Last Updated: February 10th, 2026
By accessing or using Split (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.
Split provides software that enables you to send and receive payments over the Bitcoin Lightning Network and, when available, participate in Split’s bitcoin rewards program based on spending with participating merchants. Split is not a bank, payment processor, money transmitter, or custodian. Split does not hold, control, or have access to your bitcoin, private keys, or wallet funds.
The Service is non-custodial. You are solely responsible for maintaining control of your wallet, safeguarding your private keys and recovery materials, and confirming payment details before authorizing any transaction. If you lose access to your wallet or keys, Split cannot recover your funds.
Payments initiated through Split occur over the Bitcoin Lightning Network using wallet software and related services. Lightning payments are generally final and irreversible once completed. Split cannot reverse, refund, or cancel any payment.
From time to time, Split may offer a rewards program that distributes bitcoin to eligible users. Rewards are not interest, yield, or a guaranteed benefit. Any rewards are a discretionary distribution by Split, subject to eligibility, availability, and program rules that may change at any time.
Rewards are calculated using your spending with participating merchants during a given period (for example, a calendar month) relative to total participating-merchant spend by all users during that same period. If Split allocates a reward pool for that period, your share may be determined proportionally based on that relative spend. Split may apply minimum thresholds, exclusions, caps, anti-abuse adjustments, or other rules in its discretion.
Split may delay, reduce, withhold, or decline to issue rewards for suspected fraud, abuse, attempted manipulation, prohibited activity, chargeback-style disputes (where applicable), sanctions concerns, or to comply with legal obligations. Split may pause or end the rewards program at any time, with or without notice.
Split identifies participating merchants using receiving public keys or other technical identifiers (for example, Lightning node or invoice-related keys) that Split maintains in its database. When you make a payment, Split may compare the payment’s receiving identifier to its participating-merchant list to attribute that spend for rewards purposes.
Split does not control merchant pricing, goods, services, or fulfillment. Any dispute regarding a purchase must be resolved directly between you and the merchant. Split does not provide refunds or chargebacks and does not mediate disputes as a required service.
You are responsible for any network fees, routing fees, miner fees, or other costs associated with Bitcoin and Lightning transactions. Bitcoin is volatile. The fiat value of any rewards (if issued) may change significantly before or after distribution.
You are solely responsible for determining and satisfying any tax obligations related to your use of the Service, including receiving bitcoin rewards. Split does not provide tax advice.
You may not use the Service for unlawful, fraudulent, abusive, or harmful activity, including attempting to manipulate rewards, evade restrictions, or interfere with the Service’s normal operation. Split may suspend or terminate your access for prohibited activity or to mitigate risk.
Split collects limited data necessary to operate the Service and the rewards program, which may include Lightning payment metadata such as amounts, timestamps, and whether a payment matches a participating merchant identifier. Split is not a blockchain analytics service and does not attempt to deanonymize users.
Split does not require government-issued identity verification for basic use of the Service. Split does not intentionally track user-to-user payments for rewards purposes. For more details, please review Split’s Privacy Policy.
Split may suspend or terminate access to the Service at any time if you violate these Terms, engage in harmful conduct, attempt to abuse rewards, or if your use poses risk to Split, other users, or third parties.
The Service is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. Split does not guarantee uninterrupted access, successful routing, payment completion, or rewards availability.
To the fullest extent permitted by law, Split is not liable for lost funds, lost private keys, failed or misrouted payments, service interruptions, rewards not issued or reduced, merchant disputes, wallet software failures, or network outages.
Split may modify the Service, the rewards program, or these Terms at any time. Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the District of Columbia, without regard to conflict of law principles.
Email: taylor@split-loyalty.com
Split is based in Washington, DC.