Privacy Policy for SplitSettle

Welcome to SplitSettle (referred to as the "App", "we", "us", or "our"). We are committed to safeguarding your personal data and ensuring that your transparency rights are fully respected. This Privacy Policy describes how we collect, store, share, and protect your information when you download, install, access, or use the SplitSettle mobile application and associated web interfaces.

By creating a SplitSettle account, you acknowledge that you have read and understood the rules regarding transaction logging, manual friend connections, and group calculations outlined herein. If you do not agree with these principles, please do not use the App.

In order to provide our core bill-splitting services, we collect specific parameters of data. This allows us to calculate balances accurately, identify who owes who, and push real-time updates inside your shared groups.

Note: SplitSettle does not collect or store your credit card or bank login credentials directly. All repayments made via linked external APIs (e.g. Stripe, PayPal) are processed securely through those providers. We only receive verification tokens indicating success or failure of repayment.

We process your data primarily to deliver, enhance, and debug our shared expense features. These activities fall under performance of contract and legitimate interests:

• Ledger & Net Balance Math: We automatically add, subtract, and simplify debts between members of your groups (e.g., Debt Simplification algorithms).
• Push & Email Alerts: Notifying you when someone adds you to a bill, requests settling up, comments on an expense, or updates a repayment.
• Fraud Prevention: Detecting anomalous logins, multi-account creations, or suspicious transaction volumes.
• Product Refinements: Running localized statistical assessments of how many expenses are successfully split to design simpler layout paradigms.

Because bill splitting is fundamentally collaborative, sharing is native to the App. Your information is shared under the following conditions:

Shared with Group Members:

Any person in a group with you can see your profile name, picture, email, and phone number (if you allow searchability). They will also view details, comments, and receipt images for any expenses you add to that group.

Third-Party Service Providers:

We work with trusted partners to host servers, deliver emails/notifications, and process errors. These partners have zero permission to use your personal information for their own marketing campaigns.

Our Privacy Center puts you in control. Toggle the permission configurations below to see how our app logic restricts data exposure, and check your calculated Privacy Rating in real-time.

We respect these configurations natively. If you toggle any of these parameters off, our back-end removes associated tokens instantly.

We prioritize the security of your ledger entries and personal details. We employ industry-standard protocols to guarantee security:

• Encryption: All database storage and payload transmissions are encrypted using standard AES-256 protocols and TLS 1.3 network envelopes.
• Storage Durability: Ledgers and balances are archived securely. If a group is closed and all transactions are settled, detail assets (such as receipt images) are deleted within 90 days.
• Access Limits: Our internal database administrators have restricted access to transaction records, auditable at all times.

You have full authority over your data. Depending on your jurisdiction (such as CCPA, GDPR), you have several core options:

Account Deletion & Data Purge

You can request complete deletion of your account directly in the app profile dashboard or by emailing our privacy team. However, please note that any transaction descriptions, split records, or comments you wrote inside *other* users' active groups may remain visible as historic record context to preserve group ledger accuracy, but your name will be replaced by "Deleted User".

Data Portability

You can export a CSV or PDF copy of all your financial ledgers and personal metadata via the settings menu at any time.

Browse through quick clarifications concerning how SplitSettle secures your privacy:

If you have any questions, regulatory requests, or concerns about how your data is computed, reach out to our DPO (Data Protection Officer) directly via this secure contact form: