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Last Updated: December 29, 2025
Welcome to Divyo. These Terms of Service ("Terms") govern your use of the Divyo mobile application ("App") operated by Divyo ("we," "our," or "us"). By downloading, installing, or using Divyo, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the App.
By creating an account or using Divyo, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. You must be at least 13 years of age to use this App. If you are under 18, you represent that you have your parent or guardian's permission to use the App.
Divyo is a receipt splitting application that allows users to scan receipts, assign items to participants, track payment status, and manage shared expenses with groups. The App uses optical character recognition (OCR) technology to extract data from receipt images.
To use Divyo, you must create an account using Google Sign-In or Apple Sign-In. You agree to:
We reserve the right to suspend or terminate accounts that violate these Terms or contain false or misleading information.
Divyo offers a free tier with the following limitations:
Premium subscriptions unlock additional features including:
Premium subscriptions are billed through the Apple App Store or Google Play Store, depending on your device. All billing is subject to the terms and conditions of the respective app store. Subscription management, including cancellation, is handled through your app store account settings.
We may offer a 14-day free trial for new Premium subscribers. At the end of the trial period, your subscription will automatically convert to a paid subscription unless canceled before the trial ends.
You agree not to use Divyo to:
Divyo uses optical character recognition (OCR) technology to extract data from receipt images. You acknowledge and agree that:
You retain ownership of all content you upload to Divyo, including receipt images, profile photos, and any other materials ("User Content"). By uploading User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, store, process, and display your User Content solely for the purpose of providing and improving the App.
You represent and warrant that you own or have the necessary rights to upload your User Content and that your User Content does not violate any third-party rights or applicable laws.
Divyo facilitates expense splitting and payment tracking but does not process actual monetary transactions between users. Any payments made between users (via Venmo, Cash App, PayPal, or other methods) are entirely between those users and are governed by the terms of those third-party payment services.
We are not responsible for any disputes, failed transactions, or issues arising from payments made outside of our App.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DIVYO AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
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, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE APP IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
You agree to indemnify, defend, and hold harmless Divyo and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the App, your violation of these Terms, or your violation of any rights of another.
We reserve the right to suspend or terminate your account and access to the App at any time, with or without cause, and with or without notice. Reasons for termination may include, but are not limited to:
You may terminate your account at any time by requesting account deletion through the App settings. Upon termination, your right to use the App will immediately cease.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms within the App or by other reasonable means. Your continued use of the App after such modifications constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using the App.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in New York, and you consent to the jurisdiction of such courts.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Divyo regarding your use of the App and supersede all prior agreements and understandings, whether written or oral.
If you have any questions about these Terms, please contact us at:
Email: ahmadgrahamdev@gmail.com