Terms
Terms of use
What Recfinly is
Recfinly is a tool for splitting bills, tracking balances, and budgeting. It records who owes what and sends reminders to settle up. It is a record-keeping and reminder tool — not a bank, wallet, escrow, or payment provider.
Money movement is between you and your friends
Recfinly never holds, transfers, guarantees, or verifies payments. Any actual payment happens directly between you and the people you owe or who owe you, using whatever method you choose. “Mark as paid” is a record you keep — not a transaction we process.
Who can use it
You must be 18 or older to use Recfinly. It handles money owed between real people, and that is not something to hand a child.
Using it fairly
Use Recfinly for your own genuine splits and budgeting. Don’t use it to break the law, harass others, or abuse the service. Keep your login details to yourself.
Accuracy
We work hard to get the math right — splits sum to the total and balances net to zero — but you’re responsible for checking the amounts and for the real-world payments you make.
Some features read an image for you: scanning a receipt, or reading a transfer screenshot. These are a starting point you confirm and correct, never a verification. Marking a transfer as proof does not mean we checked that it happened.
Estimates, not advice
Runway, free-to-spend, affordability and retirement projections are estimates calculated from what you enter. They are not financial advice, and we are not licensed to give any. Decisions about your money are yours.
What it costs
Splitting bills is free, and stays free. Recfinly Plus is an optional subscription that adds extra features; you will always see the price and what it includes before anything is charged, and nothing is charged without you choosing it.
If you subscribe through an app store, that store handles the payment, the renewal and any refund, under its own rules — cancel there and it stops at the end of the period you have paid for. If you subscribe on the web, the same applies through our card processor. Either way the free version keeps working, and your data is yours whether you pay or not.
The service is provided as-is
Recfinly is provided “as is,” without warranties. We’ll do our best to keep it running and to protect your data, but we can’t promise it will be uninterrupted or error-free.
Changes
As the app grows, these terms may change. We’ll post the current version here and, for meaningful changes, let account holders know.