Terms of Use

Acceptance of these terms

Using Master Splitter means accepting these terms and the Privacy Policy. If you do not accept them, do not use the service. You confirm that you have the legal capacity to enter into this agreement; where the law requires a guardian's consent, obtain it before using the service.

What the service does

Master Splitter is a tool for groups: recording and splitting expenses, calculating balances, managing shopping lists and tasks, picking up expenses from a connected WhatsApp group, daily games and notifications. It is available through the master-splitter.com website, as an installed PWA, and as native mobile apps (built with Capacitor) — an Android app distributed on Google Play and an iOS app distributed on the App Store. Some actions use artificial intelligence to extract details from text or from a receipt photo.

What the service is not

The service is an organisational tool only. It is not a bank, a digital wallet, a payment processor, a payments service, bookkeeping, or financial, legal or tax advice. Links to payment apps (such as Bit) or to WhatsApp are offered for convenience only; Master Splitter is not a party to the transfer of money, does not hold funds, and is not responsible for a transaction carried out in an external service.

Your account and your responsibility

• Provide accurate details and keep them up to date.
• Keep your password and account access confidential, and report unauthorised use.
• Do not open an account in another person's name or impersonate anyone.
• The account holder is responsible for actions taken through the account, unless they reported a compromise in time.

WhatsApp groups and participant consent

Whoever connects a WhatsApp group confirms that they are permitted to do so, that they will inform the group members about the bot and about the processing of messages that look like expenses, and that they will refer them to the Privacy Policy. Do not connect a group against the wishes of its admins or members.

The connection works through a linked device / an unofficial client relative to the WhatsApp platform. Outages, disconnections or restrictions on the part of WhatsApp or Meta are possible, including under their own terms of service. You are responsible for complying with the rules that apply to you on external platforms.

Do not send the bot medical information, full credit card details, passwords, identity documents or other sensitive information that is not needed to record an expense. You are responsible for the content you enter and for holding the rights to it.

Artificial intelligence, accuracy and balances

Automatic detection, categories, splits and balances may contain errors. Check every entry and settle disagreements directly between group members. The information in the app is not conclusive proof of a debt and does not replace a receipt, an invoice or an agreement.

Games and notifications

The daily games and the leaderboards are for fair play only. Do not exploit bugs, manipulate results or harm other users' experience. Sending notifications requires permission in the browser or on the device; you can turn off notification types in settings, or revoke the permission at system level.

Acceptable use

Do not use the service to:

• Break the law, or harm another person's privacy or rights.
• Send malicious code, disrupt the service or circumvent security measures.
• Collect information about users without permission, or place an excessive automated load on the service.
• Mislead, defraud, threaten, or run prohibited financial activity.
• Copy, sell or make the service available to others without written permission.

Availability and changes

The service is provided as is and as available. Outages, delays or faults are possible, including because of WhatsApp, Google, AI providers, notification providers or other infrastructure. The operator may change, add or remove features, and carry out maintenance when needed.

A material change to these terms will be published on this page. Continued use after a change takes effect constitutes acceptance of the updated version, subject to law.

Intellectual property

The software, design, name and content of Master Splitter belong to the operator or are licensed to them. You keep the rights in the content you enter, and grant the operator a limited permission to process it solely in order to run, secure and improve the service.

Limitation of liability

To the fullest extent permitted by law, the operator is not liable for indirect damage, loss of profit, loss of data, disputes between users, an incorrect payment, reliance on automatic detection, or a shutdown or restriction by WhatsApp or another external provider. Nothing in this section limits liability that cannot be limited by law.

Ending use and deleting your account

You may stop using the service and disconnect the WhatsApp connection at any time. You can request account deletion from settings; deletion may be blocked while open balances remain. The operator may restrict or end access in the event of a breach of these terms, a security risk, a legal obligation, or discontinuation of the service. How information is handled after you stop using the service is described in the Privacy Policy.

Subscription plans, trial, and referral rewards

The service runs on three tiers — Free, Pro, and Premium. The Free tier is open to every user and includes, with no limit: full financial history, balances and settling up, foreign currency, importing from Splitwise, the shopping list, tasks, and the daily games. Pro and Premium add higher quotas for active groups, receipt scans, and recurring expenses; Premium also adds the WhatsApp bot connection. The exact quotas, and your own usage against them, are shown on the "My Subscription" screen in the app, and may change.

At this stage, quota enforcement is switched off, and every user in practice has full access to the Premium tier at no charge while the quotas are being evaluated. Any future activation of enforcement or of payment will be published on this page in advance, and will not apply retroactively to a period already paid for.

Anyone who imports data from Splitwise automatically receives a one-time, two-month trial of the Premium tier, with no payment method required. When the trial ends, the account reverts to the Free tier; no expense, history, or other data is ever deleted.

Anyone who invites a new user to the service using their personal referral code earns an additional month of the Premium tier for each friend who joins with that code, adds a phone number, and stays active for 14 consecutive days — up to a cumulative cap of 12 months. The operator may withhold or revoke this reward, in whole or in part, in cases of abuse, including the creation of fictitious accounts or a breach of these terms.

When payment is enforced, a purchase inside the iOS app is made with Apple, a purchase inside the Android app is made with Google, and a purchase on the website is made with Paddle, who is the seller to the customer there. The app does not link to website checkout. The subscription renews automatically for the same period until it is cancelled. Cancellation is done with whoever billed you: Apple subscription settings, Google subscription settings, or the Paddle customer portal. Access lasts until the end of the period already paid. Before you confirm payment, the screen shows the plan name, the price, the period, and what is included. The Splitwise import trial is a grant, not a store free trial. While quota enforcement is off, nothing is charged. Bit or WhatsApp links stay a convenience and are not a transaction with the operator; Master Splitter is not a party to any money transfer, does not hold funds, and is not responsible for a transaction on an external service.

Governing law and contact

These terms are governed by the laws of the State of Israel. Disputes will be heard by the competent courts in Israel, unless the law requires otherwise.

The service is operated by Or Haklay, Israel. For questions about these terms: masters.splitter@gmail.com.

Mandatory consumer protection in the buyer's country still applies. Exempt dealer number: 322307687.