Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the SplitYa website and application (the “Service”), operated by Prime Savers (ABN 80 435 179 137) (“SplitYa”, “we”, “us”, “our”). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility and where the Service is offered

You must be at least 18 years old and able to form a binding contract to use the Service. SplitYa is operated from Australia and designed primarily for users in Australia, but it may be used by people in other countries. If you access the Service from outside Australia, you are responsible for compliance with the laws that apply to you, and additional data-protection rights may apply to you as described in our Privacy Policy.

2. What SplitYa is (and is not)

• SplitYa helps you budget using the WISE framework (Wants / Independence / Safety / Essentials), track expenses, split shared costs with others, and manage recurring bills.
• When you settle up with a mate, any payment is made directly between you and them through your own banking apps (e.g. PayID). SplitYa only displays the amounts and payment details you enter — we never hold, move, or have access to your money.
• Payments and settlements. All settle-up payments are made by you, directly through your own banking or payments app. SplitYa only displays amounts and payment details (such as a PayID) that you or your mates have entered — it does not verify recipients, amounts, or whether a payment is actually made. You are solely responsible for confirming payment details before you transfer any money, and any error (wrong recipient, wrong amount, or a mate failing to repay you) is between you and the other person. SplitYa does not hold funds, guarantee repayment, or mediate disputes between users.
• Budget figures, projections, tax estimates and insights are provided for general guidance only and may contain errors. You are solely responsible for your financial decisions. Always seek professional advice for your circumstances.

3. Your account

• You sign in using Google or an email and password via our authentication provider. You are responsible for keeping your credentials secure and for all activity under your account.
• You must provide accurate information and keep it up to date.
• Notify us promptly of any unauthorised use of your account.

4. Subscriptions, billing and cancellation

• Plans. SplitYa offers a free plan (Mate) and paid plans (Good Mate, Top Mate) billed monthly or annually in Australian dollars (AUD). If you pay from outside Australia, your bank or card issuer may apply currency conversion and fees. Current prices are shown on our pricing page and may change (see clause 12).
• Free trial. Paid plans include a 14-day free trial. If you do not cancel before the trial ends, your subscription automatically converts to a paid subscription and your payment method is charged.
• Auto-renewal. Subscriptions renew automatically at the end of each billing period until cancelled. By subscribing you authorise us (via our payment processor, Stripe) to charge your payment method on a recurring basis.
• Cancellation. You may cancel at any time from Settings → “Manage subscription”. Cancellation takes effect at the end of your current billing period; you keep paid features until then. When your paid plan ends, your account reverts to the free plan — your data is retained but features exceeding free-plan limits become read-only.
• Refunds. Except where required by the Australian Consumer Law, payments are non-refundable and we do not provide partial refunds for unused time. Nothing in these Terms excludes rights you have under the Australian Consumer Law.
• Failed payments. If a payment fails, we may suspend or downgrade your access to paid features.

5. Acceptable use

You agree not to: use the Service unlawfully or fraudulently; attempt to access another user’s data; interfere with, disrupt, reverse-engineer, or overload the Service; scrape or bulk-extract data; upload malicious code; or use the Service to harass others. We may suspend or terminate accounts that breach these Terms.

6. Your content and data

• You retain ownership of the information you enter (expenses, budgets, receipts, partner and mate details, etc.). You grant us a limited licence to store and process it to provide the Service, as described in our Privacy Policy.
• You are responsible for having the right to share any third-party information you enter (for example, a mate’s email or PayID).
• Receipt images and voice transcripts you submit for scanning are processed by a third-party AI provider to extract details (see our Privacy Policy).

7. Third-party services

The Service relies on third parties including Stripe (payments), Google Firebase (authentication), Supabase (data hosting), and Google Gemini (receipt and voice processing). Your use of the Service may be subject to those providers’ terms. We are not responsible for the acts or omissions of third-party providers.

8. Intellectual property

The Service, including its software, design, branding and the WISE framework presentation, is owned by SplitYa and protected by law. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service for your own personal use. You may not copy, modify, distribute, sell, or create derivative works without our written permission.

9. Availability and changes to the Service

We aim to keep the Service available but do not guarantee it will be uninterrupted or error-free. We may modify, suspend, or discontinue features at any time. Features marked “coming soon” are not guaranteed.

10. Disclaimers

To the maximum extent permitted by law, the Service is provided “as is” and “as available” without warranties of any kind. We do not warrant that the Service will meet your requirements, that calculations, projections or tax estimates are accurate, or that the Service is fit for any particular purpose. Certain guarantees under the Australian Consumer Law cannot be excluded; nothing in these Terms limits those rights.

11. Limitation of liability

To the maximum extent permitted by law, SplitYa is not liable for any indirect, incidental, special or consequential loss, or for loss of profits, data, or goodwill, arising from your use of the Service. Where our liability cannot be excluded but can be limited, our total liability is limited to the amount you paid us in the 12 months before the event giving rise to the claim (or, if you are on the free plan, AUD $100).

12. Changes to these Terms and pricing

We may update these Terms and our pricing from time to time. If we make material changes, we will take reasonable steps to notify you (for example, by email or in-app notice). Price changes to an existing subscription will take effect from your next billing period after notice. Your continued use of the Service after changes take effect constitutes acceptance.

13. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these Terms or if we discontinue the Service. On termination, your right to use the Service ends; provisions that by their nature should survive (e.g. disclaimers, limitation of liability) will survive.

14. Governing law and your local rights

These Terms are governed by the laws of Western Australia and the Commonwealth of Australia, and you submit to the non-exclusive jurisdiction of the courts of Western Australia. Nothing in these Terms excludes or limits any mandatory consumer-protection or data-protection rights you have under the laws of your country of residence (including, where they apply to you, Brazil’s LGPD or the EU/UK GDPR) that cannot be excluded by agreement.

15. Contact

Questions about these Terms? Contact us at primesavers@hotmail.com.