Terms of use

Last updated 23 October 2026

1. What Splitverse is

Splitverse is a marketplace that connects people who pay for family or team subscription plans (“hosts”) with people who want a seat on those plans (“members”). Splitverse is not affiliated with, endorsed by or sponsored by the services listed. Members get access through each provider’s official family or team features or, on plans marked “Shared login”, through a login shared securely in the app. By creating an account you agree to these terms.

2. Your account

• You must be at least 18, use your real name and keep your details accurate. One account can both join and host plans; one person, one account.
• You sign in with a one-time code sent to your email. Keep your email secure and never share your codes. Splitverse will never ask for them.
• Paying for a plan, withdrawing and receiving payouts require identity verification: a bank account in your own name, confirmed with your bank.

3. Joining a plan

• Each month you pay the host’s seat price plus Splitverse’s service fee, on the day the host’s plan renews. If you join part-way through a month, your first payment covers only the days until that renewal day (or, with two days or fewer left, those days and the following month). Any one-time joining fee, and the processing fee for paying by card or bank transfer, are shown before you pay.
• Your payment is held by Splitverse until you confirm access. The host must give you access within 24 hours; if not, everything you paid is credited to your Splitverse wallet.
• Plans renew monthly from your wallet first, and otherwise from your saved card, until you turn renewal off. If the host changes the price, you are told before your next renewal and can turn renewal off.
• To protect members from fraud, how many plans you can hold at once depends on your member level: New accounts up to 4, Verified members up to 8 (after verifying your identity and completing 3 months with no problems), and Trusted members with no fixed limit (after 6 months and more than 20 completed months in good standing). Levels update automatically; a strike, a chargeback or repeated rejected disputes can lower your level. Your current level and limit are shown on your Account page.
• You may cancel any time: turn renewal off and your access continues to the end of the period you paid for. No cancellation fees.

4. Your wallet

• You can fund your wallet by card or bank transfer through our payment partner. The processing fee is charged when you fund; paying for plans from your balance adds nothing extra.
• Refunds are credited to your wallet. Your wallet balance does not earn interest.
• Withdrawals go only to a bank account in your own name, require a verified identity and are checked before they are sent. Withdrawal fees are shown before you confirm and deducted from the amount.
• Payments made from someone else’s bank account or card are returned to the sender and never credited to your wallet.

5. Hosting

• You may list only plans you pay for and are allowed to share under the provider’s terms, and only seats that are empty.
• Each seat may cost at most the plan’s price divided by the number of seats that can be shared on it (the plan’s members, not counting you). Listing is currently free and Splitverse takes no commission: you receive your full seat price, and Splitverse’s service fee is paid by members on top. A bank transfer fee, shown before you confirm, applies to each payout.
• You set the day your plan renews each month. Members renew on that day, and each month’s money is released to your earnings the day before your next renewal, once the member has confirmed access and no problem is open.
• On plans marked “Shared login”, you store the login in Splitverse’s encrypted vault, keep it working for the period members paid for, and update it on Splitverse when you change it. When a member leaves, you change the password before the seat is offered again.
• You must give access on time and keep it for the period members paid for. Missed invites and upheld problems lead to refunds and strikes; repeated strikes pause your listings.
• Earnings are paid to a verified bank account in your name after a review by our team. You are responsible for any tax on your earnings.

6. Not allowed

• Asking for or making payments outside Splitverse.
• Sharing or requesting passwords or one-time codes on invite-based plans, or passing a shared login on to anyone else.
• Fraud, chargeback abuse, using someone else’s card or bank account, fake listings, or harassment.

We may restrict, suspend or close accounts that break these rules, hold or reverse related payments, and review flagged messages to keep members safe.

7. Problems and disputes

Report a problem from My plans. The host has 12 hours to fix it; our team decides if it can’t be resolved. Upheld problems are refunded to your wallet for the unused part of the month (or in full if you never got access).

8. Fees and changes

Current fees are always shown before you pay. We may change fees for future payments; changes never affect payments already made.

9. Third-party services

The subscriptions on Splitverse are provided by their own companies, under their own terms. We can’t control changes they make to their plans, prices, features or sharing rules. If a provider ends or changes a plan so that your access stops, report it from My plans and the unused part of your payment is refunded to your wallet.

10. Liability

We work hard to keep Splitverse available and your money safe, but the service is provided “as is”. To the extent the law allows, Splitverse is not liable for indirect or consequential losses, and our total liability to you for any claim is limited to the amount you paid through Splitverse in the three months before the claim. Nothing in these terms limits rights you have under the Federal Competition and Consumer Protection Act or other law that cannot be excluded.

11. Changes to these terms

We may update these terms as the service changes. We’ll tell you about important changes by email or in the app before they take effect; continuing to use Splitverse after that means you accept them.

12. Governing law and contact

These terms are governed by the laws of the Federal Republic of Nigeria. Questions or complaints: support@usesplitverse.com. We reply within one working day.