Zplit Terms and Conditions

Last updated: April 17, 2026

These Terms and Conditions (“Terms”) govern your access to and use of Zplit (“Zplit,” “we,” “our,” or “us”), including our website, application, and related services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Who we are

Zplit is a platform that helps teams and collaborators configure payment splits and automate payouts through third-party payment providers such as Stripe and Stripe Connect. Zplit does not process payments directly, hold customer funds, act as a bank, or serve as an escrow provider. Zplit is operated from the State of Florida, United States. If you have questions about these Terms, you can contact us at:

Email: support@zplit.us

2. Eligibility

To use the Services, you must:

• be at least 18 years old, or the age of majority in your jurisdiction; and

• have the legal capacity to enter into a binding agreement.

If you use the Services on behalf of a company or other legal entity, you represent and warrant that you are authorized to bind that entity to these Terms. In that case, “you” and “your” refer to that entity.

3. Acceptance of Terms

By accessing or using the Services, including by:

• visiting our website,

• creating an account,

• configuring splits,

• inviting collaborators, or

• connecting a Stripe account,

you agree to these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms or the Privacy Policy, you must not use the Services.

4. Accounts and security

To use certain features of the Services, you may need to create an account or sign in through a supported authentication method. You agree to:

• provide accurate, current, and complete information;

• keep your login credentials secure and confidential;

• promptly update your account information if it changes; and

• notify us immediately if you suspect unauthorized access to your account.

You are responsible for all activity that occurs under your account. We may suspend or terminate your account if we believe you have violated these Terms or used the Services in an unlawful, abusive, deceptive, or unauthorized manner.

5. Relationship with Stripe and other payment providers

Zplit integrates with third-party providers such as Stripe to facilitate payment processing, connected account onboarding, and payout routing. By using Zplit with Stripe or another payment provider, you acknowledge and agree that:

• client payments are processed by Stripe or another provider, not by Zplit;

• payouts are initiated through Stripe or another provider based on the split configuration you define in Zplit;

• your use of Stripe’s services is subject to Stripe’s own terms, policies, and requirements;

• you are responsible for completing any required onboarding, identity verification, KYC, or KYB processes imposed by Stripe or another provider; and

• Zplit provides payment orchestration and workflow logic, but does not own, control, or custody your funds.

Zplit is not responsible for downtime, delays, verification requirements, restrictions, holds, reserves, or errors caused by Stripe or any other payment provider.

6. How Zplit works

Zplit allows you to:

• create a split for a client payment,

• assign collaborator percentages,

• generate a payment flow or payment link through Stripe,

• and have payouts routed automatically to connected collaborators based on the split configuration and available funds.

You are solely responsible for:

• ensuring that split percentages are correct and reflect the actual agreement between you and your collaborators;

• making sure collaborator email addresses are entered correctly;

• communicating commercial terms to your collaborators and clients;

• confirming that your collaborators complete any required onboarding; and

• ensuring your use of the Services complies with applicable law and your own contractual obligations.

Zplit does not verify, enforce, or adjudicate the underlying agreements between you, your collaborators, or your clients.

7. Fees and pricing

7.1 Zplit fee

Zplit currently charges a platform fee of 2% of each client payment processed through the Services, unless otherwise agreed in writing. We may update our pricing in the future. If we do, we may provide notice through the website, the platform, or email. Continued use of the Services after a pricing change becomes effective constitutes your acceptance of the updated pricing.

7.2 Payment processing fees

Third-party payment providers such as Stripe charge their own processing fees on transactions. These fees are set and collected by those providers, not by Zplit, and may vary depending on payment method, geography, account configuration, or other factors. You are responsible for understanding and accepting all applicable third-party payment processing fees.

7.3 Fee allocation

You are responsible for deciding how platform and payment processing fees are handled in your pricing. You may:

• absorb those fees yourself,

• build them into the amount you charge your client.

Payouts processed through Zplit are distributed after applicable platform and payment processing fees. The organizer remains responsible for how those fees are reflected in the commercial arrangement with collaborators and clients.

Zplit does not control or determine the commercial agreement between you, your collaborators, and your client.

8. Refunds

The organizer is solely responsible for the underlying client relationship and for determining whether a refund is appropriate. Zplit does not decide whether a refund is owed and is not responsible for the quality, delivery, timing, or outcome of any product or service provided by the organizer or collaborators. Zplit may, in its sole discretion, facilitate a refund through the original payment flow upon the organizer’s written request, but Zplit is under no obligation to approve or process any refund request.

If the organizer requests that Zplit facilitate a refund, the organizer must provide any information or documentation Zplit reasonably requests, which may include:

• the split ID, client name, and refund amount;

• the reason for the refund;

• confirmation that the organizer is authorized to request the refund; and

• if applicable, evidence that the client requested the refund.

If Zplit approves and facilitates a refund, the refund will generally be processed in full to the original payer through the original payment flow, unless otherwise required by law or explicitly agreed in writing.

You acknowledge and agree that:

• Stripe and other payment providers may retain non-refundable processing fees;

• Zplit’s platform fee and other transaction-related amounts may not be recoverable after a refund;

• any non-refundable fees, reversal shortfalls, charge-related losses, or other unrecoverable amounts arising from a refund remain the responsibility of the organizer; and

• Zplit may bill the organizer for such amounts and may require reimbursement before or after processing a refund.

Where a refund affects a split that has already triggered collaborator payouts, Zplit may initiate or facilitate reversal of previously distributed amounts through Stripe or the relevant payment provider, subject to that provider’s capabilities and rules. Any responsibility for recovering amounts from collaborators remains solely with the organizer.

Zplit may delay, condition, decline, or refuse any refund request where fraud, abuse, insufficient authorization, missing documentation, elevated risk, or other legitimate business or compliance concerns are present.

Zplit is not responsible for disputes between organizers, collaborators, and clients relating to service quality, delivery, project outcome, refund eligibility, or allocation of financial responsibility among those parties.

9. Taxes and reporting

You are solely responsible for:

• determining the tax treatment of amounts paid, received, or distributed through the Services;

• collecting, reporting, and remitting any applicable taxes; and

• providing any required tax forms or information to collaborators, clients, or tax authorities.

Zplit does not provide tax, legal, or accounting advice and does not withhold or remit taxes on your behalf unless explicitly stated otherwise.

10. Your responsibilities

When using the Services, you agree:

• to use Zplit only for lawful purposes and in compliance with applicable laws and regulations;

• not to use the Services for fraudulent, deceptive, misleading, or unlawful conduct;

• not to impersonate any person or entity or misrepresent your affiliation with any person or entity;

• not to attempt to circumvent security, usage, or platform restrictions;

• not to interfere with the Services or related infrastructure; and

• not to reverse-engineer, decompile, or attempt to access the underlying source code or non-public technology of the Services except where prohibited by law.

  
  

If you invite collaborators, you are responsible for ensuring that they understand how Zplit works and how payout logic applies to them.

11. Intellectual property

The Services, including all software, design, text, graphics, workflows, branding, and other content, are owned by Zplit or its licensors and are protected by intellectual property laws.

Subject to these Terms, Zplit grants you a limited, non-exclusive, non-transferable, revocable license to use the Services solely for your internal business or professional use. You may not:

• copy, modify, adapt, distribute, or create derivative works from the Services;

• use the Services for any purpose other than their intended use; or

• remove, alter, or obscure any proprietary rights notices or branding.

  
  

12. Beta and early access

Some parts of the Services may be offered as beta, preview, or early access features. You understand and agree that such features:

• may be incomplete, modified, suspended, or discontinued at any time;

• may not perform as reliably as fully released features; and

• are provided on an “as is” basis.

We may collect feedback and usage information to improve the Services.

13. No warranties

To the maximum extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise. Without limiting the foregoing, we do not warrant that:

• the Services will be uninterrupted, secure, or error-free;

• payment, payout, or refund operations will always succeed;

• data shown in the dashboard will always be accurate, complete, or current at all times;

• the Services will meet your specific expectations or business needs; or

third-party providers such as Stripe will continue to operate in a particular manner.

14. Limitation of liability

To the maximum extent permitted by law, Zplit and its affiliates, officers, directors, employees, contractors, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business opportunity, goodwill, use, or data, arising out of or related to:

• your access to or use of the Services, or inability to use the Services;

• any act or omission of Stripe or another payment provider;

• disputes between you and your collaborators or clients;

• unauthorized access to or use of your account or data; or

• errors, delays, interruptions, or outages affecting the Services.

In no event will Zplit’s aggregate liability arising out of or related to the Services or these Terms exceed the greater of:

• the total Zplit fees paid by you in the 3 months preceding the event giving rise to the claim; or

• USD $100.

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.

15. Indemnification

You agree to indemnify, defend, and hold harmless Zplit and its affiliates, officers, directors, employees, contractors, and licensors from and against any claims, liabilities, losses, damages, judgments, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• your use of the Services;

• your violation of these Terms;

• your violation of applicable law;

• disputes involving your collaborators or clients; or

• any split, payout, fee, or refund arrangement you configure or communicate.

  
  

16. Termination

You may stop using the Services at any time. We may suspend, restrict, or terminate your access to the Services, in whole or in part, at any time, including if:

• we believe you have violated these Terms;

• we detect suspicious, abusive, or unlawful activity;

• we are required to do so by law, regulation, court order, or payment provider requirement; or

• we discontinue all or part of the Services.

  
  

Upon termination:

• your right to use the Services will end immediately;

• we may retain certain data as required or permitted by law and our Privacy Policy; and

• provisions that by their nature should survive termination will continue to apply.

  
  

17. Changes to the Services or Terms

We may modify, suspend, or discontinue all or part of the Services at any time. We may also update these Terms from time to time. When we do, we will revise the “Last updated” date above and may provide additional notice where appropriate. Your continued use of the Services after updated Terms become effective constitutes your acceptance of them.

18. Governing law and disputes

These Terms and any dispute arising out of or related to them or the Services are governed by the laws of the State of Florida, without regard to conflict of law principles.

You agree that any dispute arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the jurisdiction and venue of those courts. If mandatory local law gives you additional rights or protections, those rights may apply to the extent required by law.

19. Miscellaneous

Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Zplit regarding the Services and supersede prior understandings relating to the Services.

Severability. If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in effect.

No Waiver. A failure to enforce any provision of these Terms is not a waiver of that provision.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction in connection with a merger, acquisition, financing, or sale of assets.

20. Contact us

If you have any questions about these Terms, contact us at:

Email: support@zplit.us