Refund Policy

We use a third-party payment provider as our merchant of record. Practically that means: when you upgrade, the provider takes the payment, issues the receipt, handles VAT, and processes any refund. Split The Bill never sees or stores your card details.

A few things this changes for you:

• On your card or bank statement, the charge may appear under our payment provider's name rather than "Split The Bill" directly. That's the most common "what is this charge?" question.
• Receipts and VAT invoices come from our payment provider with a unique transaction ID. Keep them — that's the number we'll ask for if you contact us about a charge.
• EU/UK VAT is calculated and remitted by our payment provider automatically based on your billing country. You don't need to do anything special. Business customers can add a VAT number during checkout for B2B reverse-charge handling.
• For payment-method support (card declined, change card, update billing address), you can use the link on every receipt to reach the billing portal. Subscription state still lives in this app, though.

• EU/UK 14-day cooling-off: full refund, no questions asked, within 14 days of any first payment.
• Monthly Pro: cancel anytime to stop the next renewal. No refund for the current period after the 14-day cooling-off window has passed.
• Annual Pro: pro-rated refund if you cancel within 30 days of the most recent payment. No refund after that window — you keep Pro until the period ends.
• Comp/lifetime accounts: no refund (no payment was taken).
• Billing errors and serious outages: handled case-by-case — contact us, we'll make it right.

If you live in the EU, the EEA, or the UK, you have a 14-day statutory right to cancel any digital purchase starting from the day of payment. Within that window you can ask for a full refund regardless of usage and we will issue it without requiring a reason.

Note: under EU Directive 2011/83/EU you may waive the cooling-off period to access the service immediately — we do not require this waiver, so the period applies in full for our customers.

We reply within 2 working days (usually faster). Approved refunds are processed by our merchant of record and land back on the original payment method within 5–10 business days, depending on your bank or card issuer.

• From inside the app (fastest): open your subscription settings and click Request refund. Pick a reason, optionally add a note, and submit. We reply by email within 2 working days.
• By email: write to [email protected] from the email address on the account, with subject "Refund request" and the relevant transaction or invoice number.

If you notice a charge you don't recognise, contact us first — many "unknown" charges turn out to be our payment provider's name on the statement (we use a third-party merchant of record). We can identify, refund, or correct billing errors quickly.

Issuing a chargeback or bank dispute without contacting us first delays resolution by weeks and may result in your account being locked while the dispute is open. We always prefer to resolve directly.

You can delete your account at any time from your profile page. Your account is deactivated immediately and permanently deleted within 7 days — you can request to restore it during that window. Deletion removes your bills, splits, groups, and shared links. If you have an active paid subscription, deletion does not automatically cancel it or refund the current period — cancel it yourself first, then request the refund under sections 3 and 4 if eligible, then delete.

If we change this policy in a way that materially affects your rights, we will update the "Last updated" date above and announce the change in the in-app What's New page. Active subscribers at the time of the change keep the policy under which they originally subscribed for the remainder of the current period.

Questions about this policy? [email protected].