Terms of Service

Effective Date: April 1, 2026Last Updated: October 10, 2026

Welcome to Divly. These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Divly LLC (“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. Subscriptions (Divly Plus)

Divly is free to download and use. Some features, such as receipt scanning, require a paid Divly Plus subscription, offered monthly or yearly at the price shown in the App Store before you buy. New subscribers may be offered a free trial (currently two (2) weeks); trial eligibility is determined by Apple, which generally allows one introductory offer per Apple ID. Unless you cancel, your subscription renews automatically at the end of each period, including at the end of a free trial, and is charged to your Apple ID.

To avoid being charged for the next period, turn off auto-renewal at least twenty-four (24) hours before the current period ends, in your Apple Account settings (on iPhone: Settings → your name → Subscriptions). Payment, billing and refunds for purchases made through the App Store are handled by Apple under Apple's terms, and Divly cannot issue those refunds; you can request one at reportaproblem.apple.com. If we change subscription prices, the new price applies from your next renewal, and Apple will notify you as its policies require. Deleting your Divly account does not cancel your subscription.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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 FOR THE SERVICE, INCLUDING ANY DIVLY PLUS SUBSCRIPTION FEES PAID THROUGH APPLE, IF ANY, IN THE PAST TWELVE (12) MONTHS.

10. 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.

11. 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 deleting it in the app (Profile → Delete account) or by contacting us at support@divly.io to request account deletion. Deleting your account does not cancel a Divly Plus subscription; see Section 3.

12. 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.

13. 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.

14. Apple App Store Terms

If you downloaded the Divly app from Apple's App Store, the following also applies: (a) these Terms are between you and Divly LLC only, not Apple Inc. (“Apple”), and Divly, not Apple, is solely responsible for the app and its content; (b) your license to use the app is a limited, non-transferable license to use it on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions (the app may also be used by other accounts associated with you through Family Sharing or volume purchasing); (c) Divly, not Apple, is solely responsible for any maintenance and support of the app, and Apple has no obligation to provide any; (d) Divly is solely responsible for any product warranties not effectively disclaimed under applicable law; if the app fails to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price, if any, for the app to you, and to the maximum extent permitted by law Apple has no other warranty obligation with respect to the app; (e) Divly, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product liability claims, claims that the app fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection, privacy or similar laws; (f) if a third party claims that the app or your possession or use of it infringes that third party's intellectual property rights, Divly, not Apple, is solely responsible for the investigation, defense, settlement and discharge of that claim; (g) you represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties; (h) you must comply with any applicable third-party terms (such as your wireless carrier's) when using the app; and (i) Apple and its subsidiaries are third-party beneficiaries of these Terms, and once you accept them, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary. Questions, complaints or claims about the app go to Divly LLC at support@divly.io.

15. 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.

16. 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.

17. Contact Information

Divly LLC
Email: support@divly.io

Also see our Privacy Policy.