Terms and Conditions

Welcome to Reava Split ("we," "our," or "us"). By accessing or using our mobile application and website (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms").

Please read these Terms carefully before using the Service. If you do not agree with any part of these Terms, you may not use our Service.

By creating an account, you represent that you are at least 18 years old or that you are a minor with parental consent to use the Service.

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Service, you consent to the data practices described in our Privacy Policy.

We collect information necessary to provide our bill-splitting services, including:

• Account information (name, email, phone number)
• Transaction details and expense records
• Payment information through secure M-Pesa channels
• Device information and usage analytics

When using our Service, you agree not to:

• Use the Service for any illegal purpose or in violation of any local, state, national, or international law
• Create fraudulent expenses or manipulate transactions
• Attempt to access another user's account without permission
• Use the Service to harass, abuse, or harm another person
• Introduce viruses, worms, or other harmful code to the Service

We reserve the right to terminate or suspend accounts that violate these guidelines.

Our payment terms are determined by the subscription plan you choose and the transactions you process through the Service.

Key payment terms include:

• Subscription fees are billed monthly and automatically renewed unless cancelled
• Transaction fees apply according to your plan as outlined in our pricing section
• All fees are inclusive of applicable taxes and M-Pesa charges
• Refunds are processed according to our Refund Policy

We may change our fees by providing advance notice. Continued use of the Service after fee changes indicates your acceptance of the new fees.

The Service and its original content, features, and functionality are owned by Reava Split and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Modify, copy, distribute, or create derivative works based on our Service
• Use our trademarks, logos, or branding without explicit permission
• Reverse engineer or attempt to extract the source code of our application

To the maximum extent permitted by law, Reava Split shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, the Service.

We do not guarantee that:

• The Service will be uninterrupted or error-free
• Errors or defects will be corrected
• The Service will be secure or free from viruses or harmful components

Our liability is limited to the maximum extent permitted by applicable law.

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

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

All provisions of the Terms which by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Any disputes arising out of or relating to these Terms or the Service shall be resolved through the following process:

1. Informal Negotiation: We encourage you to contact us first to attempt to resolve any disputes informally.
2. Mediation: If informal negotiation is unsuccessful, the dispute shall be submitted to mediation in accordance with Kenyan law.
3. Arbitration: If mediation is unsuccessful, the dispute shall be resolved by binding arbitration in Nairobi, Kenya.

These Terms shall be governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions.

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.