Privacy Policy

1. Introduction

Welcome to Splitvers ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect, how we use it, and what rights you have in relation to it.

By using the Splitvers website, mobile app, or any of our services ("Services"), you agree to this Privacy Policy. If you disagree with any part of it, please do not use our Services.

2. Information We Collect

2.1 Information you provide directly

• Account information: name, email address, and password when you register.
• Profile information: optional profile photo or display name.
• Expense data: amounts, descriptions, participants, categories, and dates of expenses you enter.
• Group information: group names, member lists, and group settings.
• Communications: messages you send to our support team.

2.2 Information collected automatically

• Usage data: pages visited, features used, actions taken, and time spent in the app.
• Device information: device type, operating system, browser type, and IP address.
• Cookies and tracking: we use essential cookies to keep you logged in and functional cookies to remember your preferences.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Splitvers Services.
• Create and manage your account.
• Calculate and display balances, expenses, and group activity.
• Send you transactional emails (e.g., expense notifications, payment reminders).
• Respond to your support requests and inquiries.
• Detect and prevent fraud, abuse, or security issues.
• Improve our Services based on aggregated, anonymized usage patterns.
• Comply with legal obligations.

We do NOT sell, rent, or trade your personal information to any third party for marketing purposes.

4. Sharing Your Information

We share your information only in the following limited circumstances:

• With group members: Expense details, balances, and activity are visible to other members of groups you join.
• Service providers: We use trusted third-party services (e.g., cloud hosting, email delivery, analytics) that process data on our behalf under strict confidentiality agreements.
• Legal requirements: If required by law, court order, or governmental authority, we may disclose your information.
• Business transfer: In the event of a merger, acquisition, or sale of assets, your data may be transferred. We will notify you before your data is transferred and becomes subject to a different privacy policy.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Services. If you delete your account, we will delete or anonymize your personal information within 30 days, unless we are required by law to retain it longer. Expense data shared with group members may remain visible to those members after you leave a group.

6. Security

We implement industry-standard security measures including encryption in transit (TLS/HTTPS), encrypted storage for sensitive data, and regular security reviews. However, no method of transmission over the internet is 100% secure. We encourage you to use a strong, unique password and enable two-factor authentication where available.

7. Cookies

We use the following types of cookies:

• Essential cookies: Required for login sessions and basic app functionality. Cannot be disabled.
• Preference cookies: Remember your language and currency preferences.
• Analytics cookies: Help us understand how the app is used (anonymized, no personal identification).

You can control non-essential cookies through your browser settings. Disabling cookies may affect some functionality.

8. Your Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal data (right to be forgotten).
• Portability: Request your data in a machine-readable format.
• Objection: Object to certain types of processing, including marketing.
• Withdrawal of consent: Withdraw consent at any time where processing is based on consent.

To exercise any of these rights, email us at privacy@splitvers.com. We will respond within 30 days.

9. Children's Privacy

Splitvers is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If we learn we have collected such information without parental consent, we will delete it promptly. If you believe we have collected data from a child under 13, please contact us immediately.

10. International Transfers

Splitvers operates globally. Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws, including standard contractual clauses where required.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or by displaying a prominent notice in the app at least 14 days before the change takes effect. Your continued use of our Services after the effective date constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us: