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Terms of Service

Last updated 10 October 2026 · Effective 10 October 2026

These terms are the agreement between you and us about using SplitChamp. By signing in or using the app, you accept them. If you don't, please don't use the service.

1. Who we are

SplitChamp is operated by Adel Ashraf Hamouda and Ahmed Tarek, trading together as beanvoid ("we", "us"), a product studio based in Egypt (see beanvoid.com). Contact: support@beanvoid.com, where we will also give a postal address on request.

2. What SplitChamp is

SplitChamp is a record-keeping tool for shared expenses. You create a group, log expenses and how they are split, and the app calculates each member's balance and suggests who should pay whom to settle up. You can also publish one payment method to your groups so that the person settling up knows where to send the money, which is covered in section 7.

3. What it is not

SplitChamp is not financial, legal, accounting or tax advice. Debts between members of a group are between those people; we are not a party to them, and we take no responsibility for whether anyone actually pays.

Balances, expenses and settlements in SplitChamp are informal records kept by the people in a group. They are not contracts, invoices or proof that a debt exists, and we cannot guarantee that what members enter is accurate or complete.

4. Your account

• You must be at least 16 to use SplitChamp.
• Accounts are created through Google Sign-In, or Sign in with Apple on iOS. Keeping that account secure is your responsibility; anyone with access to it can reach your SplitChamp data.
• One account per person, with accurate details. Don't impersonate anyone.

5. Acceptable use

Don't do any of this:

• Break the law, or use SplitChamp for fraud, money laundering or harassment.
• Add people to groups who don't want to be there, or use invitations to send unwanted mail.
• Try to access other people's data, or probe, scan or attack the service or its infrastructure.
• Publish a payment identifier that is not yours, or collect the ones you can see in your groups for any purpose other than paying that person.
• Use automated means to hammer the API, scrape it, or work around rate limits and other protections.
• Copy, resell or reverse-engineer the service, except where the law says you may.
• Upload malware, or content that is unlawful or infringes someone's rights.

6. Your content

What you put into SplitChamp stays yours. You grant us only the permission we need to run the service: to store, process and display it to the people in your groups, and to keep backups. That permission ends when the content is deleted, apart from backups still ageing out.

You are responsible for what you post, including group names, expense descriptions and notes, and the group whiteboard. Don't post content that:

• harasses, threatens, bullies or intimidates anyone;
• promotes hatred or violence against people because of who they are, such as their race, ethnicity, religion, nationality, disability, gender, age or sexual orientation;
• is sexually explicit, obscene or otherwise offensive;
• shares someone else's personal information to target or embarrass them;
• is false or misleading in a way meant to deceive other members;
• is unlawful, or that you don't have the right to share.

We don't monitor groups, but we may remove content that breaks these rules and suspend or close the account that posted it. To report content, email support@beanvoid.com with the group and what you saw, and we will review it.

The app itself, including its software, design, name and logo, stays ours.

7. How you get paid

Adding a payment method is optional. If you add one, these rules apply.

• It must be yours. Do not publish anyone else's bank account, wallet or phone number, and do not use the field for anything that is not a way to pay you.
• Everyone you share a group or a friendship with can see it and copy it. By saving it you are asking us to show it to them. You can remove it at any time.
• Keeping it correct is your job. We store what you typed and show it unchanged. We do not verify it, and we cannot tell whether an account still exists.
• Check before you pay. If you are the one paying, the identifier comes from another user, not from us. Confirm it with them before sending money, especially if it has changed.

A payment happens outside SplitChamp, between you and the other person, through whatever bank, wallet or service you both use. Their terms govern it, not ours. We are not responsible for a payment sent to a wrong, out-of-date or fraudulent identifier, and we cannot reverse, recover or trace one. Recording a settlement in the app is a note that you paid; it is not proof that the money arrived.

8. Groups and other members

Groups are shared. Anyone in a group can see its expenses, who paid, how each is split, and the resulting balances, and can add or edit entries. Corrections are recorded rather than silently overwritten, so the group's history stays auditable. Leaving a group does not remove the expenses you were part of, because the other members' balances depend on them.

9. Availability and changes

We aim to keep SplitChamp running and correct, but we don't promise it will be available without interruption, and we may change or discontinue features. If we plan to stop the service entirely, we will give reasonable notice so you can export or record what you need.

We may update these terms. Material changes will be announced in the app or by email, and the date above will change. Continuing to use the service after that means you accept the new terms.

10. Price

SplitChamp is currently free to use. If we introduce paid features, we'll say clearly what costs money before you pay anything, and the free features you rely on won't start charging without notice.

11. Ending the agreement

You can stop using SplitChamp at any time and ask us to delete your account (see the Privacy Policy). We may suspend or close an account that breaks these terms, that puts the service or other users at risk, or where the law requires it. Where it's reasonable, we'll warn you first. If we close your account for breaking these terms, don't create a new one without our permission.

12. Disclaimer

SplitChamp is provided "as is". We take care with the money arithmetic: amounts are held in exact minor units and every split is checked to sum back to the total. Even so, we don't warrant that the service will be uninterrupted, error-free, or that the figures shown will always be right. Check anything that matters before you pay someone based on it.

When you convert a balance from one currency to another, the exchange rate is the one you type in. SplitChamp does not supply, check or store exchange rates, so agree the rate with the other person first.

The same applies to payment details. An identifier shown in the app was typed by another user, and we do not check it. Confirm it with them before you send money.

13. Liability

Nothing here limits liability that cannot be limited by law, including for death or personal injury caused by negligence, or for fraud. Subject to that, we are not liable for indirect or consequential loss, lost profits, lost data, or for money you paid or failed to collect from another person. Where liability cannot be excluded, it is limited to the greater of the amount you paid us for the service in the previous 12 months, or 50 US dollars.

To the extent the law allows, you agree to cover our reasonable costs, including legal fees, if a third party brings a claim against us because of content you posted or your breach of these terms.

If you are a consumer, you keep all rights your local consumer law gives you; these terms do not take them away.

14. Governing law and contact

These terms are governed by the laws of the Arab Republic of Egypt, and the competent Egyptian courts have jurisdiction over any dispute. If you are a consumer living elsewhere, this does not take away the protection of your own country's mandatory consumer law, or your right to bring a claim in your local courts where that law allows it.

Questions about these terms: support@beanvoid.com.

15. General

• Entire agreement. These terms and the Privacy Policy are the whole agreement between you and us about SplitChamp.
• Severability. If a court finds any part of these terms invalid or unenforceable, that part is replaced by a valid one as close to its intent as possible, and the rest stays in force.
• No waiver. If we don't enforce a term straight away, we can still enforce it later.