Terms of Use

Last updated: 29 September 2026

Applies to DivvyUp for iPhone, version 3.0 and later.

These terms are an agreement between you and Sports Stats Limited ("we", "us"), a company registered in England and Wales and the developer of DivvyUp (the "app"). By downloading or using the app you accept them. If you do not accept them, do not use the app.

Apple's standard Licensed Application End User License Agreement, available at apple.com/legal/internet-services/itunes/dev/stdeula/, also applies to the app. Where these terms and Apple's standard EULA differ, these terms govern, except on the points Apple's EULA reserves for itself.

1. Your Licence

We grant you a personal, non-exclusive, non-transferable licence to install and use DivvyUp on Apple-branded devices that you own or control, as permitted by the App Store Usage Rules in your Apple Media Services Terms and Conditions. The licence lasts until it is terminated under section 16.

2. What You May Not Do

You may not copy, sell, rent, lease, sublicense or redistribute the app; reverse engineer, decompile or disassemble the app, or attempt to derive its source code, except where that restriction is prohibited by law; modify the app, or create derivative works from it; remove or obscure any copyright or other proprietary notices; interfere with, overload or try to get around the limits of the bill and receipt scanning service, or use it other than through the app; or use the app in any way that breaks applicable law.

3. Ownership

The app, including its code, design, artwork and text, is owned by us and protected by copyright and other intellectual property laws. You are licensed to use it, not sold it. All rights not expressly granted are reserved.

The app includes third-party software, including the Google Mobile Ads SDK, which is governed by its own terms. Restaurant, shop and company names you see in the app are ones you entered or that were read from your own receipts. The app is not affiliated with, endorsed by or sponsored by any of them.

4. Your Records

Your IOUs, splits, expenses, clients, budgets and receipt photos belong to you. They are stored on your device and, if you use iCloud, in your own iCloud account. We have no copy of them and no way to recover them.

Records can be lost if you delete the app, reset your device, turn off iCloud or run out of iCloud storage. If your records matter to you, keep iCloud turned on or your iPhone backed up. We try to keep every update able to read the records made by earlier versions, but we cannot guarantee it.

5. Not Financial, Tax or Legal Advice

DivvyUp is a record-keeping and calculation tool. Its calculators, budgets, tax set-aside and VAT or sales tax figures, interest and savings projections, and reimbursement totals are estimates based on the numbers you enter. They are not financial, tax, accounting or legal advice. Check anything important with a qualified adviser or with the relevant authority, such as HMRC or the IRS.

6. Bill and Receipt Scanning

Scanning uses an automated service, provided by us with OpenAI, to read the items, amounts, tax, merchant and date from a photo. It can misread things, particularly on creased, faded or partly photographed bills. Always check a scanned bill or receipt before you split it, claim it or rely on it. The app flags a scan whose items do not add up to the printed total, but it cannot catch every mistake.

Only scan documents that you are entitled to use. Scanning is available to DivvyUp Pro subscribers and to holders of scan credits, and is subject to a fair-use daily limit. We may change the service that reads scans, and the service may occasionally be unavailable; you can always enter a bill by hand.

7. Exchange Rates

Currency conversions use the European Central Bank reference rate for the day, obtained through a third-party service. They are for guidance only and can differ from the rate your bank or card provider charged you. You can change the rate on any expense or payment to match your statement, and you are responsible for the rate you use in a claim.

8. Expenses, Claims and Payments

How and whether a client reimburses you is a matter between you and that client. The app applies the reimbursement rules you set, but you are responsible for the accuracy of every expense, claim report and invoice you send, and for keeping any original receipts your client, employer or tax authority requires.

9. IOUs, Splits and Messages

DivvyUp keeps a record of who owes what. It does not move money, collect payments or chase anyone on your behalf. Messages you share from the app, including any bank details you choose to add, are sent by you, through the app you choose, and you are responsible for what you send and to whom.

10. DivvyUp Pro Subscription

DivvyUp Pro is an optional auto-renewing subscription, offered monthly or yearly, that unlocks features described in the app, including bill and receipt scanning, claim reports, unlimited clients, expenses and payments in any currency, your own budget categories and no ads. Prices are shown in the app before you buy and may vary by country.

Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically at the end of each period, at the then-current price, unless you cancel it at least 24 hours before the period ends. Your account is charged for renewal within the 24 hours before the period ends. You can manage or cancel the subscription in your App Store account settings, or from Settings › Manage subscription in the app. Cancelling stops the next renewal; you keep Pro until the end of the period you have paid for. If a free trial is offered and you subscribe during it, any unused part of the trial ends when you pay. Refunds are handled by Apple under its policies, at reportaproblem.apple.com. Nothing in these terms limits your statutory right to a refund where the law gives you one.

We may add, change or remove Pro features. If we remove a major Pro feature, we will describe the change in the app's release notes so that you can decide whether to keep your subscription.

11. Scan Credits

Scan credits were sold in version 2.5 of the app and are no longer on sale. If you bought credits, they remain yours: each credit pays for one successful bill or receipt scan without a Pro subscription, and a failed scan does not use one. Credits do not expire while the scanning service is offered.

Credits have no cash value, cannot be exchanged or transferred to another Apple Account, and are checked against your App Store purchases. Use Restore purchases in the app's Settings to recover them on a new device signed in to the same Apple Account. Refunds of credits are handled by Apple.

12. Lifetime Ad Removal

The one-time "Remove ads" purchase sold in earlier versions continues to remove ads. It does not include the other DivvyUp Pro features.

13. Advertising

The free version of the app shows banner ads provided by Google. We are not responsible for the content of third-party ads or for the products and websites they promote.

14. No Warranty

The app, including the scanning service, is provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement. We do not warrant that the app or the scanning service will be uninterrupted or error-free, or that defects will be corrected.

Nothing here limits any statutory consumer rights that cannot be limited by agreement, including rights under the Consumer Rights Act 2015 and the consumer laws of the United Kingdom, the European Union, Australia and other jurisdictions that provide them.

15. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of data, records, money, profits or goodwill, arising out of your use of or inability to use the app, including any amount that was misread by a scan, miscalculated, not claimed or not repaid.

Where liability cannot be excluded, our total liability to you is limited to the amount you paid us for the app, subscriptions and credits in the twelve months before the claim, or £20, whichever is greater.

We do not exclude or limit liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be excluded.

16. Termination

This licence ends automatically if you break these terms. It also ends when you delete the app from your devices. On termination you must stop using the app and delete all copies of it. Deleting the app does not cancel a subscription; cancel it as described in section 10. Sections 3, 14, 15 and 19 survive termination.

17. Updates and Changes

We may release updates that change, add or remove features. We may stop supporting the app or withdraw it from the App Store at any time. We are not required to provide updates or support, but we will not withdraw features you have paid for without telling you, and anything you have paid for that we can no longer provide can be refunded through Apple.

We may revise these terms. The revised version applies from the date shown at the top of this page, and will be published wherever you found this one. Continuing to use the app after that date means you accept the revised terms.

18. Apple

Apple is not a party to these terms and has no obligation to provide any maintenance or support for the app. Apple is not responsible for any claim relating to the app, including product liability claims, any claim that the app fails to conform to a legal or regulatory requirement, and claims under consumer protection or similar legislation. Any such claim is our responsibility, subject to these terms. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

You confirm that you are not located in a country subject to a United States Government embargo, or designated as a "terrorist supporting" country, and that you are not on any United States Government list of prohibited or restricted parties.

19. Governing Law

These terms are governed by the laws of England and Wales, without regard to conflict of law rules. If you are a consumer, you keep the benefit of any mandatory protections under the law of the country where you live, and you may bring proceedings in your local courts.

If any provision of these terms is held unenforceable, the rest stays in force.

20. Privacy

How the app handles data is described in the Privacy Policy, which forms part of these terms. In short: your records stay on your device and in your own iCloud, photos you scan are read and not kept, and ads on the free plan come from Google.

21. Contact

If you have any questions about these terms, please contact us: