These Terms of Service govern your use of Splitcost. The product helps groups record shared expenses, calculate balances, and simplify settlements, but users remain responsible for reviewing entries and resolving payment disputes.

1. Acceptance of Terms

By accessing or using Splitcost, you agree to these Terms of Service. If you do not agree, you should stop using the service.

2. Description of Service

Splitcost is a web-based expense tracker that allows groups to create shared expense records, assign payers and participants, and review balances. The service is provided on an "as is" and "as available" basis.

3. User Responsibilities

You are responsible for:

The accuracy of expense data you enter
Keeping your group links secure
Using the service in compliance with applicable laws
Not using the service for illegal, harmful, or unauthorized purposes

4. Limitation of Liability

Splitcost is a calculation and record-keeping tool. We are not responsible for:

Disputes between users regarding expenses
Inaccurate calculations due to user input errors
Loss of data due to technical issues
Any financial decisions made based on our calculations

5. Intellectual Property

The Splitcost name, logo, design elements, and related content are owned by Splitcost or its licensors. You may not reuse our branding without permission.

6. Modifications

We may update these terms from time to time. Continued use of the service after an update means you accept the revised terms.

7. Termination

We may suspend or terminate access if we believe a user has violated these terms or used the service in a way that harms the platform or other users.

8. Contact

For questions about these terms, please contact us through the Contact page.