Terms of Service

Last updated 28 October 2026

These terms are an agreement between you and DYKOS Media Inc (“we”, “us”) about Splitpea: the iPhone app, the web app at splitpea.io and everything they connect to. By creating an account, or by using Splitpea (including a group’s link), you agree to them. If you do not agree, please do not use Splitpea. You must be at least 13 years old, or older where your country’s law requires it.

1. What Splitpea is, and is not

Splitpea keeps a record of shared expenses and of who owes whom. It is a record, not a bank. No money moves through Splitpea, we never hold or send anybody’s money, and nothing in Splitpea makes anybody legally obliged to pay anybody. What you settle between yourselves is between yourselves.

Splitpea is not financial, tax, accounting or legal advice, and it is not a payment service. Talk to a qualified professional about anything that matters to your finances.

2. Your account

• Keep your details accurate, and keep your email, phone and sign-in methods (Sign in with Apple, Google, Microsoft, passkeys, passwords and one-time codes) secure. You are responsible for what happens under your account.
• Codes sent by text message may cost what your carrier charges for a message (see Text messages).
• Tell us at [email protected] straight away if you think somebody else has got into your account.

3. People you add

• You can add people by email address or phone number. Only add people you know and have a reason to share expenses with. Anything you put on them waits in their account for when they join.
• Invites: if somebody is not on Splitpea yet, you can ask Splitpea to email them one invite with your name and a link (at most one a week to the same person, whoever asks), or send the link yourself from your own phone or apps. Splitpea never texts the people you add. Anybody can stop all Splitpea invites with the link in the email.
• A group’s link for people without the app lets anybody who has it see that group’s names, expenses and balances in a browser and add expenses, without an account. Only share it with the group, and turn it off or make a new one if it gets out. People using a link agree to these terms too.
• A nickname you give a friend is seen by you alone.

4. What you put in

Your expenses, receipts, photos, messages and notes stay yours. You give us permission to store them, process them (for example, to read a receipt) and show them to the people you have chosen to share them with, which is what the app is for. Do not upload anything you have no right to upload.

By default, you allow Splitpea to use the receipts you scan or upload, what is read from them, and the app’s diagnostic and usage data, to operate, improve and train its receipt reading and the app, including having each receipt read a second time by Anthropic’s Claude on our behalf, as described in the Privacy Policy. You can turn this off at any time. We never sell your data to anyone.

5. Messages, photos and behaviour

You can send messages and photos to your friends and groups. Everybody who uses Splitpea agrees to these rules, and there is no tolerance for objectionable content or abusive users. Do not send or post anything that is:

• harassing, bullying, threatening or hateful towards anybody, including for who they are;
• sexually explicit, or sexual in any way involving somebody under 18;
• violent, cruel, or encouraging self-harm or illegal acts;
• spam, a scam, or pretending to be somebody else;
• somebody else’s private information, or anything you have no right to share.

In the app you can report any message (hold it, or use its … menu) and block anybody, which stops them messaging you. We read every report within 24 hours: we remove what breaks these rules and suspend or close the account that sent it, and we may do the same for anything we find ourselves. Do not use reminders to pay, or anything else, to harass anybody.

6. Reading receipts, and places

• Splitpea reads receipt photos automatically, on our own servers and with Anthropic’s Claude. It can make mistakes: a line, a price, a tax, a total or a currency can be read wrongly. Check what it read before you save it.
• Shop names, addresses and map pins come from OpenStreetMap, Google and Apple Maps, and may be out of date or wrong.

6a. Bank and card statements, and your storage

• Upload only statements that are yours, or that you are allowed to share with Splitpea.
• Splitpea reads statements automatically, with our own models on our own servers only (never with Anthropic’s Claude or any other outside AI). It can make mistakes: a line can be missed, read twice, or read with the wrong date or amount, and a line can be matched to the wrong expense. Splitpea checks the lines against the totals the statement prints and marks what it is unsure of, but you decide what is saved: check the lines before you save them. Splitpea is not a bank and does not give financial advice; your bank’s own records are the ones that count.
• Everybody has 5 GB of storage, free, for the statements and receipt photographs they upload. When it is full, new uploads are refused until you delete some; typing an expense by hand always works. We never delete your files on our own, but keep your own copy of anything you need: Splitpea is not a backup service.
• Undoing an import deletes the expenses it made that nobody has changed since; the others stay, and you can delete them yourself.

7. Sums, balances and settling up

• We take the arithmetic seriously and test it hard: amounts are kept to the cent, and a split is shared out so it always adds up. Even so, check anything that matters.
• Settle up only records that a payment was made. Splitpea does not send, receive or check payments, and it cannot tell whether a payment really happened.
• Default splits, simplified debts and suggested payments are arithmetic, not advice about who should pay.

8. Currencies and exchange rates

Every expense keeps the currency it was paid in. Where Splitpea converts between currencies, or shows an amount in another currency, it uses reference rates published by third parties. Conversion is for reference only. Contact your financial institution for the most current rate. What your bank or card actually charges will differ, and we are not responsible for any difference, or for any loss that comes from relying on a rate shown in Splitpea. You can change a rate before a conversion is recorded.

9. Spending, budgets and insights

Spending totals, categories, budgets and charts are there for your own information. They are not financial advice, and they are only as complete and accurate as what has been entered.

10. Notifications and reminders

Notifications, emails and text messages depend on Apple, email providers and phone carriers. They can be late or not arrive at all, so do not rely on them for anything time-critical. You choose which ones you get in the app’s settings.

10a. Text messages (SMS)

• What we text: only sign-in codes, and only when you ask for one: when you sign in by text, or add or confirm your own mobile number. Splitpea never sends marketing by text, and never texts the friends you add.
• How often: one text each time you ask for a code.
• Costs: message and data rates from your mobile carrier may apply. Splitpea does not charge for texts.
• Opting out: reply STOP to any text and we will not text that number again; reply START to turn codes back on. You can also remove your number in Account. You can always sign in with an email code, Apple, Google, Microsoft or a passkey instead.
• Help: reply HELP, or email [email protected].
• Carriers are not liable for delayed or undelivered messages. Texts go to numbers in the United States and Canada.

11. Other companies’ services

Splitpea works with other companies’ services: Apple (the App Store, TestFlight, Sign in with Apple and notifications), Google and Microsoft (sign-in), OpenStreetMap, Google and Apple Maps (places), exchange-rate publishers, and email and text-message providers. Their own terms apply to them, and we are not responsible for them or for when they are unavailable.

12. Test versions, and changes to Splitpea

Test versions (such as TestFlight builds) may be unfinished. We may change, add or remove features, and Splitpea may sometimes be unavailable. Keep your own copy of anything important: you can export your expenses from the web app.

13. Privacy

How we handle your information is in our Privacy Policy, which is part of these terms.

14. Ending it

• You can delete your account whenever you like, from inside the app. Your name and details are removed; expenses you shared stay on the other people’s records (under “Deleted account”), because they are theirs too.
• We may suspend or close an account that breaks these terms, or that is used to abuse other people or our servers, and we may remove content that breaks them.

15. No warranty

Splitpea is provided “as is” and “as available”, without warranties of any kind, express or implied, including that it will be accurate, uninterrupted, secure or free of errors, to the fullest extent the law allows.

16. Limit of liability

To the fullest extent the law allows, DYKOS Media Inc is not liable for any indirect, incidental, special, consequential or punitive damages, or for lost money, profits or data, arising from your use of Splitpea, including from amounts, balances, exchange rates, receipts read automatically, or payments you make or do not make. Our total liability for any claim about Splitpea is limited to US$50. Some places do not allow some of these limits, so they may not all apply to you.

17. Your responsibility to us

If somebody makes a claim against us because of what you put into Splitpea or how you used it in breach of these terms, you agree to cover our reasonable costs of dealing with it, to the extent the law allows.

18. Changes to these terms

We may update these terms. When we change something that matters, we will ask you to agree again in the app before you carry on. The date and version at the top say which terms are current.

19. Governing law

These terms are governed by the laws of the State of New York, United States, and disputes will be decided by the state and federal courts located in New York County, New York, unless the law where you live says otherwise.

20. Contact

DYKOS Media Inc, Brooklyn, NY, United States · [email protected]