Divly handles the math, the tracking, and the awkward "hey you owe me" texts — so you can focus on actually enjoying time with people.
📸
Receipt Scanning
Snap a photo of any receipt and Divly auto-reads every line item. No manual entry, no typos, no tedious data crunching.
⚖️
Fair Splits
Split evenly or by item — assign specific dishes, drinks, or purchases to whoever actually ordered them. Fairness, automated.
👥
Groups & Friends
Create groups for roommates, travel squads, or weekly dinner crews. Keep a running tab so nothing slips through the cracks.
💸
Instant Settle Up
Record payments with one tap. Cash, Venmo, Zelle — whatever works. Divly tracks it all so everyone knows who's square.
🔔
Smart Reminders
Gentle nudge notifications so you never have to be the one awkwardly asking "hey did you get my Venmo request?"
🔒
Private & Secure
Your financial data stays yours. End-to-end encryption, no selling data, no ads. Just a clean app that respects your privacy.
// The App
Designed for real life moments.
From Taco Bell runs to European vacations — Divly handles it all with a clean, intuitive interface.
Your Expenses
// How It Works
Four steps to stress-free splitting.
No accounts to link, no banks to connect. Just download and start splitting.
01
Create an Expense
Snap a receipt or enter manually. Divly reads every line item automatically.
02
Add Your People
Invite friends, roommates, or your partner. They'll see what they owe instantly.
03
Assign Items
Split evenly or tap to assign specific items to each person. Tax and tip included.
04
Settle Up
Record payments when people pay you back. Cash, Venmo, Zelle — whatever works.
Early Access
Be First in Line
Join thousands of early adopters getting exclusive access before public launch. No spam, just launch updates.
🔒 No spam. Unsubscribe anytime.
0+ people already on the waitlist
0
Bills Split
0
Happy Users
4.9
App Rating
Free
To Get Started
// Reviews
People are obsessed.
Don't just take our word for it. Here's what real users are saying about Divly.
★★★★★
"Finally an app that actually makes splitting fair. The receipt scanner is insane — it reads everything perfectly. No more spreadsheets after group dinners."
JM
Jake M.
College roommate life
★★★★★
"My friend group used to have SO much drama over who paid what. Divly literally saved our friendships. I'm not even joking."
SR
Sarah R.
Friend group of 6
★★★★★
"Used it on our entire Europe trip. 4 people, 15 days, hundreds of expenses. Divly tracked every single one perfectly. 10/10."
DL
Daniel L.
Travel group
★★★★★
"My partner and I use this for everything — groceries, rent, subscriptions. It's so much cleaner than texting each other random numbers."
AP
Aisha P.
Couple sharing expenses
★★★★★
"I used to just eat the cost because I was too awkward to ask people to pay me back. Divly does the asking for me. Game changer."
TC
Tyler C.
People pleaser in recovery
★★★★★
"Way better than Splitwise. The UI is clean, it doesn't force you to create an account for every person, and the itemized splitting is *chef's kiss*."
MK
Maria K.
Switched from Splitwise
// Download
Ready to stop the awkward money math?
Free to download. Free to use. No catches, no hidden fees.
Effective Date: April 1, 2026 | Last Updated: April 1, 2026
Welcome to Divly. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Divly Inc. ("Divly," "Company," "we," "us," or "our") governing your access to and use of the Divly mobile application, website, and all related services (collectively, the "Service"). By downloading, installing, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately cease use of the Service.
1. Eligibility and Account Registration
You must be at least thirteen (13) years of age to use the Service. If you are between the ages of thirteen (13) and eighteen (18) (or the age of legal majority in your jurisdiction), you may only use the Service with the consent and under the supervision of a parent or legal guardian who agrees to be bound by these Terms. By registering an account, you represent and warrant that: (a) all registration information you submit is truthful, accurate, and complete; (b) you will maintain the accuracy of such information; and (c) your use of the Service does not violate any applicable law, regulation, or obligation.
You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify Divly of any unauthorized use of your account or any other breach of security. Divly shall not be liable for any loss or damage arising from your failure to safeguard your account credentials.
2. Description of the Service
Divly provides a mobile and web-based platform that enables users to create, manage, and track shared expenses among groups of individuals. Core functionality includes, but is not limited to: optical character recognition ("OCR") receipt scanning, manual expense entry, even and itemized expense splitting, payment tracking and recording, group and individual expense management, and notification services. Divly is an expense tracking and calculation tool. Divly does not process, facilitate, or transmit any financial transactions, payments, or monetary transfers between users. All actual payments between users occur outside the Divly platform through third-party services selected independently by the users.
3. Acceptable Use Policy
You agree to use the Service solely for lawful purposes and in accordance with these Terms. You shall not: (a) use the Service in any manner that could disable, overburden, damage, or impair the Service or interfere with any other party's use; (b) attempt to gain unauthorized access to any portion of the Service, other accounts, computer systems, or networks connected to the Service; (c) use any robot, spider, scraper, or other automated means to access the Service; (d) introduce any viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful material; (e) use the Service to transmit any unsolicited advertising, promotional materials, or spam; (f) impersonate or attempt to impersonate Divly, a Divly employee, another user, or any other person or entity; (g) use the Service for any fraudulent, deceptive, or illegal purpose, including but not limited to money laundering, tax evasion, or the facilitation of any financial crime; or (h) use the Service in any manner that infringes upon the rights of any third party.
4. Intellectual Property Rights
All content, features, functionality, and materials available through the Service — including but not limited to the software, algorithms, text, graphics, logos, icons, images, audio clips, data compilations, user interface design, and the selection and arrangement thereof — are owned by Divly, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The Divly name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Divly or its affiliates. You are granted no right or license to use any of these trademarks without the prior written consent of Divly.
5. User-Generated Content
You retain ownership of any content you submit, post, or display through the Service ("User Content"), including but not limited to receipt images, expense descriptions, group names, and comments. By submitting User Content, you grant Divly a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform such User Content solely in connection with operating and improving the Service. You represent and warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the foregoing license. Divly reserves the right to remove any User Content that violates these Terms or is otherwise objectionable in Divly's sole discretion.
6. Third-Party Services and Links
The Service may contain links to third-party websites, applications, or services that are not owned or controlled by Divly. Divly has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Divly shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any third-party websites or services.
7. Disclaimer of Warranties
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DIVLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. DIVLY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. DIVLY DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT OR INFORMATION OBTAINED THROUGH THE SERVICE, INCLUDING BUT NOT LIMITED TO OCR-GENERATED DATA FROM RECEIPT SCANS. YOU ACKNOWLEDGE THAT ANY RELIANCE ON SUCH CONTENT OR INFORMATION IS AT YOUR OWN RISK.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DIVLY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER DIVLY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (C) ANY CONTENT OBTAINED FROM THE SERVICE; (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT; OR (E) ANY DISPUTES BETWEEN USERS REGARDING SHARED EXPENSES. IN NO EVENT SHALL DIVLY'S AGGREGATE LIABILITY EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100.00) OR THE AMOUNT YOU PAID DIVLY, IF ANY, IN THE PAST TWELVE (12) MONTHS.
9. Indemnification
You agree to indemnify, defend, and hold harmless Divly and its officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party; (d) your User Content; or (e) any dispute between you and any other user of the Service regarding shared expenses, payments, or obligations.
10. Termination
Divly 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. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnity obligations, and limitations of liability. You may terminate your account at any time by discontinuing use of the Service and contacting us at support@divly.io to request account deletion.
11. Dispute Resolution and Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted in the English language in the state of Illinois, United States. YOU AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If for any reason a claim proceeds in court rather than in arbitration, you and Divly each waive any right to a jury trial.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of law principles. Any legal proceedings that are not subject to the arbitration provision above shall be brought exclusively in the state or federal courts located in Cook County, Illinois.
13. Modifications to Terms
Divly reserves the right to modify or replace these Terms at any time in its sole discretion. If a revision is material, Divly will provide at least thirty (30) days' notice prior to the effective date of any new Terms by posting notice within the Service or sending notification to the email address associated with your account. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of such revised Terms.
14. General Provisions
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Divly's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Divly regarding the Service and supersede all prior agreements, understandings, and communications. The section headings in these Terms are for convenience only and have no legal or contractual effect. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms.
15. Contact Information
If you have questions about these Terms, please contact us at: Divly Inc.
Email: support@divly.io
Privacy Policy
Effective Date: April 1, 2026 | Last Updated: April 1, 2026
Divly Inc. ("Divly," "Company," "we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy describes how we collect, use, disclose, store, and protect information about you when you access or use our mobile application, website, and related services (collectively, the "Service"). By using the Service, you consent to the practices described in this Privacy Policy. If you do not agree to this Privacy Policy, you must discontinue use of the Service.
1. Information We Collect
1.1 Information You Provide Directly. When you register for an account, create or join groups, log expenses, or communicate with us, we may collect: your name, email address, phone number, and profile photo; expense data including descriptions, amounts, dates, categories, and associated receipt images; group membership information, including the names and contact information of individuals you add to shared expense groups; payment records you voluntarily log within the Service; and any other information you choose to provide, including communications with our support team.
1.2 Information Collected Automatically. When you access or use the Service, we automatically collect certain information, including: device information (device type, operating system version, unique device identifiers, mobile network information); log information (access times, pages viewed, IP address, referring URL, actions taken within the Service); location information (general location inferred from your IP address; we do not collect precise GPS location data unless you explicitly enable location services); and usage data (features used, interaction patterns, session duration, crash reports, and performance data).
1.3 Information from Receipt Scanning. When you use our OCR receipt scanning feature, we process images of receipts to extract text data including merchant names, item descriptions, quantities, prices, tax amounts, and totals. Receipt images may be temporarily stored for processing purposes and are deleted from our active servers within thirty (30) days of processing unless you choose to retain them within the Service.
2. How We Use Your Information
We use the information we collect to: provide, maintain, and improve the Service and its features; process and manage shared expenses, splits, and payment tracking; send you transactional notifications related to your account, expenses, and settlements; respond to your comments, questions, and customer service requests; analyze usage patterns and trends to improve user experience and develop new features; detect, investigate, and prevent fraudulent transactions, abuse, and other illegal activities; comply with legal obligations, enforce our Terms of Service, and protect the rights, property, and safety of Divly, our users, and the public; and send you optional marketing communications, which you may opt out of at any time.
3. How We Share Your Information
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following limited circumstances:
With Other Users: When you participate in a shared expense group, other members of that group can see your name, profile photo, the expenses you create or are assigned to, and amounts owed or owing. This sharing is essential to the core functionality of the Service.
With Service Providers: We engage trusted third-party companies and individuals to perform services on our behalf, including cloud hosting, data analytics, customer support, and OCR processing. These service providers have access to your information only to perform tasks on our behalf and are contractually obligated to protect it.
For Legal Compliance: We may disclose your information if required to do so by law, in response to a subpoena, court order, or other governmental request, or when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
In Business Transfers: If Divly is involved in a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of its assets, your information may be transferred as part of that transaction. We will notify you via the Service or email of any change in ownership or uses of your personal information.
With Your Consent: We may share your information for other purposes with your explicit consent.
4. Data Storage and Security
We implement industry-standard technical and organizational security measures designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit using TLS/SSL protocols, encryption of sensitive data at rest, regular security assessments and vulnerability testing, access controls limiting employee access to personal data on a need-to-know basis, and secure data backup and recovery procedures. While we strive to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee the absolute security of your information.
5. Data Retention
We retain your personal information for as long as your account remains active or as needed to provide you the Service. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Upon account deletion request, we will delete or anonymize your personal information within ninety (90) days, except where retention is required by law or for legitimate business purposes such as fraud prevention. Anonymized and aggregated data that cannot reasonably be used to identify you may be retained indefinitely for analytics and service improvement purposes.
6. Your Rights and Choices
6.1 Access and Portability. You may request a copy of the personal information we hold about you in a structured, commonly used, and machine-readable format.
6.2 Correction. You may update or correct your account information at any time through the Service settings or by contacting us.
6.3 Deletion. You may request deletion of your personal information by contacting us at support@divly.io. We will process your request within thirty (30) days, subject to certain exceptions required by law.
6.4 Opt-Out of Marketing. You may opt out of receiving promotional emails by following the unsubscribe instructions in those emails. You may also adjust your notification preferences within the Service settings.
6.5 Do Not Track. Our Service does not currently respond to "Do Not Track" signals transmitted by web browsers.
7. Children's Privacy
The Service is not directed to children under the age of thirteen (13). We do not knowingly collect personal information from children under thirteen. If we learn that we have collected personal information from a child under thirteen, we will take immediate steps to delete that information. If you believe we may have collected information from a child under thirteen, please contact us at support@divly.io.
8. International Data Transfers
Divly is based in the United States. If you access the Service from outside the United States, you understand and agree that your information may be transferred to, stored, and processed in the United States and other countries where our service providers operate. These countries may have data protection laws that differ from those of your country of residence. By using the Service, you consent to the transfer of your information to the United States and other countries as described in this Privacy Policy.
9. California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have the right under the California Consumer Privacy Act and the California Privacy Rights Act to: know what personal information we collect, use, disclose, and sell; request deletion of your personal information; opt out of the sale or sharing of your personal information (note: we do not sell personal information); not be discriminated against for exercising your privacy rights; and correct inaccurate personal information. To exercise any of these rights, please contact us at support@divly.io. We will verify your identity before processing your request.
10. European Economic Area (GDPR)
If you are located in the European Economic Area ("EEA"), United Kingdom, or Switzerland, you have additional rights under the General Data Protection Regulation ("GDPR") including: the right to access, rectify, erase, restrict processing of, and port your personal data; the right to object to processing of your personal data; the right to withdraw consent at any time where processing is based on consent; and the right to lodge a complaint with your local supervisory authority. Our legal bases for processing your personal data include: performance of a contract (providing the Service), legitimate interests (improving and securing the Service), consent (marketing communications), and legal obligation (compliance with applicable laws).
11. Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to collect usage information. Cookies are small data files stored on your device. We use: essential cookies necessary for the operation of the Service; analytics cookies to understand how the Service is used; and functionality cookies to remember your preferences. You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of the Service.
12. Third-Party Analytics
We may use third-party analytics services (such as Google Analytics and Firebase Analytics) to help us understand how users interact with the Service. These services may collect information sent by your device, including usage data, and use cookies or similar technologies. The information generated is used to evaluate use of the Service and compile reports on Service activity. We encourage you to review the privacy policies of these third-party analytics providers.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the updated Privacy Policy within the Service and updating the "Last Updated" date at the top. For material changes that significantly affect your rights, we will provide additional notice, such as an in-app notification or email. Your continued use of the Service after the effective date of the revised Privacy Policy constitutes your acceptance of the revised terms.
14. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: Divly Inc.
Email: support@divly.io
For privacy-specific inquiries: support@divly.io
