Terms of use
Last updated: September 28, 2026
Kwitsy is run by Kramatics LLC ("we"). By using Kwitsy you agree to these terms. They're short on purpose.
What Kwitsy is
Kwitsy is a free tool for recording shared expenses and working out who owes whom. Kwitsy never moves money. Payment links open other apps (like Venmo or PayPal), and any payment you make there is between you and that app.
Your responsibilities
- Keep your email account secure, since sign-in links are sent there.
- Only add people and information you have a right to share.
- Don't use Kwitsy for anything illegal, or to harass anyone.
Accuracy
We work hard to make every calculation exact, but balances are only as accurate as what people enter. Kwitsy is a record-keeping tool, not financial, tax or legal advice.
The service
We provide Kwitsy “as is” and may change or pause features. We'll give reasonable notice before any change that affects your data, and you can always export it from Account → Your data. If we ever close Kwitsy, we'll tell you at least 90 days in advance, and you'll be able to download everything until it closes.
Who can use Kwitsy
You must be 16 or older to use Kwitsy, or 18 or older if you live in India.
AI suggestions
Features like receipt scanning and Quick add suggest amounts and details. They can be wrong: check them before you save. Nothing is saved until you do.
Liability
Kwitsy is free and provided "as is". As far as the law allows, we aren't liable for indirect losses, or for disagreements between people about money, and our total liability is limited to the amount you paid us (which is nothing). This doesn't limit any rights you have that the law says can't be limited.
Governing law
Kwitsy is provided by Kramatics LLC, a Texas limited liability company. These terms are governed by the laws of the State of Texas, USA, and disputes go to the courts of Texas. If you use Kwitsy as a consumer, you keep any protections and any right to go to your local courts that the law where you live gives you.
Ending things
You can delete your account at any time from Account settings. We may suspend accounts that break these terms, for example to stop spam or harassment.
Reporting a problem
To report illegal content, abuse or a security issue, email contact@kwitsy.com.