Terms of Service

Last updated: September 6, 2026

The short version. Split Crew is a calculator and a notebook for splitting a check among a group. It does not hold, move, or send money, and it is not financial advice. The numbers it shows are arithmetic on what you or a receipt scan put in — check them before you ask anyone for money. Your bills live on your phone and nowhere else, so if you delete the app they are gone and we cannot get them back. It is provided as is. If something goes wrong, what you can recover from us is capped at what you paid us, or US$50 if that is more. Disagreements go to individual arbitration rather than court, and you have 30 days to opt out of that.

That paragraph is a summary for your convenience and is not the agreement. The sections below are.

1. Agreement to these terms

These Terms of Service (the "Terms") are a binding contract between you and Samuel Albert, an individual residing in the State of Maine, United States, doing business as Split Crew ("Split Crew", "we", "us", or "our"). They cover the Split Crew iPhone app, the Split Crew website, and every related service we provide (together, the "Service").

By ticking the box that says you agree, by tapping "I agree" on the notice the app shows you, or by otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree to them, do not use the Service — delete the app. If you are using the Service on behalf of someone else, you confirm you are authorised to accept these Terms for them.

You must be at least 13 years old to use the Service, and at least 18 (or the age of majority where you live) to make a purchase.

2. What Split Crew is — and what it is not

Split Crew is a record-keeping tool. One person covers a check, the app itemises it, the items get handed out among the group, tax and tip are apportioned, and the app keeps a list of who still owes the payer.

Split Crew does not move money. Specifically:

We do not process payments between you and anyone else, hold funds, or transfer funds.
We do not connect to your bank, card, or payment accounts, and we do not initiate transactions.
Settling up happens entirely outside the Service — in cash, or through a separate app such as Venmo that you use directly. Where Split Crew shows a Venmo handle, a payment link, or a request button, it simply displays that handle or opens that other app with details filled in; the payment itself is between you and that provider, under their terms, and we are not a party to it.
Marking someone as "paid" in Split Crew is a note you make for yourself. It is not a receipt, not proof of payment, and it does not settle anything between you and that person.
We are not a bank, money transmitter, payment processor, money services business, escrow agent, lender, broker, or financial institution of any kind.

The only money we handle is what you pay us for optional purchases, and that is handled by Apple — see section 6.

3. No financial, tax, legal, or accounting advice

Everything the Service shows you — item prices, shares, tax and tip apportionment, fees, totals, balances, who-owes-what lists, reminders — is arithmetic performed on data you entered or that a receipt scan produced. It is provided for your own convenience and is not financial, tax, legal, accounting, or investment advice, and it is not a substitute for professional advice or for your own records.

You are responsible for checking the numbers before you act on them. Before asking anyone for money, before paying anyone, and before using anything from the Service in a tax filing, a legal matter, or any agreement with another person, verify it against the actual receipt.

4. Receipt scanning is best-effort and can be wrong

Split Crew can read a photograph of a receipt using artificial intelligence and turn it into line items, tax, tip, and fees. It also guesses at things like currency, dates, and merchant names.

This is best-effort and will sometimes be wrong, incomplete, or missing entirely. An AI model can misread a price, invent a line item, skip one, or get the tax wrong. A blurry, folded, creased, or unusual receipt can come back with nothing usable at all. Treat every scan result as a draft that you review against the paper receipt, not as a verified fact. We are not liable for the consequences of relying on one without checking it.

5. Your phone, your crew, and your conduct

There are no accounts. Split Crew has no sign-in and no password. Your bills, the people you have split with, your receipt photos, and your settings live on your phone. Anyone who can unlock your phone can see them.
You are responsible for other people's information that you put in. When you add someone to a bill you are typing in their name, and sometimes their payment handle. Only add what you are comfortable recording, and what they would be comfortable with you recording.
A share card is a disclosure. When you send the summary of a bill to a group chat, everyone who receives it sees the names, the items, the amounts, and your payment handle. Once you have sent it we cannot un-send it, and where it goes afterwards is out of both of our hands.
Do not scan or upload content that is unlawful, infringing, or that you do not have the right to share; do not use the Service to harass anyone; do not probe or interfere with the Service's security, scrape it, overload it, resell it, or reverse-engineer it except where the law says you may.
Do not attempt to obtain scans you have not paid for — by tampering with the app, replaying or forging purchase records, or working around the free-scan allowance — and do not use the Service to launder money, evade taxes, or record or facilitate anything illegal.

You keep ownership of the content you put into the Service. Nearly all of it never leaves your phone. The exception is a receipt image you choose to scan, which is sent to our AI provider to be read and is not kept afterwards; you grant us only the limited permission needed to do that for you. We do not sell your content and we do not use it for advertising. The Privacy Policy describes in full what does and does not leave your device.

6. Purchases, scans, and refunds

Split Crew is free to use. Entering a bill by hand, splitting it, sharing it, and tracking who has paid you back cost nothing and always will.
An AI receipt scan is a consumable purchase. Buying one buys a scan credit: a limited licence to have one receipt read. It is not money, has no cash value, cannot be transferred, exchanged, or redeemed for cash, and is spent when a scan returns a result.
A credit is not a promise that the result will be correct or usable — see section 4. Where a scan fails in a way that means the credit was never spent, the app says so and the credit stays available.
Purchases are handled by Apple under Apple's terms, and refunds for them are requested from Apple, not from us. Except where the law requires otherwise, purchases are final and non-refundable, and prices may change.
We may offer free scans, promotional allowances, or gifts — including the free first scan tied to your Apple account. Those are gifts, not purchases; we may limit, expire, or withdraw them, and they cannot be exchanged for cash.
Where a scan fee is added to a bill inside the app so the table can share it, that is a line in your own arithmetic. It is not a charge we make to anyone but you, and collecting it from your friends is between you and them.

7. Availability, changes, and your data

We may change, suspend, or discontinue any part of the Service — or the whole Service — at any time, with or without notice. We do not promise any level of uptime, and the Service depends on third parties (hosting, app stores, AI providers, network operators) whose outages we do not control. If the scanning service is unavailable, the app still works: you can type a receipt in by hand.

Your bills exist only on your phone, and we have no copy. That is a deliberate privacy choice, and it has a consequence you should plan around: if you delete the app, lose or wipe your phone, or the data is corrupted, those bills are gone, and we cannot restore them, because we never had them. Keep your own record — a screenshot, a share card, or the paper receipt — of anything you cannot afford to lose.

8. Disagreements with the people you split with

Split Crew records what you enter. Any disagreement between you and anyone at your table about who ordered what, who owes what, whether a payment was made, whether a split was fair, or whether the tip should have been shared differently, is between the people involved. We are not a party to it, we will not mediate or arbitrate it, and we will not take sides, adjust anyone's balances, or produce, delete, or restore records at one person's request in order to settle it. We are not liable for it.

9. Disclaimer of warranties

The service is provided "as is" and "as available", with all faults and without warranty of any kind. To the fullest extent permitted by law, we disclaim all warranties, express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and any warranties arising from course of dealing or usage of trade.

We do not warrant that the service will be uninterrupted, timely, secure, or error-free, that any defect will be corrected, that a receipt scan will read a receipt correctly or at all, that results or calculations obtained from it will be accurate or reliable, or that your data will not be lost. No advice or information, whether oral or written, obtained from us or through the Service creates any warranty not expressly stated here.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you. In that case such warranties are limited to the shortest period permitted by law.

10. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, savings, goodwill, business, or data, arising out of or relating to these Terms or the Service — whether the claim is based in contract, warranty, tort (including negligence), strict liability, statute, or any other theory, and even if we have been advised of the possibility of such damages.

Without limiting that, we are not liable for money you pay, collect, or fail to collect from anyone, for an incorrect item, share, tax or tip apportionment, fee, total, or balance, for anything a receipt scan misread or missed, for a payment made to the wrong person or in the wrong amount, for a missed reminder or notification, for bills or receipt photos lost from your device, for what happens to a share card after you send it, for any dispute between you and anyone you split with, or for the acts, omissions, outages, or terms of any third-party service.

Our total aggregate liability for all claims relating to the service will not exceed the greater of (a) the total amount you actually paid us in the twelve months before the event giving rise to the claim, or (b) fifty United States dollars (US$50).

These limits apply even if a remedy fails of its essential purpose, and they reflect a reasonable allocation of risk that forms an essential basis of this agreement — the Service is offered on these terms and would not be offered without them. Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you; nothing here limits liability that cannot be limited by law, including for fraud, or for death or personal injury caused by negligence.

11. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Samuel Albert and anyone working on Split Crew from any claim, demand, loss, liability, or expense (including reasonable legal fees) arising out of or relating to: your use of the Service; content you put into it, including other people's names and payment handles; anything you share out of it; your breach of these Terms or of any law; your violation of anyone else's rights; or any dispute between you and anyone you split with. We may take over the defence of any such claim at your expense, and you will not settle it in a way that imposes any obligation on us without our written consent.

12. Stopping, and termination

You may stop using the Service at any time by deleting the app, which removes your bills and receipt photos from your phone — permanently, since we hold no copy. We may suspend or terminate your access at any time, including if we believe you have breached these Terms or if we discontinue the Service. Sections that by their nature should survive termination do survive it — including sections 3, 8, 9, 10, 11, 13, and 14.

13. Governing law

These Terms and any dispute arising out of them or the Service are governed by the laws of the State of Maine, United States, without regard to its conflict-of-laws rules, and by applicable United States federal law (including the Federal Arbitration Act). Subject to section 14, the state and federal courts located in Maine have exclusive jurisdiction, and you consent to their jurisdiction and venue. Nothing here deprives you of the protection of mandatory consumer-protection laws of the country where you live.

14. Disputes: informal resolution, then individual arbitration

Please read this section carefully — it affects how disputes are resolved.

Talk to us first. Before starting any formal proceeding, email legal@splitcrew.app describing the problem and what you would like us to do. Most issues are settled this way. Neither of us may start arbitration until 60 days after that email, and that period is a condition of bringing a claim.

Binding individual arbitration. If we cannot resolve it informally, you and we agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, before a single arbitrator. The arbitration may proceed on documents alone, by phone, or by video; any in-person hearing will take place in Maine or in the county where you live, whichever you prefer. The arbitrator decides the dispute and may award the same individual relief a court could. Judgment on the award may be entered in any court with jurisdiction.

Class action and jury waiver. You and we each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding. You and we each waive any right to a jury trial. If this paragraph is found unenforceable as to a particular claim or request for relief, that claim or request is severed and heard in the courts identified in section 13, while everything else remains in arbitration.

Small claims. Either of us may instead bring an individual claim in small-claims court if it qualifies.

Your right to opt out. You may reject this section 14 by emailing legal@splitcrew.app within 30 days of first accepting these Terms, with the subject line "Arbitration opt-out". Split Crew has no accounts, so tell us enough to know who you are — the Apple ID email you use on the App Store, and roughly when you installed the app. Opting out costs you nothing, changes nothing else about your use of the Service, and does not affect any prior agreement. If you opt out, disputes go to the courts named in section 13 instead.

Unless the law says otherwise, any claim must be brought within one year after it arises, or it is permanently barred.

15. Apple App Store

The Split Crew app is distributed only through Apple's App Store, so the following also applies and Apple requires that we state it:

These Terms are between you and us only, not with Apple, and Apple is not responsible for the Service or its content.
Apple has no obligation to provide any maintenance or support for the app.
If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
Apple is not responsible for addressing any claim you or a third party has relating to the app or your possession or use of it, including product liability claims, any claim that the app fails to conform to a legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.
Apple is not responsible for investigating, defending, settling, or discharging any third-party claim that the app infringes intellectual property rights.
You represent that you are not located in a country subject to a United States Government embargo or designated as a "terrorist supporting" country, and that you are not on any United States Government list of prohibited or restricted parties.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

To the extent any Apple Standard End User Licence Agreement applies to the app, these Terms supplement it, and these Terms govern to the extent of any conflict, except where Apple's terms must prevail.

16. Changes to these Terms

We may update these Terms. When we do, we will change the date at the top of this page, and for material changes we will make a reasonable effort to tell you in the app. Continuing to use the Service after a change means you accept the updated Terms; if you do not accept them, stop using the Service and delete the app. A change to section 14 does not apply to a dispute we were already notified of before the change.

17. Everything else

Severability. If any provision is held unenforceable, it is modified to the minimum extent necessary or severed, and the rest stays in force.
No waiver. Not enforcing a provision is not a waiver of it.
Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of the Service.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between us about the Service and replace any earlier understanding about it.
Force majeure. Neither of us is liable for a failure caused by events beyond reasonable control.
Contact. legal@splitcrew.app for anything about these Terms, or support@splitcrew.app for help with the app.

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