Legal
Privacy Policy & Terms of Service
How SplitPe collects, uses, and protects your information, and the terms you agree to by using the app.
Why it's different here
Privacy isn't a footnote at SplitPe — it's the product
Splitting bills means sharing money details with people. We built SplitPe so that circle stays exactly as small as you draw it, and nothing else.
Your bank never touches us
Settling up hands off to your own UPI app. We don't see, store, or process account or card numbers — ever.
Delete everything, one tap
Account deletion is permanent and instant from Settings — not a support ticket, not a 30-day wait.
Only your circle sees it
An expense is visible to the friends and group members you added to it — no public feed, no discovery of your spending by strangers.
We don't sell data. Full stop.
No data brokers, no "trusted partners" list to opt out of. Your expenses fund nothing but the app you're using.
Privacy Policy
SplitPe ("we", "us") helps you track and split shared expenses with friends and groups. This policy explains what information we collect through the app, why, and how you can control it.
Information we collect
We collect only what's needed to run the app's core features: keeping your account, showing your name and photo to people you split expenses with, and recording expenses, groups, and settlements.
| Category | What | Why |
|---|---|---|
| Account | Name, email address, mobile number (optional), password (encrypted by Firebase Authentication — we never see it in plain text) | Create and secure your account, sign you in |
| Profile | Profile photo (optional) | Shown to your friends and group members |
| Google Sign-In | Name, email, and profile photo from your Google account, if you choose that sign-in method | Faster sign-in, in place of creating a password |
| Expense data | Expenses, amounts, categories, notes, receipt photos, groups, friends, split ratios, settlements, UPI ID (if you add one) | The core purpose of the app — tracking who owes what |
| Contacts (optional) | If you use "Import from Contacts", the names and numbers already on your phone | To check which of your contacts already use SplitPe, so you can add them as friends. We look up each number against our systems; we do not upload or store your full contact list |
| Device & usage | Push notification token, general device/app diagnostics, advertising identifier | Deliver notifications about new expenses and payments; show ads that keep the app free |
What we never collect
- Bank or card numbers. When you settle up, SplitPe hands off to the UPI app of your choice (Google Pay, PhonePe, Paytm, etc.) — payment details never pass through or get stored by SplitPe.
- Your full contact list. Contact import only checks phone numbers you choose to import against existing SplitPe accounts; the raw list stays on your device.
Who your data is shared with
Your name, photo, and the expenses/balances you're part of are visible to the specific friends and group members you share them with — that's how splitting a bill works. Beyond that:
- Google Firebase stores your account and data (Authentication, Firestore Database, Cloud Storage) and delivers push notifications, under Google's own privacy terms.
- Google AdMob shows ads in the app and may use your advertising identifier for ad delivery and measurement.
- We do not sell your personal data to anyone, for any reason.
How we protect it
- All traffic between the app and our servers is encrypted in transit (TLS).
- Your session token is stored in your device's encrypted secure storage, not in plain text.
- Firestore security rules restrict every read and write to the account that owns it, or to people you've explicitly shared a group/friend/expense with.
Your controls
- Delete your account anytime from Profile → Privacy & Security → Delete Account. This permanently removes your profile, groups, and expense history.
- Hide amounts on your home screen, and control which notifications you receive, from Settings.
- Revoke contacts access anytime from your phone's system settings — SplitPe still works without it, you'll just add friends by email/phone/search instead.
Children's privacy
SplitPe involves splitting real money and linking UPI payments, so it's intended for users 18 and older. We don't knowingly collect data from children.
Changes to this policy
If this policy changes in a way that matters, we'll update the date at the top of this page and, for significant changes, notify you in the app.
Terms of Service
By creating an account or using SplitPe, you agree to these terms.
What SplitPe is
SplitPe is a record-keeping tool for shared expenses among people you know — trips, roommates, meals, and similar groups. It calculates who owes what and helps you settle up. SplitPe does not hold, transmit, or move money. When you tap "Settle Up," we hand off to a UPI app you already have installed (Google Pay, PhonePe, etc.); that transaction happens entirely inside that app, outside SplitPe's control.
Your responsibilities
- You're responsible for the accuracy of expenses, amounts, and splits you enter — SplitPe reflects what you tell it.
- Use SplitPe only with people you know and trust; anything you enter into a shared group or expense is visible to everyone in it.
- Don't use SplitPe for anything unlawful, fraudulent, or to harass another person.
Ads and free features
SplitPe is free and supported by ads (Google AdMob). To keep expense-tracking sustainable, after 5 expenses added in a day, the next one may ask you to watch a short rewarded ad before continuing — watching it unlocks 5 more for that day. Every core feature — unlimited groups, currency conversion, receipt photos, charts, custom splits, and search — is free; nothing in SplitPe is paywalled.
Account & termination
You need a verified email to use SplitPe. You can delete your account at any time from Settings; we may suspend or remove accounts that violate these terms or abuse the service (e.g., spam, fraud, attempts to bypass security).
No warranty, limited liability
SplitPe is provided "as is." We work to keep balances accurate and the app available, but we're not liable for losses arising from a failed UPI transaction, a mistaken entry, or a dispute between you and someone in your group — those happen between you and the other party, or between you and your payment provider.
Changes & governing law
We may update these terms as SplitPe evolves; continuing to use the app after an update means you accept the current terms. These terms are governed by the laws of India.