Terms and Conditions

Welcome to SettlioWise. By accessing or using our website and application (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before using the Service. If you do not agree to these Terms, do not use the Service.

1. Description of Service

SettlioWise is a free, browser-based tool that allows users to track and split shared expenses among groups of people. The Service operates entirely within your web browser using local storage — no account creation is required, and no personal financial data is transmitted to or stored on our servers.

Features include: creating expense groups, adding and categorising expenses, splitting costs by various methods (equal, custom, percentage, shares), recording settlements, viewing balance summaries, and exporting data as CSV or PDF.

2. Acceptance of Terms

By using SettlioWise, you confirm that you are at least 13 years of age (or the minimum age of digital consent in your country), and that you have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

3. Use of the Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any fraudulent, deceptive, or illegal activity.
• Attempt to reverse-engineer, decompile, or otherwise tamper with the Service.
• Introduce any malware, viruses, or harmful code via the Service.
• Scrape, crawl, or otherwise harvest data from the Service in an automated manner.
• Reproduce or redistribute the Service or its content for commercial purposes without our prior written consent.

4. Data Storage and Responsibility

All expense data you enter into SettlioWise is stored exclusively in your browser's local storage on your device. We do not collect, transmit, or store your expense data on any server.

You are solely responsible for:

• The accuracy and completeness of the data you enter.
• Backing up your data via the CSV export feature before clearing your browser cache or switching devices.
• Any loss of data resulting from clearing browser storage, browser updates, or device changes.

SettlioWise shall not be liable for any loss of data stored in your browser.

5. Third-Party Services

The Service integrates with the following third-party services:

• Google Analytics 4 — Used to collect anonymous, aggregated usage statistics (e.g., pages visited, features used). No personally identifiable information is collected. Google's Privacy Policy applies.
• Google AdSense — Used to display advertisements that help fund the free Service. Google may use cookies and similar technologies to serve ads based on your visits to this and other websites. Google's advertising policies apply.

We are not responsible for the privacy practices or content of these third-party services.

6. Intellectual Property

The SettlioWise name, logo, design, and all associated content are the intellectual property of SettlioWise and its creators. All rights not expressly granted in these Terms are reserved.

You retain full ownership of the data you input into the Service. By using the Service, you grant us no rights over your expense data.

7. Disclaimers and No Warranty

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The Service will be uninterrupted, error-free, or secure.
• Any calculations or balance figures produced by the Service are accurate for financial, legal, or accounting purposes.
• The Service will be available on all devices or browsers.

SettlioWise is intended as a convenience tool for informal expense sharing among friends, family, and colleagues. It is not a financial, accounting, or legal service.

8. Limitation of Liability

To the fullest extent permitted by applicable law, SettlioWise and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Loss of data stored in your browser.
• Errors or inaccuracies in expense calculations.
• Any reliance on the Service for financial decisions or disputes.
• Interruption or unavailability of the Service.

Our total liability in any circumstance is limited to the amount you paid for the Service — which, as the Service is free, is zero.

9. Modifications to the Service and Terms

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We may also update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the Service after changes constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of the applicable jurisdiction. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.

11. Contact

If you have any questions or concerns about these Terms, please contact us. As the Service is provided free of charge with no account system, support is offered on a best-effort basis.