Last Updated: December 19th, 2025
By accessing or using Split, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you may not use the Service.
Split provides software that enables users to initiate and receive payments over the Bitcoin Lightning Network and to participate in merchant-offered rewards and promotions. Split is not a bank, payment processor, money transmitter, or custodian and does not hold, custody, control, or transfer bitcoin or any other funds on behalf of users.
These Terms apply differently depending on how you use the Service:
Some users may act as both Customers and Merchants.
Payments initiated through the Service occur over the Bitcoin Lightning Network using third-party wallet software (including the Breez Spark SDK). Lightning invoices may be generated by merchants for payments they request, or by user wallet software for user-initiated payments. Split does not create, modify, validate, or guarantee invoices.
Lightning Network payments are final and irreversible once completed. Split cannot reverse, refund, or cancel any payment.
Any network fees or routing fees are determined and collected by the Lightning Network and wallet software. Split does not set, add, or collect payment fees.
Split does not hold private keys, custody bitcoin, control wallets, or guarantee payment routing or completion. You are solely responsible for your wallet software, private keys, and verifying payment details before authorizing any transaction. Split cannot recover lost wallet keys or reverse Lightning payments.
If you use the Service as a Customer, you are responsible for verifying invoices, amounts, and recipients before authorizing payments. Split does not provide refunds or chargebacks. Disputes must be resolved directly with the counterparty, although Split may attempt to mediate at its discretion.
If you use the Service as a Merchant, you are solely responsible for generating accurate Lightning invoices, including amounts and descriptions. Split is not responsible for incorrect or misleading invoices.
Rewards and Promotions. If you create, advertise, or offer rewards through the Service, you agree to make commercially reasonable, good-faith efforts to honor any valid reward properly claimed by a Customer in accordance with the terms you defined for that reward.
Repeated failure to honor valid rewards, deceptive reward practices, or conduct that materially undermines customer trust may, at Split’s sole discretion, result in suspension or permanent removal from the platform. Split cannot force refunds or reverse payments; any refund or compensation is solely at the Merchant’s discretion.
Rewards offered through the Service are promotional in nature, have no cash value, and are subject to change or removal by the Merchant. Split does not guarantee reward availability or fulfillment and is not liable for unfulfilled or modified rewards.
You agree not to use the Service for any unlawful, fraudulent, or abusive purpose, including but not limited to activities that violate applicable local, state, federal, or international laws or regulations.
Any use of the Service in connection with illegal activity is strictly prohibited and may result in immediate suspension or permanent removal from the platform, at Split’s sole discretion.
Split collects limited information necessary to operate the Service, including payment amounts associated with registered merchant transactions and confirmation that a transaction involved a registered merchant public key. Split does not collect personal identity information such as names, emails, or banking details. Split currently uses data only for internal analytics.
Please review our Privacy Policy for more details.
Split may suspend or terminate access to the Service at any time, with or without notice, if we believe a user or merchant violates these Terms, engages in illegal, deceptive, or harmful conduct, or poses risk to the platform or other users.
The Service is provided on an “as is” and “as available” basis without warranties of any kind, express or implied.
To the maximum extent permitted by law, Split shall not be liable for lost funds, failed or misrouted payments, unfulfilled rewards, wallet software failures, network outages, routing issues, or third-party actions beyond Split’s control.
These Terms are governed by the laws of the District of Columbia, without regard to conflict of law principles.
Any disputes arising from these Terms shall be resolved through binding arbitration or other dispute resolution mechanisms specified by Split, unless prohibited by law.
Split may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
Email: taylor@split-loyalty.com
Split is based in Washington, DC.