Terms of Service

SplitClub is operated by S7 Managed Reserves Fund, doing business as SplitClub (“SplitClub”, “we”, “us”). These Terms of Service are a binding agreement between you and us. They cover the SplitClub app, splitclub.com (and splitclubapp.com), checkout.splitclub.com (and checkout.splitclubapp.com), split and payment links, Pay with SplitClub on other websites, and SplitClub through AI assistants (together, “SplitClub” or the “Service”).

By creating an account, joining or paying for a split, or otherwise using SplitClub, you agree to these Terms and to our Privacy Policy. If you list or sell anything on SplitClub as a business, our Business Terms also apply. If you don't agree, don't use SplitClub.

Section 17 contains an arbitration agreement and a class action waiver. It affects how disputes are resolved. You can opt out within 30 days, as explained there.

SplitClub is one place to plan a whole trip or night out with other people and pay for it together: stays, flights, nightlife and tables, day passes, classes, golf, boats, cars, dinners and other experiences. Each person pays their own share, which we call a seat or a place.

The things you book are provided by independent businesses and suppliers: hotels, airlines, venues, clubs, studios, golf courses, charter and rental operators, restaurants and others (“Businesses”). SplitClub is not an airline, hotel, venue, charter operator, carrier or tour operator, and doesn't own, operate or control what they provide. The Business is responsible for delivering what it lists.

Some features are available only in some cities or on some devices, and we may add, change or remove features at any time.

You must be at least 18 years old and able to enter a binding contract to use SplitClub. We ask for your date of birth and ask you to confirm you're 18 or older before you pay for anything.

Nightlife is 21+. Nightclub, bar and other events that serve alcohol are for people 21 and over unless the listing clearly says otherwise. Venues check ID at the door and may refuse entry to anyone without valid ID, who appears intoxicated, or who doesn't meet their dress code or house rules. A refusal at the door for one of these reasons is not a reason for a refund. Other listings may have their own age or skill requirements, shown on the listing.

• Give accurate, current and complete information, and keep it up to date.
• One account per person. Don't create an account for someone else or share yours.
• Keep your sign-in, phone and email secure. You're responsible for activity on your account.
• Tell us right away at business@splitclubapp.com if you think someone else has used your account.
• We may ask you to verify your phone number, email or identity, and may limit features until you do.

A split is a booking shared by a group. Whoever starts it (the “host”) chooses what is being booked, how many seats there are and, where shown, a deadline to fill them. Each person who joins pays for their own seat.

A split goes ahead only when it fills by its deadline. Until then, your payment may be held on your card (an authorization) or charged, as shown when you pay. If every seat is paid by the deadline, the split is confirmed and held payments are captured. If it doesn't fill in time, it doesn't go ahead: holds are released, and anything already charged is returned as described in section 7.

Host top-up. Where offered, the host may pay for any seats still unpaid so the split goes ahead. A host who tops up pays for those seats and is responsible for them. Seats a host pays for aren't refundable because someone else later fails to pay the host back; sort that out between yourselves.

Open seats and links. A host can share a link that lets someone claim a seat. Claimed seats must be paid within the time shown or they are released. We limit how many seats one person or connection can claim, to keep splits fair.

Joining people you don't know. If you turn on “Suggest me for open seats” we may suggest you to hosts with open seats in the categories you choose. It's off unless you turn it on. Use your own judgement when meeting people, and see section 12.

Prices, availability, times and details come from the Business and can change until your booking is confirmed. Some prices (flights especially) can change while a group is paying. If the price of a split changes before it is confirmed, we'll show you the new price before anything more is taken.

SplitClub is the merchant of record for bookings you pay for on SplitClub: you pay us, and your card statement shows SplitClub. Payments are processed by Stripe, Inc. We never see or store your full card number. Where a checkout clearly says a Business is the seller (for example a Business's own payment link or membership), that Business is the merchant of record for that payment.

Service fee. The person paying pays a service fee on each payment, including each share of a split, shown before you pay and included in the total you approve. Today it is 3.9% + $0.30 per payment. We may change the service fee for future payments; the fee you pay is always the one shown at checkout.

Businesses pay SplitClub no fee and receive 100% of their price, under the Business Terms.

Deposits and holds. Some listings take a deposit or put a hold on your card, for example a guest deposit or a request to join. What will be charged, and when, is shown before you agree. If you save a card, we can charge it for amounts you have already agreed to, as described on our card on file page.

Taxes. Prices may include or add taxes and charges that the Business or the law requires, shown at checkout. Currency conversion and foreign transaction fees charged by your bank are yours.

You authorize us and Stripe to charge your payment method for every amount you approve, including holds that are captured when a split fills.

When a split doesn't fill. Nothing is owed. Card holds are released. Money that was charged is returned automatically, including the service fee:

• for a split started with “Start a split” or a split link, and for Pay with SplitClub checkouts on other websites, to the card you paid with;
• for member splits and city nights booked in the app, to your SplitClub wallet (section 8), where you can spend or withdraw it.

When a Business or SplitClub cancels a confirmed booking, you get back what you paid for it, in the same way as above, unless the listing offered you a replacement you accepted.

When you cancel or don't show up. Once a split is confirmed, your seat is non-refundable unless the listing says otherwise. The Business's cancellation terms on the listing apply, and for flights, the airline's fare rules. If you leave a booking before it is confirmed, where leaving is allowed, the service fee may be kept. Weather, a venue's door policy or a supplier's own rules may affect an experience; refunds then follow the listing and the supplier's terms.

Bank processing times for returns to a card are outside our control and usually take 5 to 10 business days.

Your wallet holds money credited to you on SplitClub, such as returns from splits that didn't fill, cancelled bookings or guest deposits returned at check-in. You can use it to pay on SplitClub or, where available, withdraw it to a bank account through Stripe after verifying your identity.

• The wallet is not a bank account. It earns no interest and is not insured by the FDIC or any government agency.
• It can only be used on SplitClub and can't be transferred to another person except as SplitClub offers.
• We may set limits on withdrawals (for example for new accounts), hold a withdrawal while we check it for fraud, and correct credits made in error.
• We may deduct amounts you owe us, including reversed payments and chargebacks, from your wallet.
• If your account is closed, you can ask to withdraw any remaining balance. Unclaimed balances are handled as the law requires.

If something looks wrong with a charge, write to us at business@splitclubapp.com first. We can usually fix it faster than a bank dispute, which freezes the money for everyone in the split while it runs.

If you dispute a payment for a booking you made or used, we will give your bank the evidence we have, such as your approval of the payment, the split's record, and check-in scans at the door. If a chargeback is reversed in your favor for a booking you received, we may recover that amount from you, including from your wallet, and may suspend your account.

When you book something on SplitClub you also agree to the terms of the Business or supplier that provides it, which are shown or linked on the listing or confirmation. That includes a hotel's policies, a venue's house rules and dress code, a charter operator's safety rules, and a golf course's rules.

Flights. Flights are booked through our flight partner, Duffel, with the airline shown. The airline's conditions of carriage and fare rules apply, including changes, cancellations, baggage and check-in. You must give each traveller's name and details exactly as on their ID and meet passport, visa and health requirements. Airlines may change schedules; we'll pass on what they tell us.

Businesses are responsible for their listings, for having the licences, permits and insurance their activity needs, and for what happens at their premises or on their vessels. Any claim about the experience itself is between you and the Business, though we'll help where we can.

Use SplitClub lawfully and respectfully. You agree not to:

• harass, threaten, discriminate against or harm anyone, or behave unsafely at an experience;
• impersonate anyone, give false information, or use someone else's payment method without permission;
• use SplitClub for fraud, money laundering, resale of seats or tickets for profit, or anything illegal;
• scrape, crawl, copy or harvest SplitClub, its listings, prices, availability or people's profiles, by robots, scripts or any automated means, except through the official Partner API or MCP server under their terms, or to build a competing database;
• get around rate limits, bans, access controls, or the limits on claiming seats;
• probe, attack, overload or interfere with the Service, or reverse engineer the app except where the law allows;
• post content that is unlawful, infringing, sexually explicit, hateful, or that shares someone's private information;
• send spam or use SplitClub to advertise other services without our permission.

We may remove content, cancel bookings made in breach of these rules, and limit, suspend or close accounts.

SplitClub helps you plan with friends and, if you choose, with people you haven't met. We don't run background checks on people using SplitClub and can't guarantee how anyone will behave. Meet in public places, tell someone where you're going, and leave if you feel unsafe. Report problems to us.

Many experiences carry inherent risk: boating and water activities, golf, fitness classes, nightlife and travel. You take part voluntarily and accept those risks. Follow the instructions of the captain, instructor, venue staff or crew. To the fullest extent the law allows, SplitClub isn't liable for injury, loss or damage during an experience provided by a Business.

You can use SplitClub through AI assistants that connect to our MCP server or Partner API, and through “Sign in with SplitClub”. When you connect an assistant, it acts for you within the permissions you approve, and you are responsible for what it does with your account. You can disconnect it at any time. Any booking or payment an assistant starts still needs your approval where the Service asks for it.

Developers and partners using the Partner API, MCP server or Pay with SplitClub must follow the documentation at splitclub.com/developers, our rate limits and these Terms, and must not use the access to scrape or republish SplitClub's catalogue. We may change, limit or revoke access at any time.

SplitClub's own AI features (for example suggestions for setting up a split or planning a trip) can be wrong. Check the details before you pay.

You keep ownership of photos, messages and other content you post. You give us a worldwide, non-exclusive, royalty-free licence to host, store, display, adapt (for example resize or remove location data from photos) and share it to run and promote SplitClub, for as long as it is on SplitClub and for a reasonable time after. You confirm you have the rights to what you post.

SplitClub, the SplitClub name and logo, the app, the website and their content are owned by us or our licensors. You may use the Service for your own personal use, and nothing else, without our written permission.

If you believe content on SplitClub infringes your copyright, email business@splitclubapp.com with the subject “Copyright notice”, identifying the work, the content and your contact details.

SPLITCLUB IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DON'T WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT LISTINGS, PRICES, PHOTOS OR AVAILABILITY PROVIDED BY BUSINESSES ARE ACCURATE. WE DON'T WARRANT THE SAFETY, QUALITY OR LEGALITY OF ANY EXPERIENCE, VESSEL, VENUE OR FLIGHT, OR THE CONDUCT OF ANY PERSON.

SplitClub is not a bank, money transmitter or financial adviser. Some places don't allow some of these exclusions, so they may not all apply to you.

TO THE FULLEST EXTENT THE LAW ALLOWS, S7 MANAGED RESERVES FUND AND ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS WON'T BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR LOST PROFITS, DATA OR GOODWILL, ARISING FROM YOUR USE OF SPLITCLUB, ANY EXPERIENCE, OR THE CONDUCT OF ANY BUSINESS OR PERSON. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE GREATER OF WHAT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR $100.

Nothing in these Terms limits liability that can't be limited by law, such as for fraud or, where the law says so, gross negligence or death or personal injury caused by our negligence.

You agree to indemnify and hold us harmless from claims, losses and costs (including reasonable legal fees) arising from your breach of these Terms, your content, or your conduct at an experience or toward other people.

Talk to us first. Before starting a formal claim, email business@splitclubapp.com with a description of the problem and what you want, and give us 60 days to try to resolve it.

Arbitration. If we can't resolve it, you and we agree that any dispute arising out of these Terms or SplitClub will be resolved by final, binding, individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration may be held by video or in the county where you live. Either of us may instead bring an individual claim in small claims court, and either of us may ask a court to stop infringement or misuse of intellectual property.

Class action waiver. Disputes are brought only individually, not as a class, collective or representative action. If this waiver is found unenforceable for a claim, that claim goes to court and not arbitration.

Opt out. You can opt out of arbitration by emailing business@splitclubapp.com within 30 days of first accepting these Terms, with the subject “Arbitration opt-out”, your name and the email or phone number on your account.

Governing law. These Terms are governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-law rules. Any claim not subject to arbitration will be brought in the state or federal courts located in Miami-Dade County, Florida, and you and we consent to their jurisdiction. Any claim must be brought within one year after it arises, where the law allows.

You can delete your account at any time in the app (Profile, then Delete account) or by emailing business@splitclubapp.com. Deleting it doesn't cancel payments you've already approved for confirmed bookings.

We may suspend or close your account, or cancel bookings, if you breach these Terms, if we suspect fraud or abuse, if the law requires it, or if we stop offering the Service. Sections that by their nature should survive (payments owed, wallet, content licence, disclaimers, liability, indemnity and disputes) survive closure.

If you downloaded the app from Apple's App Store, these Terms are between you and us, not Apple. Apple has no obligation to provide support or maintenance for the app and isn't responsible for claims about it. If the app fails to meet a warranty, you may notify Apple, which may refund the app's purchase price (if any). Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

We may update these Terms. If a change is material, we'll tell you in the app or by email before it takes effect, and update the date at the top. Continuing to use SplitClub after that means you accept the new Terms. Changes don't apply to bookings already confirmed.

If any part of these Terms is unenforceable, the rest stays in effect. Our not enforcing a term isn't a waiver. You may not transfer these Terms; we may transfer them to an affiliate or a successor to our business. These Terms, with the Privacy Policy and any listing or checkout terms, are the whole agreement between you and us about SplitClub.

Questions: business@splitclubapp.com.