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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Divly Inc.
Email: support@divly.io
Also see our Privacy Policy.