USER TERMS OF SERVICE
Last updated: 2 March 2026
These Terms of Service (the “Terms”) apply when you access, use or interact with SPLIT and our consumer services, including our website, our web-based application SPLIT (hereinafter, SPLIT web app or SPLIT) and other online services that we provide to you as described in these Terms (collectively, the “User Services”).
These Terms, together with our Privacy Policy form an agreement between G & H TRANS LOGISTIC LLC, a company registered in the Republic of Armenia, operating the SPLIT digital payment platform under the trade name “SPLIT” (hereinafter “SPLIT” or “we”) and you as a customer of an Establishment (a restaurant or hospitality venue that has entered into a services agreement with SPLIT) and/or user of the User Services on the other hand (“you”) and represent the terms and conditions of your access to and use of the User Services.
Any use of the User Services involves your prior express unreserved acceptance of the Terms. If you don’t agree to the Terms, you may not use the User Services.
From time to time, we may amend the Terms, primarily to comply with any developments of the SPLIT web app or any legal or technical developments. Where required by applicable law or where changes are material, we will notify you by email prior to the changes taking effect. Any revised terms or policies will also be made available on our website. It is your responsibility to check that you have read and agree with the latest version of the Terms before using the User Services.
Section 1 – User Account
The creation of a user account on the SPLIT web app (the “User Account“) is not mandatory to make payments within SPLIT.
When you use some of the User Services, for example if you make a SPLIT payment using Apple Pay, Google Pay or if you request an online receipt after paying, some of your information is stored by SPLIT. As an example, the details of your email address are stored to identify and deliver your online receipt after your payment is confirmed.
By using the User Services, you confirm that you are at least 18 years of age.
Section 2 – Using SPLIT and the User Services
By either displaying our QR codes or by implementing our solutions anywhere in your customer journey, an Establishment may allow you to benefit from some or all of the User Services, which include, but are not limited to, the ability to:
access a menu of items and place an order;
access the bill in real time;
pay the bill quicker without waiting for the server and/or queuing at the point of sale;
obtain an electronic receipt of a payment transaction;
leave a review of the Establishment.
SPLIT does not act as a payment service provider. Payments are processed by Ameriabank acting as payment service provider. SPLIT provides the technology interface that connects you to that service.
2.1 Pay the bill quicker without waiting for the server and/or queuing at the point of sale
You may pay all or part of the bill within SPLIT, whether an order was placed via SPLIT or directly with the staff of the Establishment. Your bill can be accessed by scanning a QR Code. You are solely responsible for checking the details of the bill and to ensure that they are correct before you pay.
Payments within the User Services are primarily processed through the Ameriabank secure hosted checkout (vPOS), and by using the service, you agree to comply with Ameriabank’s payment terms and conditions.
Payment of bills is made available by means authorised by the Establishment, which, depending on the markets, may include debit/credit card, online payment or meal vouchers.
By paying a bill, you agree to provide accurate information and to comply with the terms and conditions of your payment providers (credit card providers, prepaid corporate services, online payment systems, etc.) (if applicable). We will not be held responsible for your failure to comply with any of these obligations.
Once the bill is paid within SPLIT, all of the following information is provided to the relevant Establishment: date and time of payment, amount to be paid. In some cases, your email address will also be shared with the relevant Establishment, in line with our privacy policy. You can access your electronic receipt by choosing to provide an email address to which your electronic receipt will be delivered (your email is requested after payment confirmation).
Once a payment is authorized within the SPLIT web app, it cannot be cancelled or reversed through the SPLIT interface. For any refunds related to the quality of products or services provided by the Establishment, you must contact the Establishment directly
In case of failure of payment within SPLIT, the payment of the bill will have to be done directly with the Establishment.
2.2 Leave a review
You have the option to leave comments, testimonials, and satisfaction ratings about the Establishment, the quality of its products, and its service. These may be accessed by the relevant Establishments, and you also have the option to make them public. You hereby agree not to enter any content that is defamatory, derogatory, insulting, hateful or terrorist in nature, towards us, the Establishment, their staff or customers, or third parties, or that is likely to offend public order or morality or contravene the legal and regulatory provisions in force.
SPLIT reserves the right to eliminate any content that does not follow the guidelines listed on this section. No compensation will be provided to you in exchange for submitting your review.
Section 3 – Terms of Use of the SPLIT web app and the User Services
Use of SPLIT requires a smartphone and an Internet connection. In order to ensure proper functioning of the SPLIT web app, it is optimised for the latest versions of Android or iOS. All hardware and software necessary to access SPLIT and use the User Services is at your expense.
Do’s and Don’ts of Using SPLIT. You agree to use SPLIT and the User Services in a fair manner, in accordance with their purpose, the applicable legal and regulatory provisions and these Terms.
In this respect, you agree not to, in particular:
reverse engineer, decompile, disassemble, decipher or otherwise attempt to obtain the source code of any proprietary material used to provide all or any part of the User Services on the SPLIT web app;
use any manual or automated software or devices, robots or other means to access, explore, retrieve or index any page of SPLIT web app;
endanger or attempt to endanger the security of our sites or applications, including attempts to monitor, scan or test the vulnerability of any system or network or to breach security or authentication measures without express prior authorisation;
infringe or use any of our intellectual property rights;
simulate the appearance or operation of our sites or applications, for example by using a mirror effect;
directly or indirectly disrupt or interfere with the SPLIT web app or the User Services, or impose a disproportionately large load on SPLIT’s infrastructure or attempt to transmit or activate computer viruses through or on the web application.
Section 4 – Intellectual Property Rights
4.1 SPLIT holds all rights, including intellectual property rights, and authorisations, relating to all content of the SPLIT web app the User Services, including designs, text, graphics, images, photographs, illustrations, visuals, videos, information, logos, trademarks, designs, button icons, software, databases, audio files and other.
4.2 SPLIT grants you a limited, revocable, non-exclusive, non-transferable and strictly personal right of access to the SPLIT web app and the User Services. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material related to the SPLIT web app or the User Services. Your use of the User Services and features of the SPLIT web app does not entitle you to claim any intellectual property rights of any kind on all or part of them, no assignment or licence being granted to you beyond the right of use provided herein.
4.3 Our name, the term “SPLIT,” our logo and all related names, logos, product and service names, designs, and slogans are trademarks of SPLIT or its affiliates or licensors. You must not use such marks without the prior written permission from us. All other names, logos, product and service names, designs, and slogans found in the SPLIT web app or the User Services are the trademarks of their respective owners. Any use of all or part of the aforementioned elements, without our express, prior and written authorization and/or that of the Establishments, is strictly forbidden, under penalty of criminal and civil proceedings, subject to the exceptions provided for by the law and regulations in force.
Section 5 – Liability
5.1 The conditions for the realisation of the orders (placing, follow-up, execution) are under the sole responsibility of the Establishment.
The Establishments are required to perform their obligations in compliance with the applicable legal and regulatory conditions. We cannot be held responsible for acts or omissions outside of our control, in particular, for the failure of the Establishments by not complying with their obligations, for any damage caused to you by the products of the Establishments or to any third party, including in particular in the event of intoxication, for any prejudice resulting from your fault or that of an Establishment, or from an event attributable to a third party or to a case of force majeure.
5.2 The information relating to the Establishments (menus, allergens, product availability and any other offers, graphics and photographs illustrating the products of the Establishments, link to a third party site set up by the Establishment) has been communicated by the Establishment where the order is placed, under its sole responsibility. We specifically disclaim liability for any synchronization errors or inaccuracies originating from the Establishment’s point-of-sale (POS) system, such as iiko. We do not verify or control this information. We cannot guarantee that this information is complete and up-to-date. It is your responsibility to request any confirmation or additional information directly from the Establishment.
5.3. You are solely responsible for the consequences of your use of the SPLIT web app and of the User Services. You are responsible for ensuring that your use of the SPLIT web app and the User Services complies with the legal and regulatory provisions in force as well as with the Terms. We do not give you any guarantee in this respect.
You are also solely responsible for the reviews you may leave on SPLIT.
5.4 You are reminded that the reviews you publish are public and communicated to the Establishments, which you accept.
5.5 In any event, under no circumstances shall we be liable for any indirect or consequential loss or damage to you or any third party, including without limitation any lost profits, inaccuracy or corruption of files or data or loss of opportunity in connection with the Terms on any basis whatsoever.
5.6 We will not be liable for any breach of these Terms caused by events, circumstances or causes beyond our reasonable control.
5.7 We try to keep the SPLIT web app available at all times, but, of course, due to the inherent nature of internet-based services, we cannot guarantee this. We do not guarantee the availability of any particular functionality or feature of the SPLIT web app. You are aware of the technical hazards and access interruptions that may occur on the SPLIT web app. Consequently, we cannot be held responsible for the unavailability or slowdown of the User Services and/or the SPLIT web app.
Section 6 – General
6.1 If any provision of these Terms is found unenforceable, that provision will be severed and not affect the validity and enforceability of any remaining provisions. These Terms (including the terms they refer to) make up the entire agreement between you and us regarding SPLIT, and supersede any prior agreements. These Terms do not create or confer any third-party beneficiary rights.
6.2 These Terms shall be exclusively governed by and construed in accordance with the laws of the Republic of Armenia.
6.3 In the event of any dispute or claim relating to the Terms, including without limitation, their formation, validity, interpretation, performance and/or resolution, you and we agree to seek in good faith, an amicable solution. In the absence of an amicable agreement within thirty (30) days following notification of the dispute by the most diligent party by registered letter with acknowledgement of receipt or by email to armankarapetyan@splitapp.info, any dispute between the Parties will be subject to the exclusive jurisdiction of the competent courts in Yerevan, Republic of Armenia, subject to the mandatory provisions applicable when you are a consumer.
6.4 When you are a consumer, and in case of a complaint not resolved amicably with us, you can submit the dispute to a consumer mediator. Consumer mediation is available to any person who has a dispute with a professional who has sold him a product or provided a service. Mediation is a method of amicable dispute resolution, free for the consumer and confidential. We will endeavour to respond to any complaint or support query submitted to us within five (5) business days of receipt.