Terms of Service

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for use by co-parents and by authorized legal/mediation professionals through the portal.

2. Description of the Service

SplitMinder helps co-parents track and share child-related expenses, and gives authorized professionals a portal to view shared case records. Features include:

• Expense tracking, categorization, and split calculations.
• Optional bank-account integration (read-only) for automatic transaction import.
• Shared records, approvals, and dispute notes between co-parents.
• Reports and exports.
• A subscription-based professional portal for attorneys and practitioners.

SplitMinder is a record-keeping tool only. It does not provide legal, financial, tax, or accounting advice, does not determine support obligations, and its records and reports are user-generated and are not certified or official court documents.

3. Your Account

• Provide accurate, complete information and keep it current.
• Keep your credentials confidential and notify us of any unauthorized use.
• You are responsible for all activity under your account.

4. Bank Connections (Plaid)

If you connect a bank account, you authorize SplitMinder and Plaid to access your transaction history and balances in read-only mode and to process that data as described in our Privacy Policy. We cannot move money or initiate transactions. Your use of Plaid is also subject to Plaid's end user terms and privacy policy.

5. Subscriptions, Billing, and Refunds

• Certain features (currently the professional portal) require a paid subscription, billed through Stripe.
• Subscriptions renew automatically each billing period until cancelled. You can cancel at any time, effective at the end of the current period.
• Fees are charged in advance and, except where required by law, are non-refundable.
• If you purchase any subscription through the Apple App Store, payment and renewal are managed by Apple and governed by Apple's terms; manage or cancel it in your Apple account settings.
• We may change pricing prospectively with notice.

6. The Professional Portal

If you use the portal as an attorney, mediator, or other practitioner, you represent that you are authorized to invite the co-parents you add and to access the case records they choose to share. You agree to handle that information in accordance with applicable professional, ethical, and legal obligations and our Privacy Policy.

7. Your Content and Data

You retain ownership of the information you submit. You grant us a limited license to host, process, and display it solely to operate and improve the Service. You are responsible for the accuracy and lawfulness of what you enter, and for ensuring you have the right to share it with your co-parent or a connected professional.

8. Co-Parenting Disputes

SplitMinder is a neutral tool and is not a party to any dispute between co-parents. We do not verify the accuracy of expenses, splits, or other entries, do not mediate disputes, and are not responsible for decisions, agreements, or outcomes based on information in the Service.

9. Acceptable Use

You agree not to:

• Use the Service for any unlawful, fraudulent, or harmful purpose.
• Harass, abuse, stalk, or harm another person through the Service.
• Access data you are not authorized to access, or attempt to breach security.
• Reverse engineer, scrape, overload, or interfere with the Service.
• Upload malware or infringing content.

10. Intellectual Property

The Service, including its software, design, and trademarks, is owned by SplitMinder and its licensors and is protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose.

11. Third-Party Services

The Service relies on third parties (including Plaid, Stripe, and Apple). Your use of those services may be subject to their own terms, and we are not responsible for their acts or omissions.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any record or report is accurate or suitable for legal use.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPLITMINDER AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, PROFITS, OR GOODWILL. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR USD $100.

14. Indemnification

You agree to indemnify and hold SplitMinder harmless from claims, losses, and expenses (including reasonable legal fees) arising from your use of the Service, your content, or your violation of these Terms or applicable law.

15. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you violate these Terms or to protect the Service. Sections that by their nature should survive (e.g., ownership, disclaimers, liability, indemnification, dispute resolution) will survive termination.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of [State/Country], without regard to conflict-of-laws rules. To the extent permitted by law, any dispute will be resolved by binding individual arbitration, and you and SplitMinder waive the right to a jury trial and to participate in a class action. You may opt out of arbitration within 30 days of first accepting these Terms by emailing legal@splitminder.com. Nothing here prevents either party from seeking relief in small-claims court.

17. Apple App Store

If you download the app from the Apple App Store, you acknowledge that:

• These Terms are between you and SplitMinder only, not Apple, and Apple is not responsible for the app or its content.
• Apple has no obligation to provide maintenance or support for the app.
• In the event the app fails to conform to any applicable warranty, you may notify Apple for a refund of the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation.
• Apple is not responsible for addressing any claims relating to the app, including product liability, legal/regulatory compliance, or consumer protection claims.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

18. Changes to These Terms

We may update these Terms from time to time. For material changes we will provide notice through the app or by email. Your continued use after changes take effect constitutes acceptance.

19. Contact

Email: legal@splitminder.com
Awasero Digital Solutions Inc.
[Mailing address]