1. Definitions
Platform means 2Divide, including the service provided through the official WhatsApp number, the web pages opened from that conversation and the web dashboard. Split means the virtual group created on the platform to record shared expenses. Organizer means the person who creates and manages a split. Participant means a person who joins a split by invitation. Creditor means the participant with an amount to receive; debtor means the participant with an amount to pay.
2. Acceptance, capacity and sign-up
Using the platform requires you to be at least 18 years old and legally capable. You accept these terms when you start a conversation with the official number, create a split, join a split by invitation or use the web dashboard.
You are identified by the phone number associated with your account. You are responsible for keeping control of that number and for reporting any misuse immediately.
3. What the platform does
2Divide provides tools to create splits, invite participants, record expenses and attachments, apply splitting rules, calculate balances, simplify the network of debts, make available the payout details provided by creditors, send payment reminders, record proofs and confirmations, and close the split with a report.
The platform acts as a record and organizer of information supplied by the users themselves.
4. What the platform does not do
- It is not a bank, financial institution, payment institution, broker or asset manager.
- It does not receive, hold, intermediate or transfer amounts between participants.
- It does not grant credit, loans, guarantees, insurance or advances.
- It does not guarantee that a debtor will pay, and is not liable for any participant's default.
- It does not verify the authenticity of proofs of payment uploaded by users.
- It does not provide financial, accounting, tax or legal advice.
5. Splits, invitations and participants
The organizer creates the split, defines its rules and invites participants by link, QR code or code. On joining, the participant agrees that their participation information — name or nickname, expenses, share of each expense and balances — is visible to the other members of that split, as described in the Privacy Policy.
You must only invite people who genuinely take part in the expense and who consent to receiving messages from the platform. By sharing an invitation, you state that you have that authorization.
The organizer may include dependants linked to a financially responsible person. That person is liable for the amounts assigned to their dependants.
6. Records, calculations and responsibility for content
All data on expenses, amounts, participants, currencies and rules is supplied by users. The platform's calculations reflect exactly that data. 2Divide does not verify whether an expense actually occurred, whether the amount is correct or whether the split agreed between people is fair.
Automated features for reading receipts, audio and text are assistive and may contain inaccuracies. Extracted data is presented for your confirmation before being recorded, and reviewing it is your responsibility.
Currency conversions use the rate available at the time of recording or the rate you enter, and serve as a reference for splitting — not as an exchange rate for a financial transaction.
7. Payments between participants
Payments happen outside the platform, directly between debtor and creditor, using whatever method they choose — instant payment, bank transfer, digital wallet or any other mechanism available in their country. The creditor is responsible for entering their payout details correctly; 2Divide merely passes on to the debtor what was entered.
The flow for clearing a debt is: the debtor reports the payment and may attach proof; the creditor confirms receipt; only after that confirmation is the obligation closed on the platform. Until the creditor confirms, the status remains pending.
2Divide is not a party to the credit and debit relationship between participants and is not liable for payments made to incorrect details, divergent amounts, chargebacks, fraud committed by a participant or failures of a financial institution.
8. Chasing and reminders
The platform may send automatic reminders about outstanding balances, always in a private conversation with the participant. We do not expose debtors in group chats. A participant may ask for reminders on a specific split to be paused, without that changing or extinguishing the recorded debt.
Reminders are informational and organizational. 2Divide does not carry out judicial collection, credit-bureau reporting, protest or debt recovery activities.
9. Objections and disputes between participants
Each participant may approve, question or dispute an entry, attach a justification and request a correction. The platform records the history of those statements and keeps the audit trail.
Disagreements about amounts, participation in expenses or payments are resolved between the participants themselves. 2Divide does not decide disputes, does not arbitrate conflicts and does not determine who is right.
10. Tiers, per-split payment and duration
The platform offers three tiers per split — Free, Standard and Premium — as described on the Pricing page. The tier belongs to each split and not to the user account: you may keep Free, Standard and Premium splits at the same time. The Free tier allows one new split every 90 days. Standard and Premium are one-off purchases per split, with no subscription and no credits. As a rule, only the organizer pays; invited participants use the split at no cost and never need to pay to join, log expenses, pay, dispute or confirm a payment.
The price of each purchase depends on the tier, the number of charged participants and the duration bought. Buyers in Brazil pay in Brazilian reais and all other buyers pay in US dollars, based on the billing country and payment method used. Current amounts are: Standard US$ 2.90 (R$ 9.90) and Premium US$ 5.90 (R$ 19.90) per 30 days, for up to five participants including the creator; each extra participant costs US$ 1.90 (R$ 4.90) on Standard and US$ 3.90 (R$ 9.90) on Premium per 30 days; the 365-day annual package costs US$ 29.00 (R$ 99.00) on Standard and US$ 59.00 (R$ 199.00) on Premium, with extra participants at US$ 19.00 (R$ 49.00) and US$ 39.00 (R$ 99.00). The total amount is shown before payment. There is no mandatory subscription, no credits and no auto-renewal: each purchase covers the period bought, and any new charge requires an explicit action by you.
What a purchase grants is active time for new operations. While the split is active you may record expenses, add participants within the capacity bought and create as many periodic settlements as needed, with no charge per settlement. Once the period expires the split moves to consultation and settlement only: history, reports, exports, payment reporting, receipt confirmation and partial payments remain available at no further charge, and automatic reminders continue for up to 60 days. Extending before expiry preserves the remaining days; reactivating later starts a new period from payment confirmation, with no retroactive charge. Adding a participant during a period in progress and upgrading from Standard to Premium are charged in proportion to the time left, and the upgrade charges only the applicable difference.
Prices may change, with prior notice, and changes do not affect purchases already confirmed. While a payment is not confirmed the entitlement is not activated and the split keeps its previous state. If a paid operation fails through our fault, it is reprocessed or the amount is refunded through the same payment method.
11. Right of withdrawal and refunds
Under the Brazilian Consumer Protection Code, you may withdraw from a purchase within seven calendar days of it by requesting cancellation through the official channel. The refund is full, through the same payment method, where the period bought has not been used, and proportional to the time already enjoyed where the split has already operated under the purchased entitlement.
12. Product evolution
The platform is publicly available and evolves continuously: features may be added, changed or removed and fair-use limits may be adjusted. The smart automation features of the Premium tier have configurable processing limits — for example, number of receipt readings, file size and audio length — shown in the interface itself. We recommend checking balances before closing a split and exporting the final report.
We will announce relevant changes to functionality or limits through the official channel, with reasonable notice.
13. Permitted use
You agree not to use the platform to: record false information; charge people who did not take part in the expense; send unsolicited messages or bulk invitations; harass, threaten or embarrass another participant; launder money, commit fraud or carry out any unlawful activity; circumvent tier limits; or perform reverse engineering, data scraping, unauthorized automation or improper access to third-party accounts.
Non-compliance may lead to suspension or termination of access, without prejudice to applicable legal measures.
Permitted media. The platform accepts images and PDFs on every tier, and audio only in Premium splits, within the technical limits shown. Video is never accepted: sending, attaching, storing, forwarding or processing video files is not permitted on any tier or channel. Video files are rejected in the interface and on the server and are not stored beyond what is strictly necessary for the technical rejection and the security log.
14. Intellectual property
The 2Divide brand, logo, visual identity, texts, software and platform structure belong to DIGITO7 TECNOLOGIA LTDA and are protected by law. Using the platform does not transfer any intellectual property rights.
The data and content you upload remain yours. You grant 2Divide a limited licence to store, process and display that content to the participants of the split, solely to operate the service.
15. Availability, channels and support
The platform depends on third-party services, including the messaging platform used as its main channel, cloud providers, intelligent processing providers and payment providers. Outages, policy changes or technical limitations at those third parties may temporarily affect how features work.
2Divide does not guarantee uninterrupted availability and may carry out scheduled maintenance. Support is provided through the official WhatsApp number and the contact e-mail address, on business days.
16. Limitation of liability
To the fullest extent permitted by applicable law, 2Divide is not liable for losses arising from: incorrect information supplied by users; default, refusal to pay or conduct of any participant; payment made to incorrect details; false or altered proof of payment; unavailability of third-party services; and use of the platform in breach of these terms.
Where 2Divide is found liable, that liability is limited to the amount you actually paid to the platform in the twelve months preceding the event, without prejudice to the rights set out in the Brazilian Consumer Protection Code.
17. Closing accounts and splits
You may close your account at any time through the official channel. Balances recorded in active splits do not cease to exist because the account was closed: they remain an obligation between the people involved, outside the platform.
We may suspend or terminate access in the event of a breach of these terms, well-founded suspicion of fraud, an order from a competent authority or discontinuation of the service, with prior notice where possible.
18. Privacy and data protection
The processing of personal data is described in the Privacy Policy, which forms part of these terms. By using the platform, you state that you have read that document.
19. Changes to these terms
These terms may be updated. The date of the last update appears at the top of this page, and relevant changes will be announced through the official channel before they take effect. Continued use after they take effect represents agreement with the new version.
20. Governing law and jurisdiction
These terms are governed by the laws of the Federative Republic of Brazil. The courts of the District of São Paulo / SP are elected to settle disputes, except that, in a consumer relationship, the consumer may bring proceedings in the courts of their own domicile.