Terms of use for Divvy

Last Updated: March 12, 2026

1. Acceptance of terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and Arthur ("we", "us", "our", or "Developer") regarding your use of the Divvy mobile application ("App"). By downloading, installing, accessing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

2. Description of service

Divvy is a mobile application that provides:

• Bill splitting and tip calculation
• Equal and unequal split modes for dividing expenses
• Per-person item assignment with proportional tip and tax calculation
• "I'll cover it, pay me back" mode with shareable breakdowns
• Running tab tracking during meals
• Split history for past outings
• Premium features available through subscription

3. Eligibility

You must be at least 13 years of age (or the applicable age of digital consent in your jurisdiction) to use this App. By using the App, you represent and warrant that you meet this age requirement. If you are under 18, you represent that you have obtained parental or guardian consent to use this App.

4. License grant and restrictions

4.1 License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the App on devices you own or control, solely for your personal, non-commercial use.

4.2 Restrictions

You agree NOT to:

• Modify, reverse engineer, decompile, disassemble, or create derivative works of the App
• Remove, alter, or obscure any proprietary notices from the App
• Use the App for any illegal, harmful, or unauthorized purpose
• Attempt to gain unauthorized access to any part of the App or its systems
• Use automated scripts, bots, or similar tools to access the App
• Interfere with or disrupt the App's functionality
• Reproduce, distribute, publicly display, or create derivative works from the App
• Sell, rent, lease, sublicense, or transfer your rights to use the App
• Upload or transmit viruses, malware, or other malicious code
• Violate any applicable laws, regulations, or third-party rights

5. User data

5.1 Local storage

All bill splitting data, history, and preferences are stored locally on your device. We do not operate a backend server and have no access to your personal data.

5.2 Subscription management

The App uses RevenueCat to manage subscriptions. Subscription data is processed by RevenueCat and Apple in accordance with their respective privacy policies.

6. Premium subscriptions

6.1 Subscription terms

Certain features of the App require a paid subscription ("Premium Features"). Subscriptions are processed through Apple's App Store and are subject to Apple's terms and conditions.

6.2 Payment

• Subscriptions are charged to your Apple App Store account
• Payment will be charged upon confirmation of purchase
• Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period
• Your account will be charged for renewal within 24 hours prior to the end of the current period
• You can manage or cancel your subscription through your App Store account settings

6.3 Free trials

We may offer free trial periods for Premium Features. You may be charged once the trial period ends unless you cancel before the trial expires. We reserve the right to modify or cancel free trial offers at any time.

6.4 Changes to pricing

We reserve the right to change subscription pricing at any time. For existing subscribers, we will provide at least 30 days' notice before any price increase takes effect.

7. Intellectual property rights

7.1 Ownership

The App, including all content, features, functionality, software, design, text, graphics, logos, and underlying technology, is owned by the Developer and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

7.2 Trademarks

"Divvy" and associated logos are trademarks of the Developer. You may not use these trademarks without prior written permission.

8. Financial disclaimer

8.1 Not financial advice

THE APP IS A CONVENIENCE TOOL FOR SPLITTING BILLS AND CALCULATING TIPS. It does not provide financial, tax, or legal advice. The calculations provided are based solely on the information you enter and are intended as suggestions only.

8.2 Accuracy

While we strive for accurate calculations, you are responsible for verifying all amounts before making payments. We are not liable for any errors in calculation resulting from incorrect input or software bugs.

9. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW (SUBJECT TO MANDATORY CONSUMER PROTECTION LAWS FOR EU CONSUMERS), THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that the App will be uninterrupted, secure, or error-free

EU Consumer Notice: If you are an EU consumer, this disclaimer does not affect your statutory rights under applicable consumer protection laws, including rights to conformity of digital content and services under Directive (EU) 2019/770.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW (SUBJECT TO MANDATORY PROVISIONS FOR EU CONSUMERS):

10.1 EU consumer notice

For EU Consumers: Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded or limited under applicable consumer protection laws

10.2 Exclusion of damages

Subject to Section 10.1, we shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to loss of profits, revenue, or data.

10.3 Maximum liability

Subject to Section 10.1, our total liability to you for all claims arising out of or relating to these Terms or your use of the App shall not exceed the greater of:

(a) The amount you paid to us in the twelve (12) months preceding the claim, or (b) One hundred euros (€100.00)

11. Third-party services

The App integrates with RevenueCat for subscription management. We are not responsible for the availability, accuracy, or content of third-party services. Your use of third-party services is governed by their respective terms and privacy policies.

12. Modifications to the app and terms

12.1 Changes to the app

We reserve the right to modify, suspend, or discontinue the App (or any part thereof) at any time, with or without notice.

12.2 Changes to terms

We may revise these Terms from time to time. Material changes will be notified through the App. Your continued use of the App after changes become effective constitutes acceptance of the revised Terms.

13. Termination

13.1 Termination by you

You may stop using the App and delete it from your devices at any time. Deleting the App does not automatically cancel paid subscriptions — you must cancel through your App Store account.

13.2 Termination by us

We may terminate or suspend your access to the App immediately, without prior notice or liability, for any reason, including if you breach these Terms.

13.3 Effect of termination

Upon termination, all licenses granted to you will immediately terminate and you must cease all use of the App.

14. Geographic availability

The App is controlled and operated from France and is primarily intended for users in the European Union. We make no representation that the App is appropriate or available for use in all locations.

15. Apple specific terms

If you access the App via Apple's App Store, you acknowledge that:

• These Terms are between you and the Developer, not Apple
• Apple has no obligation to provide maintenance or support services
• Apple is not responsible for addressing any claims relating to the App
• Apple is a third-party beneficiary of these Terms and may enforce them

16. Contact information

For questions, concerns, or notices regarding these Terms, please contact us at:

Email: support@tap-and-swipe.com

Developer: Arthur App: Divvy Location: France

For EU consumers exercising their legal rights, please clearly indicate the nature of your request in the subject line.

17. Acknowledgment

BY USING THE APP, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE APP.

Last Updated: March 12, 2026