Terms of service

These terms of service (hereinafter "Terms") apply between:

• the app operator: Lidmila Maršálková, Czech company ID: 05684447, not a VAT payer, registered office at Jindice 115, 285 04 Rašovice-Uhlířské Janovice, Czech Republic (hereinafter also the "operator" or "we"), registered in the Czech Trade Licence Register,
• the app user (hereinafter also the "user" or "you").

These Terms govern your use of the Kvitta mobile app for Android and iOS and the web app at kvitta.app (jointly the "App"). By downloading, installing, or using the App, you agree to these Terms.

Kvitta is an app for tracking and splitting shared expenses. It lets you create groups, record expenses (including from a receipt photo), calculate shares, suggest settlements with as few payments as possible, create QR payments and payment links, send reminders, convert currencies and export reports.

The App is purely a tool for tracking shared expenses. It does not make any payments — you send money to each other outside the App — and it does not replace accounting or financial advice.

• You download the Android app from Google Play and the iOS app from the App Store. The terms of the respective store also apply in addition to these Terms.
• If you download the App from the App Store, the Apple Standard License Agreement (EULA) also applies to your licence. These Terms are concluded with the operator, not with Apple; Apple is not responsible for the App, its content or support.
• The web app is available at kvitta.app in modern browsers.
• Features may differ between the mobile and web apps. We update the App continuously; we do not guarantee uninterrupted availability.

• Using the App requires an account. You can sign in with email and password, an email link, or with Google, Apple or Facebook.
• You must provide truthful information and protect access to your account. You are responsible for all activity under your account.
• The App is not intended for children under 16.

• The basic version is free, contains ads and has limits (e.g. the number of groups and members per group). The current scope is shown in the App on the Premium screen.
• Kvitta Premium unlocks additional features and removes ads. We offer monthly and yearly subscriptions and a one-time lifetime purchase. Current prices are shown in the App before you buy.
• Premium is tied to your Kvitta account and works on every device where you sign in to that account.
• We may adjust the scope of Premium. We will not remove features you have paid for during your subscription period without compensation.

• Payments are processed exclusively through Google Play or the App Store and are governed by the respective store's terms. We never see your payment details.
• Subscriptions renew automatically for the same period at the current price unless you cancel at least 24 hours before the end of the current period. Payment is charged to your store account when you confirm the purchase and at each renewal.
• You cancel a subscription in your Google Play or Apple ID subscription settings (in the App via “manage subscription”). Uninstalling the App or deleting your Kvitta account does not cancel the subscription.
• To restore a purchase on a new device, use “restore purchases” in the App.
• Consumers may withdraw from a contract for digital content within 14 days. However, if you expressly agree that Premium is made available immediately after purchase, you acknowledge that you thereby lose the right of withdrawal.
• Refunds are requested from the store you paid through: Google Play (refunds) or Apple (reportaproblem.apple.com).

• Whatever you enter in a group (expenses, comments, names, the account number in a QR payment) is visible to its members. Anyone with an invite can join the group — only share invites with people you want in it.
• You are responsible for the accuracy of what you enter. Expenses are a shared record of the group, so they stay with the other members after you leave or delete your account.
• A group admin can edit, archive or delete the group and manage its members. Deleting a group is irreversible for all members.
• Anyone who has a payment link can open it. Only send it to the person who owes you.

You agree to:

• use the App in line with applicable laws and not misuse it for fraudulent or unlawful purposes,
• not post content that is offensive or infringes the rights of others, and not harass other users (e.g. with repeated reminders),
• not interfere with the technical operation of the App or circumvent free-version limits or security,
• not reverse-engineer the App or scrape data through automated means.

The App and all of its content (code, graphics, texts) are protected by copyright. We grant you a non-exclusive, non-transferable licence to use the App for personal purposes. Without the operator's prior written consent, you may not copy, modify or distribute the App or create derivative works.

The data you enter into the App remains yours.

• The App is provided "as is". We do not guarantee that it will always be available and error-free.
• Balance calculations, currency conversions and QR payments are indicative. Rates come from the European Central Bank and may differ from your bank's rate. Check the details before sending a payment.
• Receipt recognition runs automatically on your phone and may contain errors.
• We are not responsible for payments between users, for relationships between group members, or for content entered by other users.
• Liability for damage is limited to the extent permitted by law. This does not affect your statutory consumer rights.

How we process personal data, including for ads and purchases, is described in the Privacy policy.

• You can stop using the App anytime by deleting your account in the App (Me → settings & notifications → delete account). Details are on the Account & data deletion page. Cancel any running subscription separately in the store.
• The operator may restrict or terminate your access to the App in case of a breach of these Terms.
• The operator reserves the right to discontinue the App. Users will be notified reasonably in advance and given the option to export their data.

We may change these Terms, in particular due to new features or changes in law. The new version will be published on the website and we will notify you about significant changes in the App in advance. If you disagree with a change, you can delete your account and cancel your subscription.

These Terms are governed by Czech law. Any disputes will be heard by the competent court in the Czech Republic. If you are a consumer, this does not affect the mandatory rights granted to you by the law of your country of residence.

As a consumer you have the right to out-of-court dispute resolution through the Czech Trade Inspection Authority (ČOI).

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in force.

Questions about the App: podpora@kvitta.app. The operator can be reached at hello@codewhiskers.app.

These Terms take effect on October 24, 2026 and replace the version effective from April 12, 2026.