Legal

Terms and Conditions

Last updated 23 June 2025

1. Acceptance of terms

By downloading, installing, accessing or using the Spluno mobile application (the “App”), you agree to be bound by these Terms and Conditions (the “Terms”). If you do not agree to these Terms, do not use the App.

2. Description of service

Spluno is a mobile application that helps users track, organise and split expenses among friends, family, flatmates and groups. The App lets you:

  • record and categorise shared expenses
  • calculate how much each person owes or is owed
  • track balances between users
  • keep track of settlements made between users
  • generate expense reports and summaries

Important: Spluno does not process payments, handle money transfers or provide payment gateway services. Users must complete all settlements between themselves, using whichever payment method they prefer.

3. User accounts and registration

3.1 Account creation

  • You must create an account to use certain features of the App.
  • You must provide accurate, complete and current information.
  • You are responsible for keeping your account credentials secure.

3.2 Account responsibility

  • You are solely responsible for all activity under your account.
  • You must tell us immediately about any unauthorised use of your account.
  • We reserve the right to suspend or terminate accounts that violate these Terms.

4. User responsibilities and conduct

4.1 Acceptable use

You agree to use the App only for lawful purposes and in line with these Terms. You will not:

  • use the App for any illegal or unauthorised purpose
  • interfere with or disrupt the App
  • attempt to gain unauthorised access to the App or to other users’ accounts
  • upload or transmit malicious code, viruses or harmful content
  • harass, abuse or harm other users
  • use the App to track expenses related to illegal activities

4.2 Content responsibility

  • You are responsible for all content you enter into the App.
  • You must make sure expense information is accurate to the best of your knowledge.
  • You must not enter false, misleading or fraudulent expense information.

5. Expense tracking and settlements

5.1 Recording expenses

  • Users can record expenses and assign them to group members.
  • The App calculates balances from the information users enter.
  • All calculations are estimates based on the data users provide.

5.2 Manual settlements

  • Spluno does not make or facilitate actual money transfers or payments.
  • Users must settle debts themselves using their preferred payment methods.
  • Users can mark expenses as “settled” in the App to keep a record.
  • Spluno is not responsible for making sure payments actually happen between users.

5.3 Accuracy

  • Balance calculations rely entirely on the data users enter.
  • We do not verify the accuracy of expense information.
  • Users are responsible for resolving disputes about expenses among themselves.

6. Privacy and data

6.1 Data collection

  • We collect and use information as described in our Privacy Policy.
  • By using the App, you consent to the data practices set out in the Privacy Policy.
  • We comply with the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

6.2 Your data

  • You keep ownership of the expense data you enter.
  • We may use aggregated, anonymised data to improve our services.
  • You can delete your data by deleting your account.
  • We handle sensitive personal data in accordance with Indian data protection regulations.

6.3 Data localisation

  • We may store and process your data in India or in other jurisdictions as permitted by applicable Indian law.
  • Any cross-border data transfers will comply with Indian regulations.

7. Intellectual property

7.1 App ownership

  • We own Spluno and all related content, features and functionality.
  • We grant you a limited, non-exclusive licence to use the App.
  • You may not copy, modify, distribute or reverse engineer the App.

7.2 User content

  • You keep the rights to the content you create in the App.
  • You grant us a licence to use your content only to provide the service.

8. Disclaimers

8.1 Service availability

  • The App is provided “as is”, without warranties of any kind.
  • We do not guarantee uninterrupted or error-free service.
  • We may modify, suspend or discontinue the App at any time.

8.2 Financial disclaimer

  • Spluno is not a financial service or payment processor.
  • We do not provide financial advice or recommendations.
  • We are not responsible for any financial losses or disputes between users.
  • All settlements are the sole responsibility of users.

8.3 Accuracy disclaimer

  • We do not guarantee the accuracy of calculations or expense tracking.
  • Users should check all information independently.
  • We are not liable for errors in expense calculations or record-keeping.

9. Limitation of liability

To the maximum extent permitted by law:

  • we are not liable for any indirect, incidental, special or consequential damages
  • our total liability will not exceed the amount you paid to use the App, if any
  • we are not responsible for disputes between users about expenses or settlements
  • we are not liable for any financial losses resulting from use of the App

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses or expenses arising from:

  • your use of the App
  • your violation of these Terms
  • your violation of any third party’s rights
  • any disputes with other users about expenses or settlements

11. Changes to these terms

  • We may update these Terms at any time.
  • Changes take effect when we post them in the App.
  • If you keep using the App after changes, you accept the updated Terms.
  • We will tell users about significant changes where we can.

12. Termination

12.1 Termination by you

  • You may delete your account and stop using the App at any time.
  • When you do, your right to use the App ends immediately.

12.2 Termination by us

We may suspend or terminate your account if you:

  • violate these Terms
  • engage in fraudulent or illegal activity
  • abuse or harass other users
  • compromise the security or integrity of the App

13. Dispute resolution

13.1 Disputes between users

  • Spluno does not mediate disputes between users about expenses.
  • Users must resolve financial disputes among themselves.
  • We may provide expense records to help resolve a dispute.

13.2 Legal disputes

  • These Terms are governed by the laws of India.
  • Any legal disputes will be resolved by the competent courts in Nagpur, India.

14. General provisions

14.1 Compliance with Indian laws

  • These Terms and your use of the App are subject to Indian laws and regulations.
  • We comply with the Information Technology Act, 2000, the Consumer Protection Act, 2019 and other relevant Indian legislation.
  • If these Terms conflict with a mandatory provision of Indian law, Indian law prevails.

14.2 Entire agreement

These Terms are the entire agreement between you and Spluno about your use of the App.

14.3 Severability

If any provision of these Terms is found unenforceable under Indian law, the remaining provisions stay in effect.

14.4 Language

These Terms are written in English. If they are translated, the English version prevails.

15. Contact us

For questions about these Terms, contact us:

Email
[email protected]
Phone
+91 78880 45253
Address
22B, Ambar, Tilak Nagar, Nagpur 440010, India
Website
ranium.in