Privacy Policy

1. Introduction

Your privacy is important to us. This Privacy Policy explains how SplitX ("we", "us", "our") collects, uses, and protects your personal information when you use our mobile application.

2. Information We Collect

2.1 Personal Information

We collect the following types of personal information when you use our app:

• Account Information: Name, email address, phone number, and profile picture
• Contact Information: Email addresses and phone numbers of friends you invite
• Device Information: Device type, operating system, and unique device identifiers

2.2 Usage Information

We collect data about how you interact with our app, including:

• Features and functions you use
• Time spent in the app
• User preferences and settings
• Error logs and app performance data

2.3 Financial Information

We process, but do not store, the following types of financial information:

• Expense amounts and categories you enter
• Bill splitting calculations
• Group expense history

Important: We do not store your bank account numbers, credit card details, or other payment method information.

3. How We Use Your Information

We use your information for the following purposes:

• To create and maintain your user account
• To provide our core bill splitting functionality
• To process and display expense calculations
• To send notifications about expenses, payments, and settlement requests
• To improve and optimize our app's performance and features
• To communicate with you about app updates, new features, and support
• To comply with legal obligations
• To prevent fraud and abuse of our services

4. Data Sharing and Disclosure

4.1 Sharing with Other Users

When you use SplitX to split bills with friends, certain information is shared with other users in your groups:

• Your name and profile picture
• Expenses you add or are tagged in
• Payment confirmations
• Comments and notes on expenses

4.2 Service Providers

We may share information with trusted third-party service providers who help us operate, improve, and secure our app:

• Cloud storage and database providers
• Analytics services
• Customer support tools
• Email and notification delivery services

All service providers are required to use your information only for the specific services they provide to us and in accordance with our instructions.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests from public authorities (e.g., a court or government agency).

5. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information:

• Encryption of data in transit using TLS/SSL protocols
• Secure storage of user account information
• Regular security assessments and testing
• Access controls and authentication mechanisms

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal data:

• Access: You can request copies of your personal data we hold
• Correction: You can ask us to correct inaccurate information
• Deletion: You can ask us to delete your personal data in certain circumstances
• Restriction: You can ask us to limit how we use your data
• Data portability: You can ask for a copy of your data in a machine-readable format
• Objection: You can object to our use of your data in certain circumstances

To exercise these rights, please contact us using the information in the "Contact Us" section below.

7. Children's Privacy

Our app is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately.

8. International Data Transfers

Your information may be transferred to and processed in countries other than the one in which you reside. These countries may have different data protection laws. We ensure that appropriate safeguards are in place to protect your information when transferred internationally.

9. Retention of Data

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your data, we will securely delete or anonymize it.

10. Changes to This Policy

We may update our Privacy Policy from time to time. We will notify you of any significant changes by posting the new Privacy Policy on this page, updating the "Last updated" date, and potentially sending you a notification.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

11. Your Choices

You can control certain data collection and use through the app settings:

• Profile information visibility
• Notification preferences
• Contact syncing options

You can also opt out of promotional communications by following the instructions included in these messages.

12. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). Please refer to our California Privacy Notice for more information.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Email: privacy@splitx.org