(last updated December 18th, 2019)
OVERVIEW

All personal data collected from this site complies with the principles of the EU GDPR data protection act 1998 and May 25, 2018. By accessing this site you agree to the terms of this privacy policy and consent to the collection, processing, use or transfer of data as set out in this policy.

For the purpose of processing personal data, we may engage data processors and/or, at our sole discretion, hire other persons to perform certain functions on behalf of Splitbill Tech. In such cases, we shall take necessary measures to ensure that such data is processed by the personal data processors in accordance with any applicable European Union legislation. We shall also require the personal data processors to implement appropriate measures for the security of personal data. In such cases, we shall ensure that such persons will be subject to the non-disclosure obligation and will not be able to use this information for any other purpose, except to the extent necessary to perform the functions assigned to them.

ACCEPTANCE AND USE

This privacy policy covers Splitbill Tech and its subsidiaries including (collectively, “Splitbill Tech," “we" “us" or “our"). We provide mobile apps and related services through our app sites, including Splitbill Tech.com, our branded applications for mobile and connected devices.

By registering for, downloading, or using our services, you accept this privacy policy, which is part of our terms of service. We may modify this privacy policy from time to time. We will post any modified version of our privacy policy https://Splitbill Tech.com/privacy. If we change the privacy policy in a way that materially lessens our commitments to you, we will provide notice to registered users by email or other methods.

DATA PROTECTION PRINCIPLES

“Personal data” means any information that enables us to identify you or the beneficiary of your transaction with us, directly or indirectly, such as name, email, address, telephone number, any form of identification number or one or more factors specific to your or your beneficiary’s identity.

We are committed to complying with applicable data protection laws and will ensure that personal data is:

  • Used lawfully, fairly and in a transparent way;

  • Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes

  • Relevant to the purposes we have told you about and limited only to those purposes;

  • Accurate and kept up to date;

  • Kept only as long as necessary for the purposes we have told you about;

  • Kept securely.

DATA WE COLLECT ABOUT YOU

Splitbill Tech may collect two (2) types of information about you: personal and non-personal.

PERSONAL INFORMATION

Personal information refers to information that lets Splitbill Tech know the specifics of who you are and which may be used to identify, contact or locate you (e.g. Name, mailing address, telephone number and e-mail address). Splitbill Tech may collect personal information when you use the Splitbill Tech materials including, without limitation, setting up account information, filling out surveys, corresponding with Splitbill Tech, or otherwise volunteering information about yourself.

NON-PERSONAL INFORMATION

TNon-personal information refers to information that, by itself, does not identify you as a specific individual (e.g. demographic information or app site visitations). Splitbill Tech may collect non-personal information through any of the methods discussed above as well as automatically through use of industry standard technologies described further below.

HOW SPLITBILL TECH COLLECTS YOUR INFORMATION

The personal information practices set forth apply to all Splitbill Tech’s customers worldwide.

REGISTRATION

Prior to using one or more of Splitbill Tech’s materials, Splitbill Tech may require certain personal information and non-personal information to create an individual account (“account”) or to enable features or functionality of the Splitbill Tech materials. Failure to provide all required information required by Splitbill Tech may prevent access to any or all of Splitbill Tech’s materials, and failure to maintain accurate information may result in suspension or termination of access to any or all of Splitbill Tech’s materials.

INFORMATION COLLECTED THROUGH TECHNOLOGY

While you are able to visit the Splitbill Tech site and remain anonymous, Splitbill Tech or its third party service providers may still collect non-personal information about your use of the Splitbill Tech materials (e.g. your internet browser, operating system, IP address, connection speed, and the domain name of your internet service provider). Such information may be gathered by the following methods:

Cookies, including local shared objects, are small pieces of information that are stored by your browser on your computer’s hard drive which work by assigning to your computer a unique number that has no meaning outside of the Splitbill Tech site. Cookies do not generally contain any personal information. Most web browsers automatically accept cookies, but you can usually configure your browser to prevent this. Not accepting cookies may make certain features of the Splitbill Tech materials unavailable to you.

IP address. You may visit many areas of the Splitbill Tech site anonymously without the need to become a registered user. Even in such cases, Splitbill Tech may collect IP addresses automatically. An IP address is a number that is automatically assigned to yourcomputer whenever you begin services with an internet services provider. Each time you access the Splitbill Tech site and each time you request one of Splitbill Tech’s pages, the server logs your IP address.

Beacons. Beacons are small pieces of data that are embedded in web pages and e-mails. Splitbill Tech may use these technical methods in html e-mails that Splitbill Tech sends to users to determine whether they have opened those e-mails and/or clicked on links in those e-mails. The information from the use of these technical methods may be collected in a form that constitutes personalinformation.

Tracking content usage. If you use the Splitbill Tech services and you post audio visual materials including, without limitation, text, logos, artwork, graphics, pictures, advertisements, sound and other related intellectual property contained in such materials (collectively, “content”) to your app site or to a third party app site, Splitbill Tech tracks and captures non-personal information associated with user accounts and the use of content.

OTHER INFORMATION YOU MAY SUBMIT

You may submit data to us for limited purposes such as requesting customer support; answering a questionnaire; participating in a study; entering contests or sweepstakes; or signing up to receive communications from us or from another user.

AUTOMATICALLY-COLLECTED INFORMATION

We automatically collect certain types of data when you use our services, regardless of whether you have an account. This data includes your IP address, technical information about your device (e.g., browser type, operating system, basic device information), the web page you visited or search query you entered before reaching us, and your activities on our website. We may track your activities using cookies and similar technologies. By using our services, you agree to our use of these methods as set forth in our Cookies Policy.

HOW WE USE YOUR DATA

We may use your data for the following purposes:

  • Identification and authentication: we use your data to verify you when you access your account.

  • Communicating with you: we use your data when we communicate with you (e.g. when we respond to a customer support or otherinquiry).

  • Improving our services: we use your data to understand how our services are being used and how we can improve them. In general, we analyze aggregated data, rather than specific user data. We may, however, need to analyze a specific case to address a specific problem (e.g. a bug that affects only a few accounts).

  • Customizing your experience: we use your data to personalize the service to you. This may include remembering your preferences for language or volume or displaying app that you might enjoy, based upon your viewing choices.

  • Marketing and advertising: we use your data to display ads and send you offers. We may also use your data for delivering third-party advertisements to you. This may include “targeted ads" based on your activities.

  • Exercising our rights: where reasonably necessary, we use your data to exercise our legal rights and prevent abuse of our service. For example, we may use your data to detect and prevent fraud, spam, or content that violates our Terms of Use.

  • Legal compliance: we use your data where we are legally required to do so. For example, we may need to gather your data to respond to a subpoena or court order. Protecting your information: where appropriate, we may anonymize, backup, and delete certain data.

  • Protecting your information: where appropriate, we may anonymize, backup, and delete certain data.

We may use algorithms and other automated means to implement any of the above

RE-MARKETING ON THE WEBSITE AND APP

If you have provided your consent by accepting Targeting Cookies on the Website or enabled Targeting on the App, we may use Google AdWords (re-marketing and Similar Audience features) and Facebook Ads. You can review the Splitbill Tech Cookie Policy which includes details on how to customize your cookie settings.

GOOGLE ADWORDS

Google AdWords enables Google, through the use of cookies, to identify the fact that you have visited the Website / App, to identify aspects of your usage of the Website / App and combine that with what it knows about your usage of other websites in the Google Ads network.

We use these services to advertise to visitors of the Google Ads network websites who have previously visited our Website / App or whom Google deems to have shared interests with visitors of our Website / App. Google’s collection and use of your personal data is covered by Google’s privacy policy. You can set preferences for how Google advertises to you using the Google Ads Preferences page.

WITH WHOM WE SHARE YOUR DATA

We share data with third parties as follows:

  • With your consent: we may share your data with third parties where we have obtained your express consent to do so. You may revoke your consent. we may share your data with third parties where we have obtained your express consent to do so. You may revoke your consent.

  • Authorized vendors: we may share your data with third-party vendors that help us operate our services, process payments, and comply with your instructions and our contractual obligations. This includes payment processors, Content Delivery Networks (CDNs), cloud-based hosting services, monitoring services, email service providers, quality assurance and testing vendors, fraud and abuse prevention vendors, Customer Relationship Management (CRM) systems vendors

  • Advertising: we may share your data with advertising companies to display relevant ads to you. Unless you expressly agree, we will not share or sell your name, email address, or physical address with such persons.

  • Analytics: we may share your data with persons who provide analytics showing how customers are using our services.

  • Affiliates and advisors: we may share your data with our affiliate companies, and our auditors and advisors for planning, financial reporting, accounting, auditing, tax filings, and legal compliance. Unless you expressly agree, we will not share your data with our parent or any affiliate for other purposes, such as direct marketing.

  • Certain legal situations: we may share your data where we believe disclosure is necessary to comply with a legal obligation or in connection with a corporate transaction.

  • Aggregated or anonymized information: we may publicly disclose non-personal aggregated or anonymized information such as our number of visitors and registered users.

DATA RETENTION

We retain your data for as long as you have an account. If you close you account, we will delete your personal information. We may retain logs of automatically collected information (for internal analytics); your email address; your tax information; communications with you; and your transactional information (for auditing, tax, and financial purposes). When we no longer have a business reason for retaining data, we will delete it or anonymize it.

If we receive a request regarding a legal process pertaining to your account, we will retain your data for as long as we, in good faith, believe is necessary to comply with the legal process. Similarly, if we believe that your account has been involved in wrongdoing, we may preserve your data to defend or assert our rights.

YOUR PRIVACY CHOICES

We enable you to make numerous choices about your data:

  • You may choose not to provide us with certain information. For example, you may choose not to create an account or not to provide optional account information.

  • You may change your account and video privacy settings. You may change or correct information voluntarily submitted to us. We encourage you to keep your data current by viewing your settings page.

  • You may choose not to provide us with certain information. For example, you may choose not to create an account or not to provide optional account information.

  • You may choose not to provide us with certain information. For example, you may choose not to create an account or not to provide optional account information.

  • You may opt out of receiving commercial emails from us.

  • You may limit the use of cookies. See our Cookies Policy for options.

  • You may backup your app.

  • You may close your account (which will delete all apps) or delete a certain app.

  • Users from certain countries may have additional rights.

SECURITY MEASURES FOR SAFEGUARDING YOUR INFORMATION

Splitbill Tech takes appropriate security measures to protect against unauthorized access, alteration, disclosure or destruction of personal information. These include, but are not limited to, internal reviews of: (a) Splitbill Tech’s data collection; (b) storage and processing practices; (c) electronic security measures; and (d) physical security measures to guard against unauthorized access to systems where Splitbill Tech stores personal information. All Splitbill Tech employees, contractors and agents who access personal information are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution for unauthorized use or disclosure of personal information.

THIRD-PARTY APPS SITES AND LINKS

The Splitbill Tech contents may contain links to third parties who may collect personal information and non-personal information directly from you. Additionally, Splitbill Tech may use third parties to provide components of the Splitbill Tech contents. In either case, such third parties may have separate privacy policies and data collection practices, independent of Splitbill Tech. Splitbill Tech: (a) has no responsibility or liability for these independent policies or actions; (b) is not responsible for the privacy practices or the content of such app or sites; and (c) does not make any warranties or representations about the contents, products or services offered on such app or sites or the security of any information you provide to them.

EMAIL COMMUNICATIONS

By creating an account, you consent to receive commercial emails from us. These include newsletters and offers. Users from certain countries may have the ability to opt out or opt in at the time of account creation. All users may decline to receive commercial messages in their account settings. Please note that any opt-out request may take several days to process and you will continue to receive transactional emails from us (e.g., emails confirming transactions and/or providing information about your account).

MOBILE DEVICE COMMUNICATIONS

We may, with your consent, send push notifications in our apps. You may disable these by declining them or changing the app’s settings. To the extent provided, we may, with your consent, send sms messages to your mobile telephone for authentication and security purposes. You may opt out of receiving such messages at any time.

DATA SECURITY

We are committed to maintaining the security of your personal data and have measures in place to protect against the loss, misuse, and alteration of the data under our control. We employ modern and secure techniques to protect our systems from intrusion by unauthorized individuals, and we regularly upgrade our security as better methods become available.

Our data centers and those of our partners utilize modern physical security measures to prevent unauthorized access to the facility. In addition, all personal data is stored in a secure location behind firewalls and other sophisticated security systems with limited (need-to-know) administrative access.

All our employees who have access to, or are associated with, the processing of personal data are contractually obligated to respect the confidentiality of your data and abide by the privacy standards we have established. Please be aware that no security measures are perfect or impenetrable. Therefore, although we use industry standard practices to protect your privacy, we cannot (and do not) guarantee the absolute security of personal data.

The Website or App may offer chat rooms, forums, message boards, or news groups to users. It is important to remember that any information disclosed in these areas becomes public information. Accordingly, as with any public forum, you should exercise extreme caution when deciding whether to disclose your personal information.

MOBILE DEVICE COMMUNICATIONS

We may, with your consent, send push notifications in our apps. You may disable these by declining them or changing the app’s settings. To the extent provided, we may, with your consent, send sms messages to your mobile telephone for authentication and security purposes. You may opt out of receiving such messages at any time.

GDPR STATEMENT FOR (EEA USERS)

This applies only to natural persons residing in the European economic area (for the purpose of this section only, “you" or “your" shall be limited accordingly). It is Splitbill Tech’s policy to comply with the EU’S general data protection regulation (GDPR). In accordance with the GDPR, we may transfer your personal information from your home country to the United Kingdom (or other countries) based upon the following legal frameworks:

  • Legitimate business interests: we could not provide our services or comply with our obligations to you without transferring your personal information to United Kingdom

  • Consent: we may transfer your personal information when we receive your express, revocable consent.

  • Our use of standard contractual clauses (also known as “model clauses") where appropriate.

  • You have the right to: opt out of non-essential cookies (see our cookie policy); access, correct, delete, restrict, or object to our use of your personal information; be forgotten; port your data; and withdraw consents.

We enable exercise of these rights primarily through our services (which we reserve the right to modify). For example, we allow users to change their information, download app, and close their accounts. We also fulfil our obligations in response to direct requests. We will endeavor to process requests within one month. Please note that we may not be able to comply with requests to the extent that they would cause us to violate any law or infringe any other person’s rights. We reserve the right to request appropriate identification. We will process requests free of charge unless they would impose an unreasonable cost on us.

If you have a request, complaint or inquiry, please contact our data protection officer at the address listed below. We are committed to working with you to obtain a fair resolution of any issue. You also have the right to file a complaint with the supervisory data protection authority of your jurisdiction.

PRIVACY COMPLAINTS PROCEDURE

Where you believe that we have not complied with our obligations under this Privacy Notice, or the applicable law, you may have the right to make a complaint to a relevant Data Protection Authority or through the courts. Although not required, we would encourage you to let us know about any complaint you might have and Splitbill Tech will respond in line with our complaints procedure – our contact details are set out in the Contact Us section below.

We want to deal with your concerns fairly, effectively and promptly. However, some complaints are more complex than others and may take some time to investigate.

  • We will acknowledge your complaint promptly after receiving it
  • We will keep you informed throughout any investigation

In order to assist in the speedy resolution of any complaint you may have, it’s important that we understand your complaint fully. Sometimes this means we may ask you to address your concerns to us in writing. This can be either by email or post. We have established internal procedures for investigating any complaint, which may also involve experienced members of staff from Splitbill Tech Companies considering or investigating the complaint. Where appropriate, the complaint will be dealt with by someone who was not directly involved in the matter which is the subject of your complaint. The member of staff will either have authority to settle your complaint or will have ready access to someone who has the authority. Our response will fully address the subject matter of your complaint and, if appropriate, will offer redress. If you phone us during our investigation and the member of staff handling your complaint is not available, then another member of our team will try to assist you.

Unless applicable data protection laws require responses within shorter timescales, we will try to resolve any privacy complaints you have within 15 business days of receiving your complaint and in exceptional circumstances, within 35 business days (and we will let you know if this is the case).

As noted above, if you are not satisfied with our reply/outcome, or otherwise with the handling of the complaint, you may have the right to lodge a claim before a relevant Data Protection Authority or the courts.

CHANGES TO SPLITBILL TECH’S PRIVACY POLICY

Splitbill Tech continually strives to implement new technologies and processes to better protect you, your privacy and your use of the Splitbill Tech service. As a result, changes to this privacy policy may be made by Splitbill Tech from time to time. In no event will these changes result in the degradation of any of the security measures designed to protect you from unauthorized disclosure, as such measures are described in this privacy policy.

CONTACT SPLITBILL TECH

If you have any questions about this privacy policy please contact us at

support@Splitbill.net

OVERVIEW
#1 Who are we?

We are based in the UK and provide all consumers in the UK with the new flawless Social Fintech App that helps you interact easily, quickly and most importantly completely securely with your friends, family and co-workers by offering a cashless and pain-free way to split any bill at any time and any place. All you need to do is download our app from the AppStore or Playstore, set up your account and you’re good to go.

#2 How does SplitBill work?

SplitBill works in real time and provides a quick and secure way to transfer money between friends, family and co-workers. No more awkward moments looking for and counting cash or asking the server to take 3-4 or more card payments when it comes to splitting the bill. We now have a totally seamless solution which works instantly with your existing bank accounts. And the good news is you can start using it immediately by downloading for Android devices and iOS devices.

#3 What can I use SplitBill for?

There are literally no limits to the occasions and options that SplitBill offers to divide payments between friends. Whether you are splitting the bill at a restaurant, or a shop,or you just want to request a specific amount as prepayment for a holiday or another event, the app will serve you perfectly well and perform the requested transactions quickly and securely in an instant. So if you are in a restaurant – forget about passing cash around, the app will let you transfer the money to just one of the group immediately and effortlessly. Next time there’s a birthday kitty or you go away camping with a group of friends and need to put together food money, SplitBill will save you the hassle of collecting, counting and carrying cash with you.

#4 What do I need to do if I want to start using SplitBill?

There’s not much that you need to do to start using SplitBill immediately:

Go to your Playstore (for Android) Download the SplitBill app Create an account and link your credit or debit card(s) Start splitting your bills with family, friends or colleagues! *SplitBill will soon be available on the AppStore (for iOS users)

#5 How can I become a Host?

Being a Host, means that you can request funds from any of your Friends on the SplitBill app simply by entering the amount of the bill to be split, select which friends to split it with and then push the icon to send off the request.

#6 How can I become a Friend?

To be a Friend, you need to download the app and link with your other Friends. Then when a Host sends a request to split a bill, you can agree, enter your pin and the funds are transferred seamlessly from any existing credit card that you as a Friend have registered with the App to the card or bank account of the Host.

#7 What are the joining fees for SplitBill?

Joining SplitBill is absolutely FREE for you as a Host or as a Friend. No fees, no costs – just download the app and start splitting the bills with your friends immediately.

#8 Are there any other fees for using SplitBill?

There are no joining or subscription fees for using our services. You only pay a service charge when you do a money transfer or another service executed via the app. This is charged to the debit or credit card or bank account that you have registered with SplitBill Tech and that you have identified as the payment method for the specific transaction.

#9 Are there any limits on transactions with SplitBill?

SplitBill is a social platform that allows its subscribers to interact financially and not just a simple money transfer tool. Thus we cap the amount that registered users can split to £250. However, if the customer would like to exceed this limit he/she must upload his/her ID in the user profile in the app.

#10 Do I get a bank card after I join SpitBill?

SplitBill does not require you have a physical or virtual bank card. All you need to do is install the app and link it to your credit or debit card(s) then you can start using all the benefits of the SplitBill app immediately.

#11 What is Open Banking?

Open Banking is an initiative in the United Kingdom and is backed by the Competition and Markets Authority. It opens data access and provides standards across the financial industry and it allows companies like SplitBill to use open source technology to develop and build the necessary services and applications around financial institutions. In our case, it allows us to build the technology that allows us to seamlessly and securely access your bank cards when you want to receive or transfer funds as a Host or as a Friend via the SplitBill app. There’s no risk for you and we always have security and data privacy as two of our utmost priorities.

SECURITY, PRIVACY & REGULATORY
#12 How do you guarantee that my money is safe if I provide my banking details to you?

We take all necessary measures to protect you and your assets via encryption. Your credit or debit card details are safe when you use SplitBill as we encrypt all the information during the transactions and store it on certified secure payment servers. Therefore it’s impossible for anyone apart from us to access this information without the secure encryption key.

#13 How secure is my Personal Data with you?

We take our commitment to protect your personal data very seriously against loss, misuse, and alteration of the data we have on you that’s under our control. We always use the latest techniques and methods to ensure our systems are protected against unauthorised intrusion. You can find out more by reading our Privacy Policy.

#14 Do you share my data with anyone?

We only share data with third parties either with your clear consent or under legal obligations in certain circumstances. You can find a detailed list under the section entitled ‘With Whom We Share Your Data’ in our Privacy Policy.

#15 How do you ensure the protection of my privacy

Your privacy protection is crucial for us. All of the employees of SplitBill who are in any way associated with or have access to personal data undergo training and abide to very strict standards of data protection and privacy. However, no measures are 100% secure, so we can’t and don’t guarantee the absolute security of personal data.

#16 Why do you need my location?

We only use your location to ensure that if any claims are made about erroneous transactions, you are fully protected. We will not use your location data to encroach on your privacy.

#17 What else can I do to ensure my money’s secure when I use SplitBill

The best advice we can give in addition to all the measures we at SplitBill have put in place is to use your common sense. Like with all other aspects of internet security, in particular when it comes to online payments you should put sound security measures in place when it comes to creating and safeguarding your passwords and pin numbers. Beware of interacting with strangers when it comes to using the app (online or in real life), don’t share financial information before you’re absolutely sure you’re interacting with the right people. And if in doubt, just don’t do it and get in touch with us asap if you suspect fraud or have other security questions.

#18 Does SptlitBill need any regulatory licenses?

No, SplitBill works in partnership with TrueLayer Limited (FCA Reference number: 79317). TrueLayer is a regulated PISP (Payment Initiator Service Provider) according to the PSD2 Regulation and works with fintech companies in the UK to gives easy connection to the OpenBanking platform with compliant APIs.

BENEFITS OF USING SPLITBILL
#19 Why should I use SplitBill?

Think Smart, think SplitBill. – quick, secure and easy to share the cost of any bill whether you’re at the same venue, ordering a present for a friend or co-worker, booking a holiday together or putting a deposit for a party. When you use SplitBill, there’s no need to transfer funds into your account. The transfer happens for specific events when you request your friends to split a bill with you via their own SplitBill accounts. We use encryption of your bank cards’ details to ensure that all transactions are safe and secure.

#20 Where can I use SplitBill?

It works anywhere you are – a restaurant, a cafe, a filling station, or when you’re all in different places making a virtual purchase of a gift, booking a holiday etc. If you are the one who will pay the bill, just select Host mode, add venue, add the friends you are splitting the bill with, then send them a request and the rest is easy. Your friends will instantly receive the request, secured by a pin, choose their payment option and the transaction is instant. The host will then settle the bill without the hassle of numerous card transactions or counting cash or running to find the nearest ATM.

#21 What if something goes wrong and I transfer money to the wrong person?

Our system is highly secure, however things can sometimes go wrong. If you think you have transferred funds to the wrong Host, you have 30 minutes after the transaction to cancel it and we will refund the amount in full, including all service charges. If more time has gone by and you have a doubt about a transaction, please contact us with a request to support@splitbill.net and the reason for the refund so we can issue one accordingly after reviewing the case. To find out more, read our Terms of Use.

#22 What else can SplitBill save me time on?

If you are the friend who always organises holidays or parties, handles group bookings or initiates all the activities around travel and celebrations, SplitBill can save you a lot of time and unnecessary stress. No need to chase your friends any longer, with the instant notifications, you can collect and receive the money instantly via the app. It’s as simple as using a messaging app.

#23 Why is using SplitBill so fast and easy?

There are a few major factors that make SplitBill so fast and easy to use and a huge timesaver for you and your friends: No need to Pre-Pay or Pre-Charge your account No need to carry cash with you when going out or travelling with friends and family No more tedious and numerous card transactions or bank transfers when splitting the bill at a restaurant, prepaying for a holiday or or another event.

#24 How can I split the bill?

We offer two different options for you to split the bill with your friends. Evenly – the algorithm automatically calculates the amount each friend has to pay Manually – you can enter the amount for 1 or more friends manually and they have the choice to accept or decline.

#25 Can I split a bill remotely?

you and your friends don’t have to be at the same place when you split the bill. If you have agreed to share the cost of a birthday gift, holiday deposit or any other purchase that you might want to make online or that one of you needs to make in a store on behalf of the group, all you need to do is send a request to the group in the same way as you would if you were together at a restaurant and splitting the bill.

#26 How do I use the IOU option in SplitBill?

When a Friend receives a payment request from a Host, he/she can choose to click on the IOU option. The Host can approve or refuse the IOU. If the Host approves the IOU, he/she will own the Friend’s credit which will show in the history. This means that the Host can request this credit from his/her Friend at any time just like a ‘paper IOU’ note use to serve as a way to request credit back from the person who issued it. This feature enables friends to loan each other small amounts of money i.e. ‘buddy banking’ (friend-to-friend banking which according to the Wold Bank is the third largest type of banking after the ‘mommy/granny bank’). We know how borrowing money can damage a friendship, so with this feature we hope to be able to save a few from breaking up.

#27 How quickly will payments be processed?

SplitBill is signed up to the UK Faster Payments Service (FPS) initiative. This means that the payments that you receive as a Host or send as a Friend, will arrive within seconds or minutes rather than taking up to 3 days as it used to be done traditionally and is still the case with banks and building societies that do not support the FPS initiative.

#28 Which banks does SplitBill process payments for?

SplitBill payments are powered by TrueLayer and as such we can make payments between any of the banks that they work with and support the different types of accounts and features. You can click on the list or copy paste the following URL in your browser to access it: https://truelayer.zendesk.com/hc/en-us/articles/360016020194-Which-banks-are-supported-in-the-Payments-API-in-the-UK

(Last Updated December 18th, 2019)
DESCRIPTION OF THE TERMS OF USE

Welcome to Splitbill Tech, a platform operated by Splitbill Tech. (“Splitbill Tech,” “we,” or “us”). This document, the Terms of Use, describes the terms on which users (“you”) are authorized to use our app. Splitbill Tech makes available a variety of resources, including content provided on sites, mobile apps, and platforms operated by third parties (collectively, the “Services), and provided to the User (the “User", “user", “you" or “your"). This document is a legal contract and, by using the Services, you agree to be bound by it. If you do not agree to these Terms of Use, you should not use the Services.

Our Data Processing Agreement under the European General Data Protection Regulation (GDPR) forms part of these Terms of Service. (Collectively the “contents, Apps”). PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS APP. THE TERMS AND CONDITIONS ARE INTENDED TO SUPPLEMENT THE APP TERMS OF USE.

THE SERVICES

The services covered by this Agreement include the free services that Splitbill Tech and its affiliates (referred to together herein as “we” or “us”) make available for no fee (the “Services” or the “Service").

Service License: Subject to the terms hereof, we grant you access to our Services. This includes the right to:

  • Download and install the Splitbill app;

  • Use all related functionality that we may provide.

The features available to you are protected with trademark, logo and copyright regulations. We may change features from time to time. If you register an account with us, we commit to providing the best quality apps. We reserve the right to refuse or disable your account with us and you will no longer have access.

ABOUT US

Splitbill Tech is a licensed payment service provider with its registered office at 4, Charan House, 18 Union Rd, Stockwell, London SW4 6JP, United Kingdom.

Splitbill Tech is subject to supervision by the United Kingdom Financial Market Regulations and to the legal regulations for payment services (in all European Union Regions). This regulation makes payments across Europe more transparent and efficient. The license is only provided to users that comply with a wide set of rules and obligations that ensure quality and stability of the payment sector.

Splitbill is easy to use, it helps friends to interact and organise their social and financial commitments in one simple easy to use App. They can then share this across any of the Apps they already know and love.

DOWNLOADABLE SOFTWARE

We may offer applications for devices (“Apps”) directly or through third-party stores. Apps are governed by our App Addendum.

ACCEPTANCE

These terms and conditions apply to all services supplied by Splitbill Tech unless a separate user agreement applies. By completing and submitting a Registration Form to Splitbill Tech, or clicking “I Agree”, or using a Splitbill Tech service or app to access our services, you acknowledge that you have read and agreed with the following terms and conditions.

ACCOUNTS

Registration: You may create an account to use certain features we offer (e.g., downloading or installing our software). To do so, you must provide an email address. You consent to receive notices from Splitbill Tech at this email address.

Age Requirements: You must be at least 13 years old to create an account. If you reside in the European Union, you must be at least 13 years old. If you wish to use the Services for a commercial purpose, you must be at least 13 years old. If you are of the required age, but are still a minor in your jurisdiction, you must have your parent or legal guardian’s permission. Please have that person read this Agreement with you and consent to it before proceeding.

Account Security: You are responsible for all activity that occurs in your account, including unauthorized activity. You must safeguard the confidentiality of your account credentials. If you are using a computer that others have access to, you must log out of your account after each session. If you become aware of unauthorized access to your account, you must change your password and notify us immediately

Passwords and Account Access. The user who created the Splitbill Tech account (the “Account Owner") has access and control over the Splitbill Tech account and the Splitbill Tech ready devices that are used to access our Service and is responsible for any activity that occurs through the Splitbill Tech account. To maintain control over the account and to prevent anyone from accessing the account (which would include information on viewing history for the account), the Account Owner should maintain control over the Splitbill Tech ready devices that are used to access the service and not reveal the password or details of the user associated with the account to anyone. You are responsible for updating and maintaining the accuracy of the information you provide to us relating to your account. We can terminate your account or place your account on hold in order to protect you, Splitbill Tech or our partners from identity theft or other fraudulent activity.

TRANSACTIONS

The Splitbill Tech App enables you to undertake transactions online. We impose Limits on these transactions as set out in the Fees and Limits Table. You can access information on any transaction you have made by accessing your mobile App through our site. This will provide you with detailed information including the Fees you have paid in relation to any transaction. If you should require it, we can also confirm the maximum time it will take for any transaction you have initiated to be executed.

  • We will deduct the value of your transactions and any applicable Fees from your funding source at the time of the transaction. If you make a transaction, any applicable Fees will be added to the amount of the transaction so that the total sum of your transaction amount plus the applicable Fees will be deducted from your funding source.

  • If you are attempting a transaction or redeeming funds in excess of the available balance on your funding source at the time the request is made plus any applicable Fees, then your request will not be processed.

  • In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds in your funding source (a “Shortfall"), the Shortfall shall be reimbursed by you unless it is due to an error on the part of the Merchant. In these circumstances, we may seek the Shortfall from the Merchant.

When the Shortfall must be reimbursed by you, you will be required to load funds immediately to reimburse the negative balance. Until we are reimbursed the Shortfall amount, we may suspend your use of our Services and App. If we believe the Shortfall has been created intentionally this will be treated as potential Fraud

DATA WE COLLECT ABOUT YOU

Splitbill Tech may collect two (2) types of information about you: personal and non-personal.

EQUIPMENT AND ACCESS

You must provide, at your own expense, the equipment and Internet connections that you will need to access and use Splitbill Tech LTD. If you are accessing Splitbill Tech LTD through a telephone line, please call your local phone company to determine if the access numbers you select are subject to long distance or other toll charges at your location. Also, if you elect to use your wireless applications (such as cell phones, wifi connections) to use certain Splitbill Tech LTD features, including any Splitbill Tech LTD mobile applications, your wireless carrier may charge standard fees for alerts, text messaging (including receiving/sending instant messages and e-mail), web browsing and other services that require the use of airtime and wireless data services. Check with your carrier to verify whether there are any such fees that may apply to you. You are solely responsible for any costs you incur to access Splitbill Tech LTD through any wireless or other communications service. If you register to use any Splitbill Tech LTD mobile applications, you agree that we may communicate with you regarding Splitbill Tech LTD by SMS, MMS, text message or other electronic means to your mobile device and that certain information about your usage of the mobile services may be communicated to us.

USE OF SOFTWARE

We may make software available for you to download or use. Such software will be subject to the terms of the license agreement that accompanies it. If there is no license agreement presented to you with the software, then the terms in this Section 15 shall govern your use of such software. We grant you a personal, non-exclusive, non-transferable, limited license to install the software on any single computer. The software is protected by copyright and other intellectual property laws and treaties and is owned by us or our suppliers. You may not sell or redistribute the software. You may not incorporate it or any portion of it into another product. You may not reverse engineer, decompile, or disassemble the software or otherwise attempt to derive the source code (except where expressly permitted by law). You may not modify, adapt, or create derivative works from the software in any way or remove proprietary notices in the software. You agree to abide by all laws and regulations in effect regarding your use of the software. You may not authorize or assist any third party to do any of the things prohibited in this section. We may automatically check your version of the software and update it to improve its performance and capabilities. If you shut down the software during an automatic update or otherwise interfere with the installation of the update, the software may be damaged and/or cease to operate.

HARDWARE AND SOFTWARE

You are responsible for making all arrangements necessary for you to have access to our App and for maintaining the hardware and software noted in these terms

THE CONTENT
  • 1. Usage Rules and Limitations. You may only access and view the Content personally and for a non-commercial purpose in compliance with these Terms. You may not either directly or through the use of any device, software, internet site, web-based service, or other means remove, alter, bypass, avoid, interfere with, or circumvent any copyright, trademark, or other proprietary notices marked on the Content or any digital rights management mechanism, device, or other content protection or access control measure associated with the Content including geo-filtering mechanisms. You may not either directly or through the use of any device, software, internet site, web-based service, or other means copy, record, download, stream capture, reproduce, duplicate, archive, distribute, upload, publish, modify, translate, broadcast, perform, display, sell, or transmit or retransmit the Content unless expressly permitted by the terms of your subscription or otherwise by Splitbill Tech in writing. You may not incorporate the Content into, or stream or retransmit the Content via, any hardware or software application or make it available via frames or in-line links unless expressly permitted by Splitbill Tech in writing. Furthermore, you may not create, recreate, distribute or advertise an index of any significant portion of the Content unless authorized by Splitbill Tech. You may not build a business utilizing the Content, whether or not for profit. The Content covered by these restrictions includes without limitation any text, graphics, layout, interface, logos, photographs, audio and video materials, and stills. In addition, you are strictly prohibited from creating derivative works or materials that otherwise are derived from or based on in any way the Content, including montages, mash-ups and similar videos, wallpaper, desktop themes, greeting cards, and merchandise, unless expressly permitted by Splitbill Tech in writing. This prohibition applies even if you intend to give away the derivative materials free of charge.

  • 2. Content Subjectivity. Content tends to elicit varying reactions among different people. You may come across Content that you find offensive, indecent, explicit or objectionable. Also, Content types, genres, categories, and descriptions are provided as suggestions to help with navigation, and Splitbill Tech does not guarantee that you will agree with them. You acknowledge these risks.

  • 3. Content Presentation. We want you to have the best experience with our Services, including the ability to easily discover new Content. To help you do that, Content you view across all Services may include promotional videos (e.g., previews or trailers) before and after that Content.

COMPATIBLE DEVICES

In order to access the Services, you will need to use a computer, or mobile device which meets the system and compatibility requirements that we establish from time to time ( a “Compatible Device”). Please note that Compatible Devices may vary by Service. For example, certain devices may not be capable of sending Content from the site but may be capable of receiving other Content. Features and functionalities that we make available through the Services may also differ by Compatible Device. Currently, our Services are compatible with all devices running iOS or Android systems.

MOBILE PHONES

If you use your mobile phone to place a Money Transfer, you are responsible for any fees that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge. Your phone service provider is not the provider of Our Services; instead, we are the provider of Our Services.

OWNERSHIP

You agree that Splitbill Tech owns and retains all rights to the Services. You further agree that the Content you access and view as part of the Services is owned or controlled by Splitbill Tech and Splitbill Tech’s content programmers. The Services and the Content are protected by copyright, trademark, and other intellectual property laws.

MONITORING AND ENFORCEMENT; TERMINATION

We have the right to our sole discretion to take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of Our App or Services, and

  • We can suspend or terminate your access to all or part of our App for any or no reason, including without limitation, any violation of these Terms. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone effecting a transaction on or through our App.

YOU WAIVE AND HOLD HARMLESS SPLITBILL TECH FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY YOU DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER SPLITBILL TECH OR LAW ENFORCEMENT AUTHORITIES OR REGULATORY AUTHORITIES RELATED TO OUR SERVICES OR YOUR USE OF OUR APP.

YOUR RESPONSIBILITIES

In order for us to keep the Services safe and available for everyone to use, we all have to follow the same rules. You and other users must use the Services for lawful, non-commercial, and appropriate purposes only. Your commitment to this principle is crucial. You agree to observe the Services, Content, Video Player and embedding restrictions detailed above, and further agree that you will not use the Services in a way that:

  • – violates the rights of others, including patent, trademark, trade secret, copyright, privacy, publicity, or other proprietary rights;

  • – uses technology or other means to access, index, frame or link to the Services (including the Content) that is not authorized by Splitbill Tech (including by removing, disabling, bypassing, or circumventing any content protection or access control mechanisms intended to prevent the unauthorized download, stream capture, linking, framing, reproduction, access to, or distribution of the Services);

  • – involves accessing the Services (including the Content) through any automated means, including “robots," “spiders," or “offline readers" (other than by individually performed searches on publicly accessible search engines for the sole purpose of, and solely to the extent necessary for, creating publicly available search indices – but not caches or archives – of the Services and excluding those search engines or indices that host, promote, or link primarily to infringing or unauthorized content);

  • – introduces viruses or any other computer code, files, or programs that interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;

  • – damages, disables, overburdens, impairs, or gains unauthorized access to the Services, including Splitbill Tech’s servers, computer network, or user accounts;

  • – removes, modifies, disables, blocks, obscures or otherwise impairs any advertising in connection with the Services (including the Content);

  • – uses the Services to advertise or promote services that are not expressly approved in advance in writing by Splitbill Tech;

  • – collects information in violation of Splitbill Tech’s Privacy Policy;

  • – encourages conduct that would constitute a criminal offence or give rise to civil liability;

  • – violates these Terms or any guidelines or policies posted by Splitbill Tech;

  • – interferes with any other party’s use and enjoyment of the Services; or

  • – attempts to do any of the foregoing.

If Splitbill Tech determines in its sole discretion that you are violating any of these Terms, we may (i) notify you, and (ii) use technical measures to block or restrict your access or use of the Services. In either case, you agree to immediately stop accessing or using in any way (or attempting to access or use) the Services, and you agree not to circumvent, avoid, or bypass such restrictions, or otherwise restore or attempt to restore such access or use.

NO SPAM/UNSOLICITED COMMUNICATIONS

We know how annoying and upsetting it can be to receive unwanted emails or instant messages from people you do not know. Therefore, you may not use the Services to harvest information about users for the purpose of sending, or to facilitate or encourage the sending of unsolicited bulk or other communications. You understand that we may employ technical measures to prevent spam or unsolicited bulk or other communications from entering, utilizing, or remaining within our computer or communications networks. If you post (as defined in these terms) or otherwise send spam, advertising, or other unsolicited communications of any kind through the Services, you acknowledge that you will have caused substantial harm to Splitbill Tech and that the amount of such harm would be extremely difficult to measure.

DISPUTES WITH MERCHANTS

If you have any disputes about purchases made using your Splitbill Tech App, you should settle these with the Merchant you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your account. Remember that once you have used your Wallet to make a purchase we cannot stop that transaction.

CERTAIN HIGH RISK OR COMPLEX JURISDICTIONS

We reserve the right not to accept or allow payments from or make payments to, either directly or indirectly, certain jurisdictions which we have determined, acting in our sole discretion, are high risk to our business or involve a higher level of complexity. We further reserve the right to request additional information from you, including information on the recipient, where payments are to be made to certain jurisdictions, and if you fail to provide such information we may, in our sole discretion, close out a transaction or cancel a money transfer

UNLAWFUL ACTIVITY

You are prohibited from using your account for the purposes of legalization of the illegal proceeds, illegal activities, illegal trade, and any other transactions made in violation of the applicable laws.

You will use all reasonable efforts to prevent using your account for illegal trade, illegal financial transactions, or legalization of illegal proceeds

SOFTWARE DOWNLOADS

In order to participate in certain Services or access certain Content, you may be notified that it is necessary to download software or other materials or agree to additional terms and conditions. Unless otherwise provided by these additional terms and conditions, they are hereby incorporated into these Terms.

SPREAD

If you elect to have a Money Transfer paid to a recipient in a currency other than the currency of the transfer amount you pay to us (“Payout Currency”), a retail exchange rate may be applied in addition to any service charge appearing on the face of your Contract Note. The Payout Currency for such Money Transfer is acquired by us at a wholesale rate that fluctuates, but may approximate the wholesale rate for such Payout Currency listed in newspapers such as the Wall Street Journal®. The difference between the retail exchange rate applied to such Money Transfer transaction and the wholesale exchange rate at which we acquired the Payout Currency will be kept by us as revenue, in addition to any Service Charges.

SERVICE CHARGES AND ADDITIONAL FEES

In consideration of your use of Our Services, you agree to pay a service charge per Transaction, Money Transfer or any other service executed through Our App. The service charge will be charged to the bank account you identify as the payment method for your transaction. The service charge will be displayed online for your authorization prior to submission of the Transaction or Money Transfer. Our service charge schedule is subject to change from time to time in our sole and absolute discretion. In addition to any fees charged by us, a Money Transfer may be subject to additional fees assessed by the United Kingdom government, the region where the Money Transfer originates, the government of the destination country, or the financial institution in the destination country at which your recipient holds a bank account.

CLAIMS OF COPYRIGHT INFRINGEMENT DMCA

We respect the intellectual property of others. If you believe that your work has been copied and is accessible on Splitbill Tech in a way that constitutes copyright infringement, please follow the instructions on how to contact us to report possible copyright infringement.

In accordance with the Digital Millennium Copyright Act. Splitbill Tech will respond expeditiously to claims of copyright infringement that are reported to Splitbill Tech designated copyright agent identified below. If you are a copyright owner, or are authorized to act on behalf of an owner of the copyright or of any exclusive right under the copyright, and believe that your work has been copied in a way that constitutes copyright infringement, please report your notice of infringement to Splitbill Tech by providing Splitbill Tech designated copyright agent listed below with the following information:

  • 1. A Physical or electronic signature of a person authorized to act on behalf of the owner of the copyright interest.

  • 2. A description of the copyrighted work that you claim has been infringed, or if there are multiple works, a representative list of the works. Please note that you will be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that a file infringes your copyrights.

  • 3. A description of the material that you claim is infringing and information sufficient to establish where it is located on the app, which information should include the complete URL associated with each file, image or video. To delete files from Splitbill Tech LTD’s index, Splitbill Tech LTD requires an accurate means by which to identify potentially infringing files.

  • 4. Your address, telephone number, and email address;

  • 5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and,

  • 6. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Splitbill Tech LTD’s Copyright Agent for notice of claims of copyright infringement can be reached as follows: Copyright Agent copyright [at] Splitbill Tech LTD.com

SPLITBILL TECH LTD RESERVES THE RIGHT TO REMOVE CONTENT IN ITS DISCRETION AND TERMINATE THE ACCOUNTS OF SPLITBILL TECH LTD USERS WHO REPEATEDLY INFRINGE, OR APPEAR TO INFRINGE, THE INTELLECTUAL PROPERTY OR OTHER RIGHTS OF THIRD PARTIES.

TERM, TERMINATION, AND SUSPENSION

The term of this Agreement (“Term”) will commence, and you may begin using the Services, once you agree to the terms and conditions of this Agreement by completing the registration process for your Splitbill Tech Web Services account and beginning to use the services, and/or by clicking the “Accept” button below. The Agreement will remain in effect until terminated by you or us in accordance with this term.

RISK MANAGEMENT & DISCLOSURES

The User represents and warrants to Splitbill Tech that:

  • 1. The User have received, read and understood the Financial Services Guide and Product Disclosure Statement.

  • 2. The User acknowledges, recognises and understands that running numerous transactions online may involve a degree of risk and loss, depending on the nature and purpose of the transaction, and is appropriate only for persons who can assume risk of such loss

  • 3. The User has read these Terms & Conditions and understands that Splitbill Tech has only provided general advice, and the User has considered its objectives and financial situation and has obtained appropriate independent advice prior to entering into these Terms & Conditions, and has formed the opinion that using the service or app is suitable for the user’s needs and purposes

  • 4. The User has taken such independent legal and financial advice as the User considers necessary prior to executing these Terms & Conditions; and

  • 5. The User is willing and able, financially and otherwise, to assume the risk of using the Service or app.

The User acknowledges that neither Splitbill Tech nor any associated entity guarantees the performance of any given Contract or account nor that any transaction will be acknowledged.

FINANCIAL MARKETS

No advice: Although we may provide you with market information should you ask us to do so, we do not provide advice and you should not treat any information we provide to you as advice. It is entirely for you to decide whether or not to make a Request and entirely for you to decide whether or not a Request, a particular Trade, transaction and your instructions to us, are suitable for you and your circumstances.

BANK TIMING

You should be aware that banks have fixed cut off times for the receipt and dispatch of electronic payments. We are not responsible for and have no liability for any delay in or failure of any transaction which results from a late arrival of funds or from late receipt of instructions.

INFORMATION AND NOTIFICATIONS CONCERNING A MONEY TRANSFER

The Regulations require us to provide certain information and notifications to you concerning any Money Transfer we perform for you.

We will communicate such information and provide you with such notifications electronically in accordance with your Consent to Use Electronic Records, Notices and Communications as described in these Terms and Conditions.

This means that, unless expressly provided otherwise under the Regulations, we may do so by making such information and notifications available to you on Our Website through your online Account in a retainable form, by sending you an email or by writing to you. We may also direct you to particular pages or sections of Our Website or to your Account and may, from time to time, provide you with or make available to you a copy of any brochures, leaflets or other documentation which we produce which we reasonably consider may be helpful.

We will provide you with any information that we are required by the Regulations to provide to you concerning any Money Transfer we perform for you in such manner and form and as often as we reasonably consider necessary to properly comply with our obligations.

REFUNDS POLICY

You can cancel a Money Transfer for a full refund within 30 minutes of payment, unless the funds have already been deposited. For transactions scheduled at least three days before the transfer date, we must receive your request for cancellation at least three days before the scheduled date of transfer.

If you request us to stop the payment and cancel the Money Transfer and we are able to confirm that payment has not been made to the recipient, we will refund the funds to you including service charges placed by us. All refunds shall be available within ten (10) business days of the refund request.

TERMINATION BY YOU

You may terminate this Agreement for any reason or no reason at all, at your convenience, by (i) providing to us a written notice of termination in accordance with these Terms (ii) closing your account for any Service for which we provide an account closing mechanism, or (iii) through no action other than letting your Free Trial Account expire and never again accessing the account.

USER ACKNOWLEDGEMENTS AND COMPLIANCE WITH APPLICABLE LAWS

The User acknowledges to Splitbill Tech that:

  • 1. Transactions in Foreign currency create an obligation to settle such transactions by the Settlement Date with available funds

  • 2. All dealings executed on behalf of the user pursuant to these Terms & Conditions shall be at the absolute discretion of Splitbill Tech. In particular, Splitbill Tech shall be entitled to take any action it considers necessary in its absolute discretion to ensure compliance with applicable laws and regulatory decisions

  • 3. Splitbill Tech acts as principal in respect to the transaction carried out by the user.

LEGAL REQUIREMENTS FOR COMPLIANCE PROCESS

You will promptly supply us with all information and documentation which we may ask you for at any time to enable us to comply with any legal requirements applicable to us in connection with Our Services, including without limitation those required by the Regulations, anti-money laundering and counter terrorist financing laws or any other applicable laws. You authorize us to undertake all commercially reasonably measures to confirm the accuracy of the information provided by you and to ensure that the provision of Our Services is in compliance with all applicable laws

AUTHORIZATION AND ACCOUNT INFORMATION

You represent and warrant that: (i) the information you provide in connection with your registration for the Services is accurate and complete; (ii) if you are registering for the Services as an individual, that you are at least 13 years of age and have the legal capacity to enter into this Agreement; and (iii) if you are registering for the Services as an entity or organization, (a) you are duly authorized to do business in the country or countries where you operate, (b) the individual clicking “Accept” on this Agreement and completing the registration for the Services meets the requirements of subsection (ii) above and is an authorized representative of your entity, and (c) your employees, officers, representatives and other agents accessing the Services are duly authorized to access the Services and to legally bind you to this Agreement and all transactions conducted under your account.

PERSONAL INFORMATION, DATA PROTECTION

Our policy statement regarding data collection and protection located at https://www.Splitbill.net/privacy (“Privacy Policy") explains the practices that apply to your information when you use Splitbill Tech. Your ongoing use of Splitbill Tech signifies your consent to the information practices disclosed in our Privacy Policy. You consent to the transfer of this information to and within the United Kingdom or such other countries as we may disclose from time to time for processing and storage by us. Additionally, you agree that we may use your User ID to authenticate you on any service provided by us or our affiliates.

INTELLECTUAL PROPERTY
Our Services And The Splitbill Tech Properties

Other than the limited use and access rights and licenses expressly set forth in this Agreement, we reserve all right, title and interest (including all intellectual property and proprietary rights) in and to: (i) the Services; (ii) the Splitbill Tech Properties; (iii) the Marks; and (iv) any other technology and software that we provide or use to provide the Services and the Splitbill Tech Properties. You do not, by virtue of this Agreement or otherwise, acquire any ownership interest or rights in the Services, the Splitbill Tech Properties, the Marks, or other technology and software (including third party technology and software), except for the limited use and access rights described in this Agreement.

YOUR APPLICATIONS, DATA AND CONTENT

Other than the rights and interests expressly set forth in this Agreement, and excluding Splitbill Tech Properties and works derived from Splitbill Tech Properties, you reserve all right, title and interest (including all intellectual property and proprietary rights) in and to Your Content. We will not disclose Your Content, except: (i) if you expressly authorize us to do so in connection with your use of the Services; or (ii) as necessary to provide the Services to you, or to comply with the Agreement or the request of a governmental or regulatory body, subpoenas or court orders.

RESTRICTED USES GENERALLY
  • 1. You may not interfere or attempt to interfere in any manner with the functionality or proper working of the Services.

  • 2. You may not compile or use the Splitbill Tech Properties or any other information obtained through the Services for the purpose of direct marketing, spamming, unsolicited contacting of sellers or customers, or other impermissible advertising, marketing or other activities including, without limitation, any activities that violate anti-spamming laws and regulations.

  • 3. You may not remove, obscure, or alter any notice of any Mark, or other intellectual property or proprietary right designation appearing on or contained within the Services or on any Splitbill Tech Properties

  • 4. Subject to the terms and conditions of this Agreement, you may generally publicize your use of the Services; however, you may not issue any press release with respect to the Services or this Agreement without our prior written consent.

  • 5. You may not publish content on the “Viewer” section of the Splitbill Tech app that we, at our sole discretion, deem offensive. This includes depictions of explicit sexual activities and extreme violence depicted for entertainment purposes.

PROHIBITED TECHNICAL MEASURES

You will not:

  • – Except as authorized by law or as permitted by us: scrape, reproduce, redistribute, create derivative works from, decompile, reverse engineer, alter, archive, or disassemble any part of our Services; or attempt to circumvent any of our security, rate-limiting, filtering, or digital rights management measures;

  • – Submit any malicious program, script, or code;

  • – Submit an unreasonable number of requests to our servers; or

  • – Take any other actions to manipulate, interfere with, or damage our Services

EXCEPT AS MAY BE EXPRESSLY AUTHORIZED UNDER THIS AGREEMENT:
  • – You may not, and may not attempt to, modify, alter, tamper with, repair, or otherwise create derivative works of any software included in or accessed via the Splitbill Tech Properties;

  • – You may not, and may not attempt to, reverse engineer, disassemble, or decompile the Splitbill Tech Properties or the Services or apply any other process or procedure to derive the source code of any software included in or accessed via the Splitbill Tech Properties.

CODE OF CONDUCT

In using our Services, you may not:

  • – Use an offensive screen name (e.g., explicit language) or avatar (e.g., containing nudity);

  • – Act in a deceptive manner or impersonate any person or organization;

  • – Harass or stalk any person;

  • – Harm or exploit minors;

  • – Distribute “spam” in any form or use misleading metadata;

  • – Collect personal information about others;

  • – Access another’s account without permission;

  • – Engage in any unlawful activity;

  • – Embed our video player on or provide links to sites that contain content prohibited or

  • – Cause or encourage others to do any of the above.

DISCLAIMERS

SPLITBILL TECH PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOU USE THE SERVICES AT YOUR OWN RISK. You must provide your own device and Internet access.

EXCEPT AS EXPRESSLY SET FORTH HEREIN, AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, SPLITBILL TECH DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Among other things, Splitbill Tech makes no representations or warranties:

  • – That our Services, or any part thereof, will be available or permitted in your jurisdiction, uninterrupted or error-free, or accessible from all devices or browsers;

  • – Concerning any content submitted by our users;

  • – That any geo-filtering or digital rights management solution that we might offer will be effective;

  • – That our Services will meet your business or professional needs;

  • – That we will continue to support any particular feature or maintain backwards compatibility with any third-party software or device;

  • or

  • – Concerning any third-party Apps, sites and resources.

LIMITATION OF LIABILITY

TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) SPLITBILL TECH SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF BUSINESS, PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES; AND (B) SPLITBILL TECH’S TOTAL LIABILITY TO YOU, EXCEPT FOR SPLITBILL TECH’S CONTRACTUAL PAYMENT OBLIGATIONS HEREUNDER (IF ANY), SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO SPLITBILL TECH OVER THE TWELVE (12) MONTHS PRECEDING YOUR CLAIM(S) OR 500 GBP), WHICHEVER IS GREATER.

SECURITY

We strive to keep Your Content secure, but cannot guarantee that we will be successful at doing so, given the nature of the Internet. Accordingly, without limitation to this terms you acknowledge that you bear sole responsibility for adequate security, protection and backup of Your Content and Applications. We strongly encourage you, where available and appropriate, to (a) use encryption technology to protect Your Content from unauthorized access, (b) routinely archive Your Content, and (c) keep your Applications or any software that you use or run with our Services current with the latest security patches or updates. We will have no liability to you for any unauthorized access or use, corruption, deletion, destruction or loss of any of Your Content or Applications.

RESERVATION OF RIGHTS, SEVERABILITY, FORCE MAJEURE

Splitbill Tech reserves all rights not expressly granted herein. Splitbill Tech’s rights and remedies are cumulative. No failure or delay by Splitbill Tech in exercising any right will waive any further exercise of that right. If any term of this Agreement is found invalid or unenforceable by a court of competent jurisdiction, that term will be limited or severed. Splitbill Tech will not be liable for any delay or failure caused by a force majeure event.

RELATIONSHIP

You and Splitbill Tech are independent contractors of one another; neither party is an agent, partner, or joint venturer of the other. This Agreement binds the parties and their successors, personal representatives, and assigns. You may not assign this Agreement to any person whose account has been terminated by Splitbill Tech or who is prohibited from registering; any such assignment will be void.

THIRD PARTIES

We may provide links to and integrations with Apps or sites operated by others. The app operator, not Splitbill Tech, is solely responsible for the content thereof, and your use of each such app will be subject to its terms of service. We may disable integrations with any third party at any time, with or without notice. Except as expressly stated herein, nothing in this Agreement confers any right on any third party.

ENTIRE AGREEMENT

This Agreement constitutes the entire understanding of the parties and supersedes all prior understandings regarding the subject matter hereof and may not be modified except in accordance with these Terms or in a document executed by authorized representatives of Splitbill Tech. If you have a signed agreement with Splitbill Tech, any conflicting term of that agreement will prevail over the terms hereof, but only as to the subject matter of that agreement.

PRIVACY & EU GDPR DATA PROTECTION

Splitbill Tech is committed to protecting the privacy of your personal information and that of our customers. By using the Splitbill Tech Services, You acknowledge and agree that Splitbill Tech collection, usage and disclosure of this personal information is governed by our Privacy Policy. Additionally, if: (a) You are established in the European Economic Area (EEA); (b) You provide Splitbill Tech Services to customers in the EEA; or (c) You are otherwise subject to the requirements of the EU General Data Protection Regulation, Splitbill Tech’s collection and use of personal information of any European residents is also subject to our Data Processing Addendum.

We collect and use personal data of users to the extent that is necessary for the creation, design of content or modification of the contractual conditions for Splitbill Tech App between the User and Splitbill Tech site. If Splitbill Tech App is involved in the communication for a Splitbill Tech Services agreement between the user and Splitbill Tech, it shall transfer the data required for this agreement to the respective service provider. This service provider processes and uses the data to initiate, conclude and execute the contract on its own responsibility. The identity of the respective service provider can be taken from the App contact us page.

SPLITBILL TECH GDPR STATEMENT

Splitbill Tech believes that individuals should be in control of their Personal Data and recognizes that the need for strong, customer friendly identity proofing solutions has never been greater. As Personal Data is continuously at risk, we strive to create trusted solutions that put individuals at ease and give them control of their data, while simultaneously allowing businesses to address the appropriate level of risk and offer the appropriate security. Splitbill Tech, as a data processor under the GDPR, is compliant with the rigorous demands of the legislation and we want to work and cooperate with our current and future partners and be prepared to meet the requirements of the GDPR together.

SPLITBILL TECH SECURITY MEASUREMENTS

Splitbill Tech has implemented technical and organizational measures to ensure the security of the Personal Data while the data is in Splitbill Tech’s possession or control. The security measures that Splitbill Tech has implemented include, but are not limited to:

  • Encryption of the Personal Data during transmission;

  • Prevention of accidental or unauthorized access, reading, copying, modification, removal or destruction of the Personal Data;

  • Access is restricted to Splitbill Tech’s employees who have a “need to know” in order to carry out the purpose of the processing and all of those employees are under an obligation of confidentiality with Splitbill Tech;

  • Training of Splitbill Tech’s employees regarding the proper handling of Personal Data;

  • The data center where the Personal Data is processed and/or stored has restricted access;

  • Use of technological means (e.g. firewalls) to prevent unauthorized access to the Personal Data while it is in Splitbill Tech’s possession or control;

  • A disaster recovery plan which allows the restoration of all Personal Data after a catastrophic event;

  • Logging of all processing activity of the Personal Data which records when the Personal Data was processed, what processes the Personal Data underwent, anyone that accessed the Personal Data, where and when the Personal Data was transmitted and when the Personal Data was erased from Splitbill Tech’s SAAS service; and

  • Annual review and evaluation of the adequacy of Splitbill Tech’s security measures.

ANTI-MONEY LAUNDERING (AML)

Anti-Money Laundering (AML) is a critical regulatory process, often lumped in with the KYC process. AML assures that the individual you are transacting with is permitted to do so. Along the same line, AML checks verify that an individual is not on any known bad actor list. These lists are constantly updated and monitored by Splitbill Tech.

KNOW YOUR CUSTOMER (KYC)

Know Your Customer (KYC) is a phrase very well known by anyone in a regulated market. This important process allows you to verify that the individual you are dealing with is who they claim to be. By combining indirect and user provided information, Splitbill Tech is able to assess the largest risk factors in online transactions. User documents are scanned using text and document recognition technology. This instant process allows you to quickly assess who you are dealing with and get down to business.

JURISDICTION

The Splitbill Tech Terms of Use have been compiled so as to comply with all English laws, including those required by the EU General Data Protection Regulation (GDPR) and of every country or legal jurisdiction in which we aim to do business. If you think it fails to satisfy the law of your jurisdiction, we should like to hear from you. However, ultimately it is your choice as to whether you wish to use our App or Services. Any dispute arising in connection with these Terms of Use shall be subject to the exclusive jurisdiction of all English laws and arbitration.

We do not represent or warrant that the information complies with the regulatory regime of any other country. If you access the app from other locations outside the United Kingdom region, you do so entirely at your own risk and you are responsible for compliance with local laws.

These Terms and our Privacy Policy shall be interpreted in accordance with and governed by the English laws and the parties shall submit to the exclusive jurisdiction of the United Kingdom courts.

COMPLAINTS

We value all our customers and take our obligations seriously. We have established internal procedures for investigating any complaint that may be made against us in relation to any Money Transfer or our Services. If you have any questions or complaints about us, please call us on +442033710292, or email us at contact@splitbill.net. You may also contact our regulators directly as further described in these terms.

COPYRIGHT NOTICE

Copyright © 2019 Splitbill Tech LTD United Kingdom. All rights reserved.

Any rights not expressly granted herein are reserved. For queries and complaints please send your questions

CONTACT US

If you have any questions or complaints regarding our Terms and Policy please contact us at contact@Splitbill.net

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Get in touch

The SplitBill app is simple and user friendly, free of ads and complicated interfaces.

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Email Address

contact@splitbill.net
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Location

4, Charan House, 18 Union Rd, Stockwell,
London SW4 6JP, United Kingdom