Nauro Terms of Service

1. About Nauro and these Terms

These Terms of Service (“Terms”) are between you and Nauro LLC (“Nauro,” “we,” “our,” or “us”). They govern Nauro Split, nauro.app, and the related features, beta programs, and support services that present these Terms (the “Services”).

You agree to these Terms when you indicate acceptance in an account, purchase, or other service flow that clearly presents them. If you do not agree, do not complete that flow or use features requiring agreement. Merely receiving or viewing a shared bill does not establish that you agreed to its amounts or authorized a payment.

Our Privacy Policy explains how personal information is handled. A privacy notice is not blanket permission for unrelated processing. Additional product or offer terms apply only when they are clearly presented with the relevant feature; they control an actual conflict for that feature, subject to rights the law does not allow us to limit.

2. Eligibility and your account

At initial launch, Nauro accounts and app services are offered to United States residents aged 18 or older who can enter a binding contract. Eligibility is based on residence, not your current physical location. Eligible U.S. residents may continue using Nauro while traveling outside the United States, subject to applicable law and provider availability. Some features, including AI scanning, may be unavailable in particular locations. Public information and privacy-request pages remain accessible without meeting account eligibility. You must follow applicable laws and must not use the Services if a legal restriction prohibits us from providing them to you.

Provide accurate account information, keep your sign-in provider and device secure, and tell us promptly if you suspect unauthorized access. You are responsible for activity you authorize and for reasonable steps to protect your account; this does not make you automatically responsible for activity caused by Nauro’s failure to meet its legal obligations.

Do not impersonate anyone, share an account to bypass plan limits, create replacement accounts to evade restrictions, or claim authority to act for someone else without permission. A displayed name, username, selected participant, or linked payment handle is not an identity verification or endorsement by Nauro.

3. What Nauro Split does

Nauro Split is a tool for recording shared expenses, assigning items, calculating shares, organizing people and bills, sharing information, and recording user-reported settlement activity. Features and limits may differ by app version, plan, and supported region.

Nauro does not hold, send, receive, or transfer money between bill participants. It does not provide banking, lending, escrow, debt-collection, financial-advice, tax-advice, or accounting-advice services. A calculation or displayed balance is not Nauro’s determination that a legally enforceable debt exists.

The people involved decide what was purchased, how costs should be shared, whether an amount is owed, and how to resolve disagreements. Nauro does not guarantee collection, repayment, or agreement among participants.

4. Receipt recognition and calculations

Receipt recognition is optional and can misread or omit items, quantities, merchant details, currency, tax, tip, or totals. You can use manual entry instead. When you use scanning, receipt information is processed by Nauro and a third-party AI provider as described in the Privacy Policy and applicable feature disclosures.

Before saving, sharing, or relying on a bill, review the receipt and check all entries, people, allocations, adjustments, and totals. Do not rely on Nauro as your sole accounting record, evidence of payment, or professional advice.

Calculations depend on the information and allocation method selected. Shared amounts are rounded, and remaining cents may be distributed so totals reconcile. A bill can change when an authorized person edits it; review the current version before paying.

Where available, Nauro can display a bill in another currency using a total entered by the payer and a rate calculated from that total. This is an expense-sharing calculation, not an exchange or transfer of money, a live market quote, or independent verification of a card charge. Check the original currency, entered total, calculated rate, and any included fees. Rounded line-item estimates may differ from the allocation of the final total.

5. Payments between people

A supported payment action may open an external app or website with a recipient, amount, or note prepared for you. Check those details and the payment provider’s terms before confirming. Nauro does not execute the transfer, control provider fees or reversals, or guarantee that the recipient or payment destination is correct.

“Marked as sent,” “paid,” “confirmed,” or similar labels reflect the information supplied through the applicable workflow, including a participant’s report or an organizer’s confirmation. They are not independent verification by Nauro that money moved or that an obligation was satisfied.

Raise a calculation or participation issue with the organizer and report a payment problem to the payment provider. Contact Nauro about a software problem or suspected misuse. Nauro support does not adjudicate debts or payment disputes between users.

6. Your content and other people’s information

You retain any ownership rights you have in the information and content you submit, including bills, receipts, and messages. You grant Nauro a nonexclusive, worldwide, royalty-free license to host, reproduce, process, transmit, and display that content only as needed to provide, secure, support, and maintain the Services as described in the Privacy Policy. We may allow providers acting for Nauro to perform those functions on our behalf. This license does not authorize unrelated sale, advertising, or AI-model training uses of your content.

The license lasts only while the content is needed for those purposes, including the limited retention of shared records or copies described in the Privacy Policy. It does not give Nauro a right to retain information beyond those purposes or applicable law. You must hold the rights or permissions needed to grant this license; submitting content does not give you ownership of another person’s material.

You must have the right to submit content and a lawful basis and any necessary permission to provide information about other people. Include only information needed for a genuine shared expense. Tell participants about the information you are sharing, and do not upload unrelated sensitive records or private information to pressure or embarrass someone.

You control whom you send a share link to. A link may expose a participant’s share or a wider bill, and anyone who receives or is forwarded an active link may see the information it permits. Review the scope and receipt visibility before sharing. Revoking a link cannot recall copies, screenshots, or downloads already made.

We may restrict or remove content or links when reasonably necessary to address a legal request, protect privacy or security, or enforce these Terms. Account or content deletion is subject to the shared-history, retention, and provider limitations explained in the Privacy Policy.

7. Acceptable use

You must not:

• Harass, threaten, defame, intimidate, or spam others, including through bills, reminders, names, comments, or payment requests.
• Create fraudulent bills, falsely report payment, impersonate a person or business, or misrepresent your authority.
• Upload unlawful or infringing content or disclose another person’s information without the necessary rights.
• Access another person’s account or private bill without authorization, guess or collect share tokens, or misuse a forwarded link.
• Introduce malicious code, disrupt service, circumvent authentication or access controls, or evade rate limits, subscription rules, or usage caps.
• Scrape personal or bill information, resell access, or use automated access that is not authorized by Nauro.
• Reverse engineer software except to the extent applicable law gives you a right that these Terms cannot restrict.

You may report a vulnerability through our security contact guidance. Use your own accounts and test data, avoid accessing other people’s information, and stop testing if it could cause harm. A report does not itself authorize testing someone else’s account or data.

8. Nauro Pro, trials, cancellation, and refunds

Nauro offers free and paid features. For an app-store subscription, the purchase screen identifies the price, billing period, included features, any trial, and applicable charges. Apple or Google handles payment, and RevenueCat helps Nauro manage access and restoration.

An auto-renewing subscription continues until you cancel through the store that bills you. If a trial or introductory offer converts to a paid subscription, the conversion price, period, and cancellation terms shown at purchase apply. Cancel before the store’s renewal deadline to avoid the next charge.

• On iPhone, use Apple’s subscription settings. See Apple’s cancellation instructions.
• On Android, manage the subscription in Google Play. See Google Play’s cancellation instructions.
• Deleting the app, stopping use, deactivating an account, or deleting an account does not cancel store billing.
• Use the store account associated with the purchase to restore access. If access appears linked to the wrong Nauro account, contact support; restoration does not automatically transfer a purchase between people.

Refund eligibility and processing follow the purchasing store’s rules and applicable law. Cancellation normally stops future renewal rather than automatically refunding prior charges; the store may provide access until the paid period ends. Contact us for help identifying the purchase or correcting a Nauro access issue. Nothing here removes a refund or cancellation right that the law gives you.

Any price, feature, or renewal change will follow applicable notice, consent, and store requirements. We do not treat posting an updated policy as consent to an additional charge. A beta invitation or “coming soon” announcement is not a guarantee of future features, pricing, or a release date.

9. Availability, beta features, and local data

We aim to provide a useful service, but do not promise uninterrupted availability, perfect recognition, compatibility with every device, or error-free operation. Maintenance, updates, provider outages, network problems, and device limitations can affect access.

Beta and sample features may be incomplete or change. Where offered, the website’s interactive sample uses fictional data and does not create a real bill, share link, or payment. Do not enter sensitive information into a sample.

Finished bills can synchronize when your account and connection permit it. Drafts, caches, receipt files, and exports may also be stored locally. A failed sync, device loss, reset, uninstall, or storage cleanup can cause data loss. Keep independent copies of records you need; the current export may not include all local drafts, receipt files, or provider records.

We may change or discontinue features. When a change materially affects a paid service, we will handle notice, continued access, cancellation, or any required remedy under applicable law and the relevant purchase terms.

10. Account deletion, suspension, and termination

You can stop using Nauro and request account deletion in the app or through the account-deletion page. The app’s authenticated request starts a 30-day deactivation and recovery period, followed by background finalization. A request sent through the website’s contact options requires identity verification and follow-up; sending it does not immediately delete an account.

Deletion does not cancel subscriptions, undo transactions made elsewhere, erase another person’s records, or recall information already shared. Some information remains for shared history, security, purchase or usage integrity, requests, or legal reasons as explained in the Privacy Policy. Deactivation revokes Nauro share links controlled by your account. It cannot recall screenshots, downloads, or other copies already shared. You can also revoke supported links while keeping your account.

We may limit access, remove content, suspend an account, or terminate service when reasonably necessary to address a serious or repeated violation, unlawful activity, security risk, harm to others, or a legal requirement. We will provide notice and an opportunity to seek review when reasonable and legally permitted; urgent security or legal circumstances may require action first.

If you believe a restriction is a mistake, contact us and include the account email and a brief explanation. Do not send passwords or private bill links. Termination does not eliminate rights or obligations that by their nature continue, including ownership, lawful retention, accrued payment obligations, liability provisions, and dispute provisions.

11. Nauro’s intellectual property and copyright reports

Nauro and its licensors retain rights in the software, design, branding, and other materials we provide. Subject to these Terms and applicable store rules, you may use the Services for their intended personal expense-organizing purposes. This does not give you ownership of Nauro’s software or permission to use its branding to imply endorsement.

If you believe content infringes your copyright or another right, contact us with your contact information, an identification of the protected work, the content or safe support reference involved, and an explanation of your authority and concern. We may request additional information and take appropriate action. Repeated infringement may result in account restrictions or termination.

12. Third-party services and app stores

Sign-in providers, hosting and AI services, app stores, and payment providers operate under their applicable terms. You must comply with third-party terms that apply to your use. Nauro’s Privacy Policy explains relevant information sharing; these Terms do not override a provider’s obligations or your rights under law.

Software obtained through the Apple App Store is licensed under the Apple Standard End User License Agreement unless its App Store listing expressly identifies a different applicable license. These Terms supplement that license for Nauro’s accounts, hosted services, shared bills, and support; they are not a custom App Store EULA. Where it applies, the Standard EULA controls the software-license scope and permitted app use if these Terms conflict with it. Nothing here restricts rights the applicable app license or mandatory app-store rules give you.

For claims against Nauro concerning the Services, the responsibilities and limits in section 13 apply. Nauro will not invoke a lower liability cap in the Standard EULA to reduce the remedies expressly provided by these Terms. Section 14 addresses disputes between you and Nauro; it does not change terms governing your relationship with Apple or another store. Your store may provide additional cancellation, warranty, or other consumer rights.

Nauro is responsible for the Services and support it is required to provide. Apple and Google do not operate Nauro’s bill-splitting service or resolve disagreements among its participants. Any rights the store has under its applicable license or distribution rules remain in effect.

13. Warranties, responsibility, and limits of liability

Your mandatory consumer rights remain intact. Nothing in these Terms excludes or limits a right, warranty, remedy, or liability that applicable law does not permit us to exclude or limit, including liability for fraud, willful misconduct, or gross negligence where such limits are prohibited. The exclusions and cap below do not restrict nonwaivable statutory damages, attorney’s fees, or other consumer remedies. For Massachusetts consumers, we do not disclaim implied warranties of merchantability or fitness, or limit remedies for their breach, where protected by Massachusetts law.

To the extent permitted by law, the Services are provided “as is” and “as available.” Nauro disclaims implied warranties of merchantability, fitness for a particular purpose, and noninfringement, and does not warrant the accuracy of user content, AI recognition, third-party payment information, or calculations based on incorrect input.

To the extent permitted by law, Nauro is not liable for indirect, incidental, special, consequential, or punitive damages arising from the Services, including lost profits or lost data. Subject to the mandatory-rights limitation above, Nauro’s total liability for claims arising from the Services is limited to the greater of US $100 or the fees you paid for Nauro Services in the 12 months before the event giving rise to the claim, including applicable Nauro subscription fees paid through an app store.

To the extent permitted by law, you are responsible for reasonable losses and costs awarded in a final judgment or included in a settlement you approve, arising from third-party claims directly caused by content you knowingly submitted unlawfully or your intentional misuse of the Services. This does not require you to pay for Nauro’s own negligence or wrongful conduct, advance defense costs, or take over Nauro’s defense. We will give prompt notice of such a claim and a reasonable opportunity to participate in its defense. No settlement may impose a payment, admission, or other obligation on you without your agreement.

14. Disputes and governing law

If you have a dispute with Nauro, contact us with a description and the resolution you seek so we can try to resolve it. This request does not prevent you from seeking urgent relief, filing a timely claim, using small-claims court, or contacting a regulator. It does not pause a legal filing deadline.

Massachusetts law and applicable United States federal law govern these Terms, without applying conflict-of-law rules that would displace that choice, except where mandatory consumer law requires otherwise. A dispute may be brought in a Massachusetts state or federal court with jurisdiction, or another court available to you under nonwaivable applicable law.

Disagreements among participants about expenses or payments are separate from disputes with Nauro. The participants and any external payment provider remain responsible for resolving those matters.

15. Changes and general terms

We may update these Terms. We will publish the new version and effective date and keep a copy of prior published versions. For material changes, we will post a website notice and notify account holders by email or an in-app notice before the changes take effect. If an urgent legal or security requirement requires a sooner change, we will give notice as soon as reasonably possible. Where law or the nature of a change requires renewed agreement, we will present the updated Terms for affirmative acceptance before the affected features can continue. Changes operate prospectively and do not retroactively change an already accrued claim or authorize an undisclosed charge. You can ask us for a prior version through the contact details below.

These Terms and any additional terms you accept for a specific feature form the agreement for those Services. If a provision cannot lawfully be enforced, the remaining provisions continue to the extent possible. A failure to enforce a provision immediately is not a waiver. Neither party may transfer obligations in a way that unlawfully reduces the other party’s rights; Nauro may transfer this agreement with its business subject to applicable law.

Nothing here creates a partnership, employment, or agency relationship between you and Nauro. Any circumstances outside a party’s reasonable control remain subject to mandatory consumer protections and obligations that cannot be excused by contract.

Last prepared: September 13, 2026. The publication status and effective date appear at the top of this page.

16. Contact Nauro

Nauro LLC
Business mailing address
1 Washington Mall #1108, Boston, MA 02108, United States

For privacy, legal, or account-deletion requests, email privacy@nauro.app or use the contact form. You can also use the account-deletion page.

For support or accessibility help, email support@nauro.app. For general inquiries, email hello@nauro.app.