billplit", we mean the web application at billplit.com, all associated APIs, and any related tools or services we provide now or in the future.

By creating an account or using billplit in any way, you are agreeing to these Terms. If you do not agree, please do not use the service. We have tried to write these Terms in plain language so you actually know what you are agreeing to — not to obscure anything.

If you are using billplit on behalf of a company or organisation, you are representing that you have authority to bind that entity to these Terms.

billplit is a shared expense tracking tool. It lets two or more people create a shared "space", upload bills, split amounts by a percentage they agree on, and settle up at the end of each month. An AI feature can extract data from bill photos and PDFs to save you time entering figures manually.

billplit is a tracking and calculation tool — it is not a bank, a payment processor, a financial adviser, or a legal instrument. When we say someone "owes" a certain amount, that is a calculation based on the numbers you entered. It does not constitute a legal debt, an invoice, or a court-ordered obligation. Whether you actually pay each other, and how, is entirely between the people in your shared space.

We do not hold, move, or guarantee any money. We are not a regulated financial service under MiFID II, PSD2, or any equivalent legislation.

To use billplit you must:

• Be at least 16 years old (or the minimum age of digital consent in your country, whichever is higher).
• Be capable of entering into a binding contract under the laws of your country.
• Not have previously been banned from billplit for a breach of these Terms.
• Use the service for lawful purposes only.

If you are under 18, we recommend getting a parent or guardian to review these Terms with you. The core use case — tracking shared household or family expenses — is entirely suitable for under-18s who share costs with others, but we want you to understand what you are signing up to.

We use magic links for authentication — you enter your email, we send you a one-time login link, and you are in. There is no password to create or forget.

Your account is personal to you. You are responsible for everything that happens through it, so please do not share your login links or let other people access your account. If you think someone has gained unauthorised access, contact us immediately at support@billplit.com.

You must provide accurate information when you create an account. Using a fake name or someone else's email address is a breach of these Terms. We need to be able to contact you if something important comes up — like a change to these Terms or a security issue.

You can delete your account at any time from the account settings page. When you do, your data is handled as described in our Privacy Policy.

billplit is built for legitimate shared expense tracking. Most of what we have written in this section is common sense, but we need to state it clearly.

You agree not to use billplit to:

• Upload, share, or process any content that is illegal, fraudulent, defamatory, harassing, or that infringes someone else's rights.
• Attempt to gain access to another user's account or data without their permission.
• Reverse-engineer, decompile, or attempt to extract the source code of the application.
• Scrape, crawl, or use automated tools to extract data from the service without our written permission.
• Upload malware, viruses, or any code designed to disrupt, damage, or gain unauthorised access to systems.
• Resell, sublicense, or white-label the service without a written agreement with us.
• Circumvent any usage limits, access controls, or security measures we have put in place.
• Use the service to commit fraud, money laundering, or any other financial crime.
• Impersonate another person or organisation.

If we discover that the service is being used in any of these ways, we may suspend or terminate the account immediately without refund. We may also report the activity to relevant authorities where we are legally required or where we believe doing so is necessary to protect others.

When you upload a bill, enter an expense, or add any other content to billplit, that content belongs to you. We do not claim any ownership over it.

However, to provide the service, you grant us a limited licence to store, process, and display your content to you and the other members of your shared space. This licence is non-exclusive, royalty-free, and exists only for as long as you use billplit or until you delete the content, whichever comes first.

You are responsible for making sure you have the right to upload content you add to billplit. For example, if you upload a bill that contains someone else's personal information, you should have a legitimate reason to process it (such as being their co-parent or flatmate, as the service is designed for).

We do not look at the content of your bills except where strictly necessary to provide the service (such as AI extraction) or to investigate a reported abuse issue. We do not use your bill content to train AI models. This is covered in more detail in our Privacy Policy.

When you create a space and invite someone else, you are sharing a view of your expense data with that person. Before you invite someone, make sure you actually want them to see that information.

The person who creates a space is the space "owner". Only the owner can permanently delete the space and all its history. Both members can add, edit, and delete expenses within the space.

If a dispute arises between you and the other person in a shared space — about who owes what, or anything else — that is a matter between the two of you. billplit is a calculation tool, not an arbitration service. We cannot intervene in personal or financial disputes between users, and the figures shown in the app do not constitute legal evidence of a debt unless you and the other party have agreed to treat them as such.

If someone in your shared space is misusing the service or harassing you, contact us at support@billplit.com. We will look into it and take appropriate action.

billplit has a free tier and a paid Pro tier. The current features and pricing for each are described on the pricing page. We reserve the right to change what is included in each tier with reasonable notice — see section 12 for how we handle changes.

Pro subscriptions are billed monthly. Payments are processed by Stripe. By subscribing, you authorise us to charge your payment method on a recurring monthly basis until you cancel.

You can cancel your Pro subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period — you will retain Pro access until then and will not be charged again after that point. We do not offer prorated refunds for partial months, unless required by applicable consumer law in your country.

If a payment fails, we will retry it and send you a notification. If payment remains outstanding for more than 7 days, your account may be downgraded to the free tier until the issue is resolved. Your data will not be deleted — you will simply lose access to Pro features until you update your payment details.

All prices are shown in euros and are exclusive of any applicable taxes. If you are in a jurisdiction where VAT or a similar consumption tax applies, it will be added at checkout.

We offer a 14-day money-back guarantee on your first Pro payment. If you subscribe to Pro and decide within 14 days that it is not right for you, contact us at support@billplit.com and we will issue a full refund, no questions asked.

After the first 14 days, payments are non-refundable except where required by the consumer protection laws of your country. In the EU and UK, you have a statutory right of withdrawal for digital services under certain conditions — if you believe this applies to you, please get in touch and we will assess your situation fairly.

If we make a billing error — for example, charging you twice or at the wrong amount — we will fix it promptly and issue a refund for the difference.

We aim to keep billplit available and working well. We run on reliable infrastructure and we take outages seriously when they happen. That said, we cannot guarantee 100% uptime — no honest service can.

We will perform maintenance from time to time, usually during off-peak hours. For planned maintenance that will cause downtime of more than 30 minutes, we will try to give you at least 24 hours' notice via email or an in-app banner.

If the service is unavailable for an extended period due to something on our end (not a force majeure event), we will consider offering an account credit on a case-by-case basis. This is not a guaranteed SLA — we are a small team and we are being honest about what we can commit to.

We are not liable for any loss or damage caused by downtime, outages, or the unavailability of the service. See section 13 for our full limitation of liability.

The billplit application — including its code, design, visual assets, and text — belongs to Bitavox. These Terms do not transfer any ownership of that to you. What you get is a non-exclusive, non-transferable licence to use the service for its intended purpose while you have an active account.

"billplit" and "Bitavox" are our trading names. You may not use them in your own product name, domain name, or marketing without our written permission.

If you give us feedback, suggestions, or ideas about the service — which we welcome — you agree that we can use those ideas freely without owing you anything. We appreciate feedback and sometimes it directly shapes what we build, but we cannot make commercial commitments about what we do with it.

We are building an early-stage product and things will change. Here is how we handle that:

Changes to features: We may add, modify, or remove features at any time. For significant removals that affect Pro subscribers, we will give at least 30 days' notice by email. We will never remove a feature that you are actively using without telling you first.

Changes to pricing: We may change the price of the Pro subscription. We will give at least 30 days' notice before any price increase takes effect. If you do not want to pay the new price, you can cancel before the change takes effect and your account will downgrade to the free tier without any charges at the new price.

Changes to these Terms: For material changes to these Terms — anything that meaningfully affects your rights or obligations — we will send you an email at least 14 days before the change takes effect. The updated Terms will state the new effective date. If you continue to use billplit after that date, we will treat that as acceptance. If you disagree, you can close your account before the change takes effect.

For minor changes (correcting typos, clarifying language without changing substance), we will update the page without advance notice.

You can leave any time. You can delete your account from the settings page at any time. There is no lock-in period. If you are on Pro, deletion takes effect at the end of the current billing period so you are not charged for a period you will not use.

We can terminate too. We may suspend or permanently terminate your account if:

• You materially breach these Terms and, where the breach is fixable, you have not fixed it within 7 days of us notifying you.
• We are required to do so by law or a court order.
• We have good reason to believe that continued access poses a risk to other users, to us, or to third parties.
• You engage in fraudulent activity in connection with the service.

Where we terminate for breach, we will give you written notice explaining why. In genuine emergencies (such as an active security threat), we may suspend access immediately and explain afterwards.

If we terminate your account for reasons unrelated to your conduct — for example, if we shut down the service — we will give you at least 30 days' notice and a prorated refund of any prepaid Pro subscription fees.

After termination, your data is handled as described in the Privacy Policy. Sections of these Terms that naturally survive termination (such as limitation of liability, intellectual property, and dispute resolution) continue to apply.

billplit is provided "as is" and "as available". To the fullest extent permitted by law, we make no warranties — express, implied, statutory, or otherwise — about the service. This includes, but is not limited to, any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

In particular, we do not warrant that:

• The service will be uninterrupted, error-free, or free from viruses or harmful components.
• The AI extraction feature will always extract the correct amount, date, or category from a bill. It makes mistakes, and you should always review its output before saving.
• The calculations in the app constitute legally binding records of any debt or obligation between users.
• The service will meet your specific requirements or expectations.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

To the fullest extent permitted by applicable law, our total cumulative liability to you for any claims arising out of or related to these Terms or the use of billplit — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — is limited to the greater of:

• The total amount you have paid us in the 12 months before the claim arose, or
• €100.

We are not liable under any circumstances for any indirect, incidental, special, consequential, or punitive damages. This includes loss of profits, loss of data, loss of goodwill, or any financial loss arising from your reliance on figures shown in the app.

A concrete example of what this means: if a calculation error in the app causes you and the other person in your space to settle incorrectly, and you suffer a financial loss as a result, our liability for that is capped as described above. This is why we always ask you to review AI-extracted data before saving, and why we are transparent that the app is a tracking tool, not a legal instrument.

If you are a consumer in the EU or UK, these limitations apply to the extent permitted by your local consumer protection law. Nothing above removes rights you have under non-waivable consumer legislation.

If you use billplit in a way that causes us or a third party loss or harm, you agree to indemnify and hold us harmless from any claims, damages, losses, costs, or expenses (including reasonable legal fees) that arise from:

• Your breach of these Terms.
• Your violation of any applicable law or regulation.
• Content you upload or submit to the service that infringes the rights of a third party.
• Any dispute between you and another user of the service.

This indemnity is proportionate to your conduct and does not apply where the loss or harm is primarily caused by our own negligence or breach.

These Terms are governed by the laws of [Your Country — e.g. France], without regard to its conflict of law provisions.

If a dispute arises between us, we would much prefer to resolve it without going to court. Before starting any formal legal proceedings, please contact us at support@billplit.com and give us a reasonable opportunity to resolve the issue. Most disputes can be sorted out quickly by email.

If informal resolution does not work, disputes will be subject to the exclusive jurisdiction of the courts of [Your City/Country]. If you are a consumer resident in the EU, you may also be entitled to use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

If you are a consumer in the UK, you may also refer certain disputes to an approved Alternative Dispute Resolution (ADR) scheme. We will let you know which scheme we use if and when this becomes relevant.

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding billplit and supersede all prior agreements or understandings.

Severability. If any part of these Terms is found to be unenforceable, that part will be modified to the minimum extent necessary to make it enforceable, or removed if that is not possible. The rest of the Terms continue in full force.

No waiver. If we fail to enforce a provision of these Terms on one occasion, that does not mean we have waived our right to enforce it in the future.

Assignment. You may not assign your rights or obligations under these Terms to anyone else without our written consent. We may assign ours — for example, in connection with a merger or acquisition — but we will notify you if we do.

Force majeure. We are not liable for any failure to perform our obligations under these Terms if that failure is caused by events beyond our reasonable control, such as natural disasters, pandemics, infrastructure failures, or government action.

Language. These Terms are written in English. If they are translated into another language and a conflict arises, the English version prevails.

If you have any question about these Terms, something in them is unclear, or you want to get in touch for any other reason:

• Email: support@billplit.com
• Legal enquiries: legal@billplit.com
• Post: [Your Company Name], [Your Address], [City, Country]

We aim to respond to all enquiries within 3 business days.