Terms of Service

Effective Date: August 15, 2026

Welcome to VaultSplit. These Terms and Conditions (“Terms”) govern your access to and use of the VaultSplit mobile application (“App”), owned and operated by VaultSplit Inc. (“VaultSplit,” “we,” “our,” or “us”).

Please read these Terms carefully. By accessing or using the App, you agree to be bound by these Terms.

1. Legal Entity Information

• App Name: VaultSplit

• Business Name: VaultSplit, Inc.

• Business Address: 131 Continental Dr, Suite 305, Newark DE 19713

• Country of Operation: United States 

2. Eligibility

To use VaultSplit, you must be at least 18 years old or the age of majority in your jurisdiction. By using the App, you represent and warrant that you meet these requirements.

International Use

VaultSplit may be available to businesses in multiple countries and may support transactions in multiple currencies. Features, payment providers, integrations, currencies, and availability may vary by country or jurisdiction.

You are responsible for determining and complying with the laws, regulations, tax obligations, reporting requirements, licensing requirements, and other obligations applicable to your business and transactions.

Availability of VaultSplit in a particular country does not mean that VaultSplit provides regulated financial, tax, accounting, payment, or other professional services in that jurisdiction.

3. Account Registration

Users may create accounts on VaultSplit directly or via third-party login providers such as Google or Apple. By using third-party login, you authorize VaultSplit to access certain information associated with your account in accordance with our Privacy Policy. You remain responsible for maintaining the security of your login credentials and for all activities under your account.

Third-Party Integrations and Connected Accounts

VaultSplit may allow you to connect third-party services, platforms, payment providers, financial accounts, or business tools, including Stripe, Shopify, WooCommerce, and other supported services (“Third-Party Services”).

By connecting a Third-Party Service, you authorize VaultSplit to access and process the information and permissions necessary to provide the requested functionality. You are responsible for maintaining valid credentials, permissions, and authorization for each connected service.

VaultSplit does not control Third-Party Services and is not responsible for their availability, accuracy, security, policies, fees, restrictions, outages, or changes to their APIs, functionality, or terms.

You are responsible for complying with the terms and policies of each Third-Party Service you connect to VaultSplit. You may disconnect a Third-Party Service at any time, subject to any processing or settlement obligations that may remain applicable.

4. Payment Processing and Financial Transactions

VaultSplit may integrate with third-party payment processors and financial service providers to facilitate the recording, allocation, reconciliation, or management of business revenue and related transactions.

VaultSplit does not itself hold, custody, or guarantee funds unless expressly stated otherwise. Payment processing, settlement, payouts, refunds, disputes, chargebacks, fees, reserves, and related matters may be governed by the applicable third-party provider and its terms.

Transaction timing, balances, payouts, and other financial information displayed in VaultSplit may differ from information displayed by a payment provider due to processing times, refunds, disputes, fees, adjustments, currency conversion, or other events.

You are responsible for verifying transactions and ensuring that sufficient funds are available for your obligations.

5. User Content

You retain ownership of the content and information you submit to VaultSplit. You grant VaultSplit a limited, non-exclusive, worldwide, royalty-free license to host, store, process, reproduce, transmit, and otherwise use such information only as reasonably necessary to provide, maintain, secure, improve, and operate the Services, comply with applicable law, and enforce these Terms.

You agree not to upload any content that is illegal, offensive, infringing, or harmful to others.

You are responsible for the accuracy of information provided to VaultSplit, the configuration of your business settings and allocation rules, the accounts and services you connect, and the instructions you provide to the platform. You are responsible for reviewing the results of automated processes and promptly identifying and correcting any inaccurate, unauthorized, or unexpected transactions or allocations.

AI Processing and User Authorization

Where AI-powered features are enabled, VaultSplit may process information you provide to the platform, including business information, transaction information, financial records, documents, images, text, and voice input, for the purpose of providing the requested AI functionality.

Certain AI features may require your consent before your information is processed by an applicable AI service provider. You may have the ability to disable or withdraw access to certain AI features where supported by the App.

AI-generated responses are generated from available information and may be incomplete, inaccurate, outdated, or inappropriate for your circumstances. You should independently verify important financial, tax, legal, or business decisions before acting on AI-generated information.

6. VaultSplit AI and Automated Features

VaultSplit may provide AI-powered financial assistance and automated split logic to help you manage finances. These features are provided for informational purposes only and do not constitute financial, legal, or tax advice. You acknowledge and agree that:

• AI insights and recommendations may not be accurate, complete, or suitable for your particular circumstances.

• You are solely responsible for all financial decisions you make based on AI outputs or automated split logic.

• VaultSplit Technologies shall not be liable for any loss or damage arising from reliance on AI features, dynamic split logic, or automated processes.

• Automated Financial Operations: VaultSplit may automatically allocate, categorize, reconcile, record, and organize transactions and revenue based on rules, configurations, integrations, and other instructions provided by you or generated by the platform. You are responsible for reviewing your allocation rules, connected accounts, transaction information, and financial records and for ensuring that they are appropriate for your business.

• VaultSplit does not guarantee that automated allocations, reconciliations, categorizations, forecasts, records, or other financial outputs will always be accurate, complete, timely, or appropriate for your circumstances. You remain responsible for reviewing and approving information where appropriate and for correcting errors or discrepancies.

• VaultSplit is a financial management and operational software platform. It is not a bank, accounting firm, tax advisor, financial advisor, investment advisor, law firm, or payment processor, and use of the App does not create a fiduciary, accounting, tax, legal, or advisory relationship between you and VaultSplit.

7. Subscriptions & In-App Purchases

VaultSplit offers free and paid subscription plans. Features, usage limits, pricing, and availability may vary by plan and may change from time to time.

Paid subscriptions may be purchased through the App Store, Google Play, or other payment channels made available by VaultSplit. Subscription purchases made through Apple or Google are subject to the applicable platform’s payment, subscription, cancellation, and refund policies.

Unless otherwise stated at the time of purchase, subscriptions automatically renew at the end of each billing period until cancelled. You may cancel your subscription through the applicable platform or payment method used to purchase it. Cancellation generally takes effect at the end of the current billing period unless otherwise required by applicable law or the applicable platform’s policies.

8. Financial Records and Exports

VaultSplit may generate financial records, reports, summaries, reconciliations, and exports based on information available to the platform. These outputs are provided as operational tools and may contain errors, omissions, delays, or discrepancies.

You are responsible for reviewing exported records and determining whether they are suitable for accounting, tax, regulatory, or other purposes. VaultSplit does not guarantee that any export constitutes complete or compliant accounting or tax records for your particular jurisdiction or business.

9. Refunds

Refunds for subscriptions purchased through Apple App Store or Google Play are generally subject to the applicable platform’s refund policies and procedures.

For subscriptions purchased directly from VaultSplit through another supported payment method, refunds will be handled according to the applicable purchase terms and any rights provided by applicable law.

10. Ownership of Intellectual Property

All VaultSplit software, trademarks, logos, graphics, interfaces, designs, text, and other proprietary materials are owned by or licensed to VaultSplit, Inc. You may not copy, reproduce, or use our intellectual property without prior written permission.

11. Privacy

Your use of VaultSplit is also governed by our Privacy Policy, which explains how we collect, use, disclose, retain, and protect personal and business information processed through the Services. By using VaultSplit, you acknowledge that you have reviewed the Privacy Policy.

12. Feedback and Suggestions

If you provide feedback or suggestions regarding VaultSplit, you agree that we may use such input without any obligation to compensate you or provide attribution.

13. Promotions and Contests

VaultSplit may offer promotions, sweepstakes, or contests. These will be governed by separate rules, which will be made available at the time such promotional activities are run.

14. Disclaimer of Warranties

VaultSplit is provided on an “as is” and “as available” basis. We do not guarantee that the App will be error-free, completely secure, or uninterrupted. Your use of the App is at your sole risk.

15. Limitation of Liability

To the maximum extent permitted by law, VaultSplit, Inc. shall not be liable for any indirect, incidental, or consequential damages arising from your use of or inability to use the App.

Without limiting the foregoing, VaultSplit shall not be liable for losses arising from third-party payment processors, financial institutions, commerce platforms, banking services, APIs, integration failures, service interruptions, transaction delays, inaccurate information supplied by you or third parties, automated processes configured by you, or decisions made based on AI-generated or platform-generated information.

16. Modification of Terms

We reserve the right to modify these Terms at any time. Updated versions will be posted on this page with the effective date. Continued use of the App after changes are made constitutes your acceptance of the new Terms.

17. Termination

We may suspend or terminate your access to VaultSplit at our discretion, without notice or liability, for conduct that we believe violates these Terms or is otherwise harmful to the App or other users.

18. Prohibited Use

You may not use VaultSplit to:

• engage in fraud, money laundering, terrorist financing, or other unlawful activity;

• process or facilitate unauthorized transactions;

• circumvent payment processor, banking, commerce platform, or other third-party restrictions;

• interfere with or attempt to compromise the security or operation of VaultSplit;

• access another user’s account or data without authorization;

• reverse engineer, scrape, copy, or misuse the App or its systems; or

• use VaultSplit in violation of applicable laws or the terms of connected Third-Party Services.

19. Indemnification

You agree to defend, indemnify, and hold harmless VaultSplit, Inc., its officers, directors, employees, contractors, and service providers from claims, damages, liabilities, losses, costs, and expenses, including reasonable legal fees, arising from or related to your use of VaultSplit, your violation of these Terms, your violation of applicable law or third-party terms, information or content you provide, or your use of connected Third-Party Services.

20. Governing Law

These Terms shall be governed by the laws of the State of Delaware, without regard to its conflict-of-law principles. If you access VaultSplit from outside the United States, you are responsible for compliance with local laws. 

21. Contact Information

For any questions or concerns regarding these Terms & Conditions, please contact us at:
Email: Info@vaultsplit.co or Support@vaultsplit.co

By using VaultSplit, you agree to these Terms and Conditions. Thank you for being a part of our community.

VaultSplit, Inc. © 2026. All rights reserved.