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Terms of Service

Please read these terms carefully before using our service. By using Splitwise for YNAB, you agree to these terms.

Last updated: 6/6/2025

Important Disclaimers

YNAB: We are not affiliated, associated, or in any way officially connected with YNAB, or any of its subsidiaries or its affiliates. The official YNAB website can be found at https://www.ynab.com. The names YNAB and You Need A Budget as well as related names, marks, emblems and images are registered trademarks of YNAB.

Splitwise: We are not affiliated, associated, or in any way officially connected with Splitwise, or any of its subsidiaries or its affiliates. The official Splitwise website can be found at https://www.splitwise.com. The name Splitwise as well as related names, marks, emblems and images are registered trademarks of Splitwise, Inc.

Acceptance of Terms

By accessing and using Splitwise for YNAB (“the Service”), you accept and agree to be bound by the terms and provision of this agreement.

If you do not agree to abide by the above, please do not use this service. Your continued use of the Service constitutes acceptance of these terms as they may be modified from time to time.

Description of Service

Splitwise for YNAB is a third-party integration service that automatically synchronizes flagged transactions between your YNAB budget and Splitwise expense sharing groups.

  • The Service connects to YNAB and Splitwise through their official APIs
  • We facilitate data synchronization based on your explicit instructions
  • The Service requires active accounts with both YNAB and Splitwise
  • We do not provide YNAB or Splitwise functionality directly

User Responsibilities

As a user of our Service, you agree to:

  • Account Security: Maintain the security of your YNAB and Splitwise accounts
  • Accurate Information: Provide accurate and up-to-date information
  • Compliance: Comply with YNAB and Splitwise terms of service
  • Responsible Use: Use the Service only for its intended purpose
  • Data Verification: Review synchronized transactions for accuracy
  • Prompt Notification: Report any issues or discrepancies immediately

Important: You remain responsible for the accuracy of your financial data in both YNAB and Splitwise. Our Service is a convenience tool and does not replace your responsibility to monitor your finances.

API Usage and Limitations

Our Service operates within the constraints of third-party APIs:

  • Rate Limits: We respect YNAB and Splitwise API rate limits, which may affect sync speed
  • API Changes: Service functionality may be affected by changes to YNAB or Splitwise APIs
  • Downtime: Service availability depends on YNAB and Splitwise API availability
  • Data Accuracy: We sync data as provided by the APIs; we cannot guarantee data accuracy
  • Feature Limitations: Our features are limited by what the APIs allow

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.

  • We only access data necessary for synchronization
  • We use OAuth for secure authentication
  • We do not store your YNAB or Splitwise passwords
  • You can revoke access at any time

Disclaimers and Limitations

Service Disclaimer:

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

  • No Financial Advice: We do not provide financial advice or recommendations
  • Third-Party Dependencies: Service functionality depends on YNAB and Splitwise availability
  • Data Accuracy: We are not responsible for data accuracy or financial decisions based on synchronized data
  • Service Interruptions: We may experience downtime or service interruptions
  • Beta Features: Some features may be in beta and subject to changes or removal

Limitation of Liability

IN NO EVENT SHALL SPLITWISE FOR YNAB BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our total liability to you for any claims arising from or related to this Service shall not exceed the amount you have paid us in the twelve (12) months preceding the claim.

Termination

Either party may terminate this agreement at any time:

  • User Termination: You may stop using the Service and revoke API access at any time
  • Service Termination: We may suspend or terminate the Service with reasonable notice
  • Data Retention: Upon termination, we will delete your data according to our Privacy Policy
  • Survival: Certain provisions (disclaimers, limitations) survive termination

Changes to Terms

We reserve the right to modify these terms at any time. When we do:

  • We will notify you via email of any material changes
  • We will update the “Last updated” date at the top of this page
  • Continued use of the Service after changes constitutes acceptance
  • If you disagree with changes, you may terminate your use of the Service

Governing Law

These terms shall be governed by and construed in accordance with the laws of the jurisdiction where our company is incorporated, without regard to its conflict of law provisions.

Any disputes arising from these terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Contact Information

If you have any questions about these Terms of Service, please contact us:

We will respond to all legal inquiries within 30 days.

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