Terms of Service

Last updated: March 12, 2026

Welcome to QoolSplit. These Terms of Service ("Terms") govern your use of the QoolSplit mobile application and related services (the "App") operated by QoolSplit ("we", "us", or "our"). By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, you must not use the App.

1. Acceptance of Terms

By accessing or using QoolSplit, you confirm that you are at least 13 years old (or the minimum age required in your jurisdiction) and that you agree to comply with these Terms. If you are using the App on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

QoolSplit is an expense-tracking and bill-splitting application that allows users to create groups, record shared expenses, calculate balances, and track settlements. The App is a record-keeping tool and does not process, hold, or transfer any money or financial transactions.

3. User Accounts

To use QoolSplit, you must create an account using a valid email address. You are responsible for maintaining the confidentiality of your account and for all activity that occurs under it. You agree to provide accurate, current information and to update it as needed. You may delete your account at any time through the App's Profile settings, subject to the data retention provisions in our Privacy Policy.

4. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose or in violation of any applicable laws.
• Attempt to gain unauthorized access to any part of the App, other users' accounts, or our systems.
• Upload or transmit viruses, malware, or other harmful code.
• Use the App to harass, abuse, or harm other users.
• Create multiple accounts for deceptive purposes.
• Reverse-engineer, decompile, or disassemble any part of the App.
• Use automated systems (bots, scrapers) to access or interact with the App.
• Interfere with or disrupt the integrity or performance of the App or its infrastructure.

5. User Content and License Grant

You retain ownership of the data you enter into QoolSplit (expense descriptions, group names, profile information, etc.). However, by using the App, you grant QoolSplit a worldwide, royalty-free, non-exclusive, transferable, sublicensable license to use, store, reproduce, modify, adapt, process, and display your content for the following purposes:

• Providing, operating, and maintaining the App's core functionality.
• Improving, optimizing, and developing the App and its features.
• Creating aggregated, anonymized, or de-identified datasets for analytics, research, machine learning, benchmarking, business intelligence, and any other lawful purpose.
• Complying with legal obligations and enforcing our Terms.

This license continues even after you stop using the App or delete your account, but only with respect to aggregated, anonymized, or de-identified data that can no longer be linked back to you, and as otherwise necessary for the purposes described above (such as maintaining group records for other members). We do not claim ownership of your content.

6. Shared Group Data

When you join a group, other group members can view your display name, profile photo, and expense/settlement activity within that group. You are responsible for the information you share. By adding expenses or settlements to a group, you consent to that information being visible to all current and future members of that group. Group data is retained to maintain accurate records for all members, even if individual members leave the group or delete their accounts (in which case, their contributions are anonymized).

7. Service Availability and Modifications

We strive to keep QoolSplit available at all times, but we do not guarantee uninterrupted or error-free operation. We reserve the right to modify, update, suspend, or discontinue the App (or any part of it) at any time, with or without notice. We may also add or remove features, change pricing, or alter functionality. We are not liable for any modification, suspension, or discontinuation of the service.

8. Intellectual Property

The QoolSplit name, logo, design, and all associated content, features, and functionality are owned by QoolSplit and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the App without our prior written consent.

9. Disclaimer of Warranties

QoolSplit is a record-keeping tool only. We are not a financial institution and do not provide financial, tax, or legal advice. The calculations and balances shown in the App are for informational purposes only. You are solely responsible for verifying the accuracy of any expense or settlement data.

10. Limitation of Liability

To the maximum extent permitted by applicable law, QoolSplit and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, loss of goodwill, or personal injury, arising out of or related to your use of (or inability to use) the App, regardless of the theory of liability. Our total aggregate liability for all claims arising out of or related to these Terms or the App shall not exceed the amount you have paid us in the twelve (12) months preceding the claim, or CAD $50, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless QoolSplit and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the App, (b) your violation of these Terms, (c) your violation of any rights of a third party, or (d) any content you submit through the App.

12. Termination

We reserve the right to suspend or terminate your access to the App at any time, for any reason, including if we reasonably believe you have violated these Terms. You may also terminate your account at any time by deleting it through the App. Upon termination, your right to use the App ceases immediately. The following sections survive termination: 5 (User Content and License Grant), 9 (Disclaimer of Warranties), 10 (Limitation of Liability), 11 (Indemnification), 14 (Governing Law), and any other provisions that by their nature should survive.

13. Changes to These Terms

We may update these Terms from time to time at our sole discretion. We will notify you of material changes by posting the updated Terms within the App and updating the "Last updated" date. Your continued use of the App after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to any changes, your sole remedy is to stop using the App and delete your account.

14. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Ontario, Canada. You agree to waive any objection to venue or jurisdiction in these courts.

15. General Provisions

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. These Terms, together with the Privacy Policy, constitute the entire agreement between you and QoolSplit regarding the App.

16. Contact Us

If you have any questions about these Terms, please contact us at legal@qoolsplit.com.