Bill Merger
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Terms and Conditions

1. Acceptance of Terms

By accessing or using Bill Merger ("the Service"), you agree to be bound by these Terms and Conditions. If you do not agree, you may not use the Service.

If you create an account, you confirm that you have read and accepted these Terms.

2. What the Service Does

Bill Merger is a tool designed to assist users in splitting and managing household expenses. The Service uses AI-powered parsing to extract data from bills and generate invoices based on user input.

The Service is provided as a convenience tool. It is not a bank, payment processor, accounting firm, or debt collection service.

3. Eligibility and Accounts

  • You must provide accurate information when creating an account and keep it up to date.
  • You are responsible for maintaining the confidentiality of your login credentials.
  • You are responsible for activity that occurs under your account.

4. Your Inputs and Content

When you use the Service, you may provide content such as bill emails, attachments, descriptions, amounts, and member information. You represent that you have the right to provide that content and that doing so does not violate any law or third-party rights.

You are responsible for the content you submit and for ensuring it is appropriate to share with your household members.

5. Automated Parsing, Accuracy, and Verification

Invoices, calculations, and itemized bill data generated by the Service are provided for convenience and informational purposes.

  • The Service uses automated extraction (including AI) to read bills, emails, and attachments. Automated parsing can be incorrect.
  • Parsed items may include mistakes (for example, misread amounts, dates, descriptions, currencies, or missing/extra line items).
  • We do not guarantee the accuracy, completeness, or reliability of any invoice or calculation produced by the Service.
  • You are solely responsible for verifying the accuracy of all data, amounts, and splits before sending or paying any invoice.
  • Do not rely solely on the Service for the payment of legal, contractual, or financial obligations.
  • The Service is not a substitute for professional financial or accounting advice.

6. Invoices and Payments

The Service may help you generate and send invoices to household members. You control what gets sent and when. Any payment arrangements are between you and your household members.

You are responsible for confirming the correctness of invoices and ensuring they reflect your real-world agreements.

7. Acceptable Use

You agree not to misuse the Service. For example, you will not:

  • Use the Service for unlawful, deceptive, or abusive activities.
  • Attempt to interfere with or disrupt the Service, security features, or access controls.
  • Upload malware or attempt to gain unauthorized access to accounts or systems.
  • Use the Service to send spam or harass household members.

8. Intellectual Property

The Service (including its software, design, and branding) is owned by Bill Merger and/or its licensors and is protected by applicable laws. You may use the Service only as permitted by these Terms.

9. Disclaimers

The Service is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, Bill Merger and its operators will not be liable for any damages arising out of or in connection with your use of (or inability to use) the Service. This includes, but is not limited to:

  • Errors, omissions, or inaccuracies in invoice generation or automated bill parsing.
  • Any decisions or actions taken based on invoices, calculations, or parsed data generated by the Service.
  • Loss of data, loss of profits, loss of revenue, or loss of business opportunities.
  • Indirect, incidental, special, consequential, or punitive damages.
  • Disputes between household members or roommates regarding splits and payments.

Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, some of the above limitations may not apply.

11. Your Responsibilities

You agree to use the Service in compliance with all applicable laws. You are responsible for maintaining the security of your account and for all activities that occur under your account.

12. Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Bill Merger and its operators from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your content, or your violation of these Terms.

13. Termination

We may suspend or terminate access to the Service if we believe you have violated these Terms or if necessary to protect the Service. You may stop using the Service at any time.

14. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Your continued use of the Service following any changes indicates your acceptance of the new terms.

15. Contact

If you have questions about these Terms, contact us at business@bill-merger.co.

Last Updated: January 10, 2026