Privacy Policy

SplitFina Effective date: August 22, 2026

SplitFina ("SplitFina," "we," "us," or "our") builds transparent expense-splitting tools for Android. This Privacy Policy explains what information SplitFina collects when you use the SplitFina app (the "App"), why we collect it, how it's used and protected, and the choices you have.

By using SplitFina, you agree to the collection and use of information as described here. If you don't agree, please don't use the App.

1. Information We Collect

We only collect what the App needs to split expenses, show accurate balances, and let group members recognize each other. We never sell your data.

1.1 Information you give us directly

Category

What it includes

Why we collect it

Account information

Name, email address, profile photo (via Google Sign-In or email/password sign-up)

To create and secure your account, and identify you to your groups

Group data

Group name, description, group type, emoji/cover photo, member list

To organize shared expenses among the people you choose

Expense data

Description, amount, category, date, who paid, who's splitting it, how it's split, optional receipt photo, optional notes and location text

To calculate who owes whom, accurately and transparently

Settlement records

Amount, payer, recipient, payment method label, optional note

To track when a member says they've paid another member back

Comments

Text you post on an expense

To let group members discuss a specific expense

Payment method labels

A label and free-text "detail" field you optionally save (e.g. a UPI ID or bank reference) so group members know how to pay you

To make real-world repayment easier — this app never processes the payment itself (see Section 6)

Contacts (optional)

If you tap "Add from contacts," the App reads the selected contact's email address, locally on your device, to pre-fill an invite. We do not upload, store, or retain your contact list — only the email you chose to send an invite to is transmitted

To make it easier to invite people you already know

1.2 Information collected automatically

Category

What it includes

Why we collect it

Usage analytics

App interactions (screen views, feature usage such as sign-ups, group creation, expense and settlement events), crash and performance diagnostics, and device identifiers, collected via Firebase Analytics

To understand which features are used and fix problems

Approximate location:

A coarse, IP-derived location (city/region level), as part of standard analytics — not GPS or precise device location, and never tied to an expense unless you type a location into the notes field yourself

Aggregate usage insight only; we do not use this to track you

Device and diagnostic data

Device model, OS version, app version, crash logs

To keep the App stable and compatible

Preferences:

Your chosen currency and theme (light/dark/system), stored locally on your device

To remember your settings between sessions

We do not use advertising SDKs, and we do not collect precise GPS location.

Subscription & purchase data :

Whether you have an active SplitFina Pro subscription, which billing plan (monthly/yearly), purchase and renewal dates, and a RevenueCat-assigned identifier linked to your account.

To unlock Pro features correctly and keep your subscription status accurate across devices 

2. How We Use Your Information

We use the information above to:

• Create and maintain your account

• Calculate and display balances, split expenses, and generate the "Explain My Balance" breakdown

• Show your name, photo, and payment-method labels to the other members of groups you share

• Notify group members when an expense, comment, or settlement is added (in-app; push notifications are not yet enabled — see Section 7)

• Diagnose crashes, fix bugs, and improve the App based on aggregate usage patterns

• Respond to support requests you send us

• Detect and prevent misuse, fraud, or violations of our Terms & Conditions

We do not use your data to build advertising profiles, and we do not sell, rent, or trade your personal information to third parties.

3. Who Can See Your Information

SplitFina is a shared, group-based app by design. Understanding what's visible to whom matters:

• Group members can see: your name, photo, the expenses and settlements you're part of, comments you post, and any payment-method label you choose to share for settling up.

• People outside your groups cannot see your groups, expenses, or balances.

• SplitFina staff access data only as needed to provide support, investigate abuse reports, or maintain the service — never to browse user data casually.

• Service providers (see Section 4) process data on our behalf under confidentiality obligations; they don't use it for their own purposes.

• We may disclose information if required by law, subpoena, or valid legal process, or to protect the rights, property, or safety of SplitFina, our users, or the public.

4. Third-Party Services We Use

SplitFina is built on Google Firebase and related Google services. These providers process data on our behalf, under their own security and privacy commitments:

• Firebase Authentication (Google) — manages sign-in (email/password and Google Sign-In)

• Cloud Firestore (Google Cloud) — stores your groups, expenses, settlements, and comments

• Firebase Storage (Google Cloud) — stores optional group cover photos and expense receipt images

• Firebase Analytics (Google) — collects the usage analytics described in Section 1.2

• Google Play Services / Google Identity Services — powers "Continue with Google" sign-in

• Firebase Crashlytics (Google) — collects crash logs and diagnostic data described in Section 1.2, to help us diagnose and fix crashes.

• RevenueCat — manages SplitFina Pro subscription purchases and entitlement status. RevenueCat receives your in-app account identifier (so a purchase can be recognized across your devices), your Google Play purchase and subscription data, and basic device information. RevenueCat never receives your payment card details — those are handled entirely by Google Play. See RevenueCat's Privacy Policy for details on how they process data.

These providers may process and store data on servers located outside your country, including in the United States, as part of Google's global cloud infrastructure. Google's own privacy practices for these services are described at policies.google.com/privacy.

Beyond the services listed above, we do not use any other third-party analytics or advertising SDKs. We never see or store your payment card details — all subscription payments are processed directly by Google Play. 

5. Data Retention and Deletion

We retain your account and group data for as long as your account is active, so that expense history and balances remain accurate for everyone in a shared group.

To request deletion of your account and personal data, email us at noxlivo.studio@gmail.com from the address associated with your account. We'll verify the request and delete your account information within a reasonable time, except where:

• Data must be retained to resolve disputes, enforce our agreements, or comply with a legal obligation

• Data is part of a shared group's expense history — where practical, we'll anonymize your identifying details (name, photo, email) rather than delete the whole group's records, since group balances belong to every member, not just you

You can also leave any group at any time from within the App, which stops new expenses in that group from being attributed to you going forward.

6. This App Never Moves Your Money

This is important, so we're saying it plainly: SplitFina is not a payment processor, money transmitter, bank, or financial institution, and it never moves, holds, or has access to your money.

When you mark a settlement as "paid," you're recording a claim — that you paid someone back through whatever real-world method you actually used (cash, bank transfer, UPI, JazzCash, EasyPaisa, etc.). The other person must separately confirm they received it before it counts toward the group's balance. SplitFina has no visibility into, and no responsibility for, whether money actually changed hands outside the App. Any payment-method "detail" you save is just a label shown to your group members for their convenience — we don't validate, transmit, or process it.

7. Push Notifications

The App currently requests notification permission for future use, but push notifications are not yet active. If we enable them, we'll update this policy to describe what triggers a notification and how to turn them off, and your device's notification permission will remain fully within your control at the OS level at all times.

8. Children's Privacy

SplitFina is not directed at children under 13 (or the minimum age of digital consent in your country, if higher), and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us at noxlivo.studio@gmail.com and we'll delete it.

9. Your Rights and Choices

Depending on where you live, you may have rights to access, correct, export, or delete your personal data, and to object to or restrict certain processing. To exercise any of these, contact us at noxlivo.studio@gmail.com. We'll respond within a reasonable time and won't discriminate against you for exercising these rights.

You can also, at any time:

• Edit your profile name and photo from within the App

• Leave a group to stop future expenses being attributed to you

• Change your currency and theme preferences in Settings

• Uninstall the App, which stops all local data collection immediately (your account data remains in our cloud database until you request deletion per Section 5)

10. Data Security

We rely on Firebase's industry-standard security practices, including encryption in transit (TLS) and at rest, and Firestore/Storage security rules that restrict data access to authenticated members of a given group. No method of transmission or storage is 100% secure, and we can't guarantee absolute security, but we work to protect your information using practices appropriate to the sensitivity of the data involved.

11. Changes to This Policy

We may update this Privacy Policy as the App evolves. If we make material changes, we'll update the "Effective date" above and, where appropriate, notify you in-app. Continued use of SplitFina after a change means you accept the updated policy.

12. Contact Us

Questions, requests, or concerns about this Privacy Policy or your data:

Email: noxlivo.studio@gmail.com