Split Sage

Terms of Service

Effective date: 2026-07-30

By creating an account or using Split Sage ("the Service"), you agree to these terms. If you do not agree, do not use the Service. The Service is operated by the individual developer of Split Sage, established in Greece ("we", "us"), reachable at christos@sudo-ezekiel.com.

1. What Split Sage Is (and Is Not)

Split Sage is a free expense-splitting app. It lets groups of people record shared expenses, split them, see running balances, and mark debts as settled.

Split Sage is a record-keeping tool only. It is not a payment service. Specifically:

• Split Sage does not process payments, hold funds, transfer money, issue money, or act as an intermediary for any transaction.
• Balances, debts, and "settle up" entries in Split Sage are informational records of what users say they owe each other. They are not payment instructions, financial obligations created by us, or evidence we certify.
• Marking a debt as "settled" in the app records a claim that payment happened outside the app. It does not move money and does not prove payment occurred.
• Split Sage is not a bank, money transmitter, payment institution, e-money issuer, escrow agent, or financial adviser, and nothing in the Service is financial, legal, or tax advice.

Any actual payment between users happens entirely outside Split Sage, between those users, by whatever means they choose. We are not a party to it.

2. Eligibility and Your Account

• You must be at least 18 years old to use the Service.
• You sign in one of two ways: with a Google account, or with an email address and a password you choose. With Google, your display name, email address and profile photo come from that Google account. With email and password, you choose a display name and the email address is your login identifier; we store your password only as a salted one-way derivation and never see it in a form we can read.
• If you forget a password, you can reset it yourself with a single-use link we email to your address. If you lose access to that inbox as well, contact us at christos@sudo-ezekiel.com.
• One account per person. Accounts are for individual humans; automated or bulk account creation is prohibited.
• You are responsible for keeping your sign-in credentials and your devices secure, and for all activity under your account. Tell us at christos@sudo-ezekiel.com promptly if you believe your account has been compromised.
• You may not sell, rent, or transfer your account.

3. Balances, Accuracy, and Disputes Between Users

• Everything in a group (expense amounts, descriptions, splits, payer selections, settlements) is entered by users. We do not verify any of it and we make no warranty that any balance, split, conversion, or settlement suggestion is correct.
• Currency conversions and "simplify debts" suggestions are arithmetic over user-entered figures. Check them before relying on them.
• You are solely responsible for your own financial arrangements with other users. Whether a recorded debt is real, enforceable, or paid is a matter between the users involved.
• Disputes between users are between those users. We do not mediate, arbitrate, collect debts, or take sides, and we have no obligation to alter records at one user's request against another's. To the extent permitted by law, you release us from claims arising out of disputes between users.

4. Acceptable Use

Do not use the Service to:

• Harass, threaten, defame, or abuse anyone, including via group names, expense descriptions, notes, invites, or receipt photos.
• Record, facilitate, or conceal illegal transactions or activity, including fraud or money laundering.
• Access or attempt to access other users' data, or probe, attack, overload, or interfere with the Service.
• Scrape the Service, harvest user data, or access the Service by automated means other than the app itself.
• Create accounts in bulk, automate account creation, or otherwise abuse the free service (including excessive automated requests, spam invites, or using the Service as generic storage or a relay).
• Upload malware or unlawful content, or infringe anyone's rights.
• Reverse-engineer the Service except where law grants you that right regardless of contract.

We may rate-limit, suspend, or terminate accounts that violate this section (see Section 9).

5. Your Content

• You keep ownership of everything you put into Split Sage: expenses, descriptions, group names, notes, receipt photos, and profile information ("Your Content").
• You grant us only the license needed to operate the Service: a non-exclusive, worldwide, royalty-free license to host, store, process, transmit, back up, and display Your Content to you and to the members of the groups you share it with, for the purpose of providing the Service.
• No rights beyond that are granted. We do not acquire rights to use Your Content for training machine-learning or AI models, for advertising, or for resale or licensing to anyone.
• This license ends when Your Content is deleted from the Service, except for the anonymized shared-ledger records described in Section 9 and short-lived backups.
• You are responsible for Your Content and must have the right to share it. Content you post to a group is, by design, visible to every member of that group.
• You can export your data from within the app at any time: the whole account as one JSON file (Settings, then Account, then Export my data), or a single group's expenses and settlements as CSV.

6. Privacy

Our privacy policy explains what data we collect and how we handle it, including account deletion. It is part of how we operate the Service but is a separate document from these terms.

7. Free Service, Availability, and Shutdown

• Split Sage is free. No ads, no subscriptions, no paid features.
• The Service is provided "as is" and "as available". We aim for reliability but do not guarantee uptime, error-free operation, or that any feature will remain available.
• We may change, add, remove, or limit features at any time, and may impose reasonable technical limits (storage, request rates, group sizes) to keep a free service viable.
• Shutdown commitment: if we decide to permanently shut down the Service, we will give at least 60 days advance notice, in the app and on this website, and keep the exports available throughout that notice period so you can take your data with you. The only email we send is a password reset link you request; we do not email shutdown notices, so open the app during that period, or watch this website.

8. Donations

Donations (for example via the "Donate" link to Buy Me a Coffee) are:

• entirely voluntary;
• non-refundable;
• not purchases: they unlock no features, content, cosmetics, badges, priority, or special access of any kind, and confer no rights under these terms;
• not tax-deductible charitable contributions; the operator is not a nonprofit.

Donations are processed by the third-party donation platform under its own terms, outside the app.

9. Termination

By you. You may stop using the Service and delete your account at any time, in the app (Settings, then Account, then Delete account) or via the public account deletion page, which works without signing in and after you have uninstalled the app.

By us. We may suspend or terminate your account if you materially breach these terms, if required by law, or as part of a Service shutdown under Section 7. Where reasonable, we will notify you in the app and give you a chance to export your data; for serious abuse (Section 4) we may suspend immediately.

What happens to group data. Groups are shared records, and other members' balances depend on entries you took part in. On account deletion:

• your personal data (your account's display name and photo, your email address, your password credential and any outstanding password reset links, the link to your Google account, session records, push tokens, receipt photos you uploaded) is deleted within 30 days, and immediately when you delete from inside the app;
• expenses and settlements you shared with a group are anonymized, not deleted: your account is closed and everything written afterwards names you as "Deleted user", while the name you were using inside each group stays on the entries you took part in as history, so the non-identifying financial rows remain readable and other members' balances stay intact;
• content in groups with no one left in them but you is deleted with the account, and placeholder members (people added to a group who have never signed in themselves) do not count as anybody left;
• deletion is never refused because of a balance you owe or are owed, and signing in again later, with the same Google account or the same email address, creates a new, empty account rather than restoring the old one.

Sections 1, 3, 5 (as to the surviving license for anonymized records), 10, 11, 12, and 13 survive termination.

10. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Service is provided without warranty of any kind, express or implied, including without limitation warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, and non-infringement. Without limiting Section 3, we do not warrant that any balance, calculation, currency conversion, notification, or export is correct, complete, or timely, or that data will never be lost. Keep your own records of significant debts; the CSV export exists for that.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

• We are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or loss of goodwill, arising out of or in connection with the Service or these terms, under any legal theory (contract, tort, negligence, strict liability, or otherwise), even if advised of the possibility.
• We are not liable for the conduct of other users, for the existence, accuracy, or repayment of any debt recorded in the Service, or for anything that happens in payment arrangements made outside the Service.
• Our total aggregate liability for all claims relating to the Service is limited to the greater of (a) the amount you paid us for the Service in the 12 months before the claim (the Service is free, so this is zero) and (b) EUR 50.

Where these limits do not apply. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain liabilities. Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for gross negligence or willful misconduct where such limits are not permitted, or any consumer right that applicable law makes non-waivable. In those cases, these terms apply to the maximum extent that law allows.

12. Indemnity

To the extent permitted by applicable law, you agree to indemnify and hold us harmless from claims, demands, and damages (including reasonable legal fees) brought by a third party arising out of Your Content, your breach of these terms, or your violation of law or of another person's rights in connection with the Service. This does not apply to the extent a claim results from our own breach of these terms, and it does not limit any non-waivable consumer protections.

13. Governing Law and Disputes

These terms are governed by the laws of Greece, excluding its conflict-of-law rules. Disputes arising from these terms or the Service will be brought in the courts of Greece.

If you are a consumer in the EU/EEA or another jurisdiction whose law gives you mandatory protections or a home-court right, nothing here deprives you of them; you may also be able to use local courts and your local consumer-protection rules.

Before going to court, contact us at christos@sudo-ezekiel.com; most issues can be resolved informally, and we commit to responding within 30 days.

14. Changes to These Terms

We may update these terms as the Service, the law, or app-store requirements change. For material changes we will give at least 30 days advance notice in the app and on this page, with the new effective date. If you do not agree to the updated terms, stop using the Service and delete your account before they take effect; continued use after the effective date constitutes acceptance. Non-material changes (typos, clarifications) may take effect on posting. The current version is always linked from the app under Settings, then Legal.

15. General

• Entire agreement. These terms and the privacy policy are the entire agreement between you and us about the Service.
• Severability. If any provision is held unenforceable, it will be enforced to the maximum extent permissible and the rest remains in force.
• No waiver. Our not enforcing a provision is not a waiver of it.
• Assignment. You may not assign these terms. We may assign them as part of a transfer of the Service, with notice to you.

16. Contact

Questions about these terms: christos@sudo-ezekiel.com

Operator: the individual developer of Split Sage, established in Greece.