Terms
Last updated 15 October 2026
Owlsplit is run by OwlOpsCo. By using it you agree to these terms. They’re governed by the laws of the Philippines.
What the app does
It keeps a shared record of what a group spent and works out who owes whom. It does not move money between members: repayments happen outside the app, and marking one as paid only updates the record. Check the figures before you pay anyone — scanned receipts in particular can be misread.
Using it, with or without an account
- You can use the app as a guest. Signing in with Google or an email code is optional and keeps your trips on all your devices.
- Each name on a trip belongs to one person. Pick your own name, not someone else’s.
- The person who made a trip can lock it so the code stops letting new people in, or delete it.
- Anyone on a trip who is signed in to an account can reset someone’s access, for example after a lost phone. That person joins again with the trip code and picks their name.
- You can leave a trip at any time, and delete your account from your profile. What happens to your information when you do is explained in the Privacy page.
Free and Premium
- Splitting, settling up, joining trips and payment QR codes are free.
- Free use includes 3 receipt scans a month. Everyone, Premium or not, is limited to a fair number of scans in a few minutes, to keep the service working for all.
- Premium costs ₱10, paid once. It never expires and never renews, and needs a free account so it isn’t lost. It’s yours alone: you get the Premium features on every trip, and it doesn’t unlock them for the other people on those trips.
- Voucher codes we hand out give the same Premium for free. Each person can use a code once, and a code may have a limited number of uses or an end date.
Payments and refunds
Payments are processed by PayMongo. Premium turns on once PayMongo confirms the payment. If you were charged but Premium did not turn on, or you paid twice by mistake, contact us using the details on your receipt and we’ll fix it or refund you.
What you add
You keep ownership of the photos, QR codes and details you add. You let us store them and show them to the people on the trips you share them with, so the app can work. Only add things you have the right to share.
Fair use
Don’t try to get around the free scan allowance, guess other groups’ trip codes or voucher codes, take a name that isn’t yours, or use the app to store anything unlawful. We may limit or remove access that abuses the service.
Changes and no guarantee
We may change or improve the app, and update these terms; big changes will be posted under What’s new. We work to keep the app available and your data safe, but it’s provided as is. Keep your own copy of anything important — you can export a trip as a spreadsheet at any time.