Terms & Conditions
Last updated: May 25, 2026
1. Acceptance of Terms
Welcome to Split Ledger. These Terms and Conditions govern your access to and use of the Split Ledger mobile application and services. By downloading or using Split Ledger, you agree to be bound by these Terms.
Important: These Terms contain an arbitration clause and class action waiver. Please read Section 10 carefully.
2. Eligibility
To use Split Ledger, you must:
- Be at least 13 years of age
- Have legal capacity to enter a binding agreement
- Provide accurate registration information
- Comply with all applicable laws
3. Description of Service
Split Ledger is an expense tracking application that allows users to:
- Create and manage shared expense groups
- Record and split expenses among members
- Track balances and settlements
- Manage personal transactions
Disclaimer: Split Ledger is a tracking tool only. We do not process payments or transfer funds.
4. User Responsibilities
You agree NOT to:
- Use the Service for illegal purposes
- Impersonate others or misrepresent affiliation
- Harass or harm other users
- Attempt unauthorized access to the Service
- Reverse engineer or decompile the application
5. Intellectual Property
5.1 Our Rights
Split Ledger and all content are owned by GROWWEN TECHNOLOGIES and protected by intellectual property laws.
5.2 Your Rights
You retain rights to your content. By using the Service, you grant us a limited license to use and display your content.
6. Disclaimers
NO FINANCIAL SERVICES: Split Ledger is NOT a financial institution. We do not process, facilitate, or guarantee payments.
AS IS: The Service is provided "AS IS" without warranties of any kind.
NO LIABILITY: We are not responsible for disputes between users or financial losses.
7. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:
- Indirect, incidental, or consequential damages
- Loss of profits, revenue, or data
- Financial losses from user disputes
- Service interruptions or failures
8. Changes to Terms
We may update these Terms from time to time. Your continued use after changes constitutes acceptance of the updated Terms.
9. Governing Law
These Terms shall be governed by applicable laws. Disputes shall be subject to the jurisdiction of competent courts.
10. Dispute Resolution
10.1 Informal Resolution
Contact us at support@growwen.com to resolve disputes informally within 60 days.
10.2 Arbitration
Unresolved disputes shall be resolved by binding arbitration rather than in court.
10.3 Class Action Waiver
Claims may only be brought in individual capacity, not as part of a class action.
11. Contact Information
Email: legal@growwen.com
Support: support@growwen.com
BY USING SPLIT LEDGER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO THESE TERMS.
For questions, contact us at support@growwen.com
Developed by GROWWEN TECHNOLOGIES