Terms of Service

Effective Date: February 19, 2026
App Name: iSplitSmart
Company: Murugad LLC

These Terms govern your use of iSplitSmart. By using the Service, you agree to these Terms.

1. Description of Service

iSplitSmart allows users to:

• Track personal expenses
• Share group expenses
• Manage balances
• Upload receipts

The Service does NOT provide financial advice or banking services.

2. Eligibility

You must:

• Be at least 13 years old
• Provide accurate information
• Have legal capacity to enter agreements

3. Account Responsibility

You are responsible for:

• Safeguarding login credentials
• Activity under your account
• Ensuring device security

4. User Conduct

You agree not to:

• Use the app for illegal activities
• Upload harmful content
• Attempt to hack or disrupt the Service
• Misrepresent financial information

5. Financial Disclaimer

iSplitSmart:

• Does not verify transactions
• Does not enforce payments between users
• Is not responsible for disputes

Users are responsible for their own financial agreements.

6. Intellectual Property

All app content, branding, and software are owned by Murugad LLC. Unauthorized copying or redistribution is prohibited.

7. Service Availability

We strive for reliable service but do not guarantee uninterrupted operation.

8. Limitation of Liability

Murugad LLC shall not be liable for:

• Financial losses
• User disputes
• Indirect damages
• Data loss due to user negligence

Maximum liability is limited to the amount paid (if any) for the Service.

9. Termination

We may suspend accounts that:

• Violate these Terms
• Engage in abuse or fraud

You may delete your account at any time.

10. Governing Law

These Terms are governed by the laws of the State of Texas, United States.

11. Contact

Murugad LLC
Email: support@murugad.com
Website: https://isplitsmart.com