● Legal
Terms of Service
Last updated 22 September 2026 · Effective 22 September 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.
Contents
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.
3. What it is not
We never move money. SplitChamp is not a bank, payment service, money transmitter, lender or escrow. It does not hold funds or transfer them. A "settlement" in the app is a note that a payment happened somewhere else, between you and the other person.
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.
4. Your account
- You must be at least 16 to use SplitChamp.
- Accounts are created through Google Sign-In. Keeping your Google 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.
- 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.
The app itself — its software, design, name and logo — stays ours.
7. 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.
8. 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.
9. 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.
10. 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.
11. 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 — but 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.
12. 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.
If you are a consumer, you keep all rights your local consumer law gives you; these terms do not take them away.
13. 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.