Legal

Terms of Use

Effective 23 October 2026

1. Agreeing to these terms

These terms are an agreement between you and OPERATOR_NAME ("we", "us"), who run mysplix. By creating an account or using mysplix (the website or the iOS and Android apps), you agree to them and to the Privacy Policy. If you don't agree, please don't use mysplix.

2. What mysplix is

mysplix lets you record spending, income and transfers, follow credit card bills and events, and share costs with friends in groups. It's free. We may add, change or remove features, and we may stop mysplix; if we plan to stop it, we'll tell you in advance where we can, so you have time to ask for a copy of your data.

3. Your account

• You must be at least 18 to create an account.
• Keep your password secret and don't share your account. You're responsible for what's done with it. If you think someone else has used it, change your password and log out your other devices (Profile).
• Your User ID is public to people you connect with: choose one that doesn't impersonate someone else or mislead.

4. Your data

What you add to mysplix remains yours. You give us permission to store, process and show it as needed to run mysplix for you, including showing what you share in a group to its members. This permission ends when your data is deleted (see the Privacy Policy). Group spending you added stays visible to the group's other members after you leave or delete your account, so their balances stay right.

5. Acceptable use

Don't:

• use mysplix for anything illegal, or to harass, threaten or deceive anyone;
• add content that's unlawful, or that you don't have the right to share;
• try to get into accounts or data that aren't yours, test or break mysplix's security, or get around its limits;
• overload mysplix, scrape it, or access it with automated tools, other than its documented API used within its limits;
• copy, resell or reproduce mysplix, its design or its content, except as these terms allow.

6. Not financial advice

mysplix helps you keep track of money; it doesn't give financial, tax or legal advice. Totals, balances and card bills are worked out from what you and your group members enter, and may differ from your bank's. Always check important figures with your bank or card statements.

7. The mysplix name

The mysplix name and logo, and mysplix's design, text, graphics and software, are owned by OPERATOR_NAME and protected by trademark, copyright and other laws. You may use mysplix as offered, but you may not copy, change, distribute or create works based on them, or use the mysplix name or logo, without our written permission.

8. Ending your account

You can delete your account at any time from Profile (More in the mobile app); it's deleted with your data 15 days later, unless you log in and keep it. We may suspend or close an account that breaks these terms, puts others or mysplix at risk, or where the law requires it. Where we can, we'll tell you why.

9. No guarantees

We work to keep mysplix available, accurate and secure, but it's provided "as is" and "as available", without guarantees of any kind, to the extent the law allows. It may sometimes be unavailable or have errors, and data may be lost, so keep your own records of anything important.

10. Limitation of liability

To the extent the law allows, we aren't liable for indirect or consequential losses, or for lost money, profits or data, arising from your use of mysplix, and our total liability to you is limited to the amount you paid us for it (it's free, so nothing). Nothing in these terms limits liability that can't be limited by law.

11. Changes to these terms

We may update these terms. We'll change the date at the top and, for important changes, tell you in mysplix before they take effect. If you keep using mysplix after that, the new terms apply; if you don't agree, you can delete your account.

12. Law and disputes

These terms are governed by the laws of GOVERNING_LAW. If a dispute arises, please write to us first; we'll try to resolve it informally. If one part of these terms can't be enforced, the rest still applies.

13. Contact

OPERATOR_NAME · CONTACT_EMAIL