SPLITMATE — PRIVACY POLICY
Effective Date: October 7, 2026
SplitMate ("SplitMate", "we", "us", or "our") respects your privacy. This Privacy Policy explains what information SplitMate collects, how it is used, how it is stored, and the choices available to you when you use the SplitMate application.
By using SplitMate, you acknowledge the practices described in this Privacy Policy.
1. INFORMATION WE COLLECT
Depending on how you use SplitMate, we may process the following categories of information:
• Account and profile information
• Personal expense and budget information
• Group and shared expense information
• Activity and transaction history
• Technical and diagnostic information
• Application usage and analytics information
• Information processed by the payment screenshot scanning feature
We only collect or process information that is needed to provide, maintain, secure, and improve SplitMate.
2. ACCOUNT AND PROFILE INFORMATION
When you sign in to SplitMate, we may receive basic account information from the authentication provider you use, such as Google Sign-In.
This may include:
• Your account identifier
• Your display name
• Your profile/avatar information where available
We use this information to:
• Create and maintain your SplitMate account
• Identify you within groups
• Display your name and avatar to other members of groups you participate in
• Maintain group membership
• Secure your account
We do not use your email address as a display name for group members.
3. PERSONAL EXPENSES AND BUDGETS
SplitMate allows you to create personal financial records such as:
• Personal expenses
• Expense descriptions
• Expense amounts
• Categories
• Dates
• Currency
• Monthly budgets
• Personal activity history
Personal expense and budget information is used to provide the personal budgeting and expense-tracking functionality of SplitMate.
Personal expense and budget data is intended to remain associated with your account and is not intended to be shared with other SplitMate users unless you explicitly use a feature that makes information part of a shared group.
4. GROUP EXPENSES AND SHARED DATA
When you create or join a SplitMate group, information necessary to operate the group may be shared with other members of that group.
This may include:
• Your display name
• Your selected avatar/mascot
• Group membership information
• Shared expenses
• Amounts and currencies
• Expense splits
• Payer information
• Settlement information
• Group activity information
Group members may therefore see information necessary to understand and manage shared expenses and balances.
For example, when you add a shared expense, other members of that group may see the expense amount, payer, participants, split information, and other information necessary to calculate the group's balances.
5. GROUP ACTIVITY
SplitMate maintains activity information for shared groups.
Group activity may record actions such as:
• Group creation
• Members joining or leaving
• Expenses being added
• Expenses being edited
• Expenses being deleted
• Settlements being completed
• Group settings or currency changes
• Other relevant group actions
Activity records may include a snapshot of the person's display name and information about the action so that historical activity can remain understandable.
Personal activity is separate from group activity.
Your personal expense and budget activity is not intentionally exposed to other group members.
6. EXPENSE EDITING AND HISTORY
SplitMate may allow authorized users to edit shared expenses.
When a shared expense is edited, the updated information may be reflected in:
• Group balances
• Expense details
• Group activity
Activity records may preserve information about an earlier state of an expense where necessary to provide an understandable history of what happened.
Deleting or editing an expense does not necessarily remove historical activity records associated with that action.
7. PAYMENT SCREENSHOT SCANNING
SplitMate provides an optional feature that can help create an expense from a payment screenshot.
When you select a screenshot for scanning:
1. The selected image is processed on your device.
2. Google ML Kit performs on-device text recognition.
3. SplitMate's local parser analyzes the recognized text.
4. The extracted information is shown to you for review.
5. Nothing is saved as an expense until you confirm it.
The scanner may extract information such as:
• Amount
• Date
• Category
• Payment method
• Merchant or recipient information when readable
IMPORTANT:
The payment screenshot scanning feature is designed to process the image on your device.
The screenshot is not intentionally uploaded to SplitMate's servers for AI processing.
SplitMate does not send the OCR text to an external AI service for this feature.
The screenshot and OCR text are not intentionally sent to Firebase Analytics or Firebase Crashlytics.
You should still review the extracted information before saving an expense because automated text recognition can make mistakes.
8. INFORMATION NOT SENT TO ANALYTICS OR CRASH REPORTING
SplitMate is designed not to send the following sensitive payment information to its analytics or crash-reporting systems:
• Payment screenshots
• OCR text
• UPI IDs
• Bank account numbers
• Transaction IDs
• Expense descriptions
• Merchant names
• Payment amounts
• Phone numbers
• Email addresses
Analytics events use limited, predefined parameters intended to describe application usage rather than the contents of your financial records.
9. FIREBASE ANALYTICS
SplitMate uses Firebase Analytics provided by Google to understand how users interact with the application and to help us improve SplitMate.
Analytics may record events such as:
• App usage
• Sign-in and sign-out
• Group creation and joining
• Group expense creation, editing, and deletion
• Personal expense actions
• Budget actions
• Settlement completion
• Invitation interactions
• Payment screenshot scanning success or failure
• Application screen usage
• Update interactions
Analytics may use limited information such as:
• Application event type
• Screen or feature being used
• Currency code
• Expense category
• Payment scan source
• Success or failure state
• General scanner confidence category
For payment scanning, scanner confidence is represented only as a simple category such as "high" or "review". The underlying numeric OCR confidence score is not sent.
We use Analytics to understand feature usage, identify areas for improvement, and measure application reliability and engagement.
10. FIREBASE CRASHLYTICS
SplitMate uses Firebase Crashlytics provided by Google to identify crashes, errors, and technical problems.
Crashlytics may collect technical and diagnostic information such as:
• Application version
• Build version
• Device information
• Operating system information
• Crash information
• Stack traces
• Current application screen
• Feature being used
• Safe diagnostic information
Crashlytics may also receive non-fatal technical errors when necessary to diagnose problems.
We do not intentionally send payment screenshots, OCR text, UPI IDs, bank account numbers, transaction IDs, expense descriptions, or other sensitive payment information to Crashlytics.
Crashlytics is used to improve application stability, identify bugs, and resolve technical problems.
11. FIREBASE AND CLOUD STORAGE
SplitMate uses Firebase services to provide features such as:
• Authentication
• Cloud database storage
• Analytics
• Crash reporting
Depending on the feature, information may be stored in Firebase infrastructure associated with your SplitMate account and shared groups.
Firebase services are provided by Google and may process information according to Google's applicable policies.
12. DATA SECURITY
We use reasonable technical and organizational measures designed to protect information processed by SplitMate.
These measures may include:
• Firebase authentication
• Firestore security rules
• Authenticated access controls
• Restricted access to personal information
• Separation between personal and shared group data
• On-device processing for payment screenshot OCR
However, no internet service, application, database, or electronic transmission can be guaranteed to be completely secure.
You are responsible for maintaining the security of your device and account credentials.
13. OFFLINE PROCESSING AND STORAGE
Some SplitMate features can work with locally cached information when your device is offline.
For example, previously loaded group member names may remain available through the application's local/session cache.
Payment screenshot OCR is performed locally on the device.
When the device reconnects to the internet, information that needs to be synchronized with SplitMate's cloud services may be synchronized according to the application's functionality.
14. DATA SHARING
We do not sell your personal information.
We do not intentionally share your personal financial records with advertisers.
Information may be processed by service providers necessary to operate SplitMate, including services used for:
• Authentication
• Cloud data storage
• Analytics
• Crash reporting
• Application distribution
• Payment-app redirection
Information that is part of a shared group may be visible to other members of that group as necessary to provide shared expense functionality.
15. ADVERTISING
SplitMate does not intentionally send your personal expense descriptions, payment screenshots, OCR text, UPI IDs, bank information, or transaction details to advertisers.
If advertising services are introduced or changed in the future, this Privacy Policy may be updated to describe the relevant data practices.
16. THIRD-PARTY SERVICES
SplitMate may rely on third-party services, including Google services and third-party payment applications.
Examples may include:
• Google Sign-In
• Firebase Authentication
• Firebase Firestore
• Firebase Analytics
• Firebase Crashlytics
• Google Play
• Third-party UPI/payment applications
These services may have their own privacy policies and terms.
Your use of third-party applications is subject to their respective policies.
17. DATA RETENTION
We retain information for as long as reasonably necessary to provide SplitMate's functionality, maintain account and group records, meet legitimate operational requirements, and comply with applicable legal obligations.
Personal data may be deleted when you delete your account, subject to the shared group data provisions described below.
Analytics and crash-reporting information may be retained by the relevant third-party services according to their applicable retention policies.
18. ACCOUNT DELETION
You can permanently delete your SplitMate account using the account deletion functionality available in the application.
When you delete your account, personal data associated exclusively with your account may be permanently deleted.
This may include:
• Your personal profile
• Personal expenses
• Personal budgets
• Personal activity
• Other account-specific information
However, information that forms part of shared group records may remain after account deletion where necessary to preserve:
• Group expense history
• Group balances
• Settlement records
• Historical group activity
• Information needed by remaining group members
This means deleting your account does not necessarily delete every record in a group you previously participated in.
Where shared historical information remains, it is retained only as necessary to preserve the integrity of the shared group record.
For more information about deleting your account, visit:
https://sites.google.com/view/splitmate-help/home
19. YOUR CHOICES AND RIGHTS
Depending on applicable law, you may have rights regarding your personal information, including the right to:
• Request access to personal information
• Request correction of inaccurate personal information
• Request deletion of personal information
• Ask questions about how your information is processed
• Withdraw from using optional features
You can also stop using SplitMate and request account deletion.
Some information may need to remain in shared group records where necessary to preserve shared records or comply with legal obligations.
20. CHILDREN'S PRIVACY
SplitMate is not intended to knowingly collect personal information from children where such collection is prohibited by applicable law.
If you believe that a child has provided personal information to us in violation of applicable requirements, please contact us so that we can review the situation.
21. INTERNATIONAL DATA PROCESSING
Third-party services used by SplitMate may process information on servers located in countries other than your country of residence.
Such processing may be subject to the laws and privacy practices applicable to those service providers.
22. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy when SplitMate's features, services, data practices, or legal requirements change.
When material changes are made, we may provide notice through the application, website, or another appropriate method.
The effective date at the beginning of this Privacy Policy will be updated when the policy changes.
We encourage you to periodically review this page.
23. CONTACT US
If you have questions, concerns, privacy requests, or account-related questions, please contact us:
Email:
Privacy Policy:
https://sites.google.com/view/splitmateapp/home
Terms of Use:
https://sites.google.com/view/splitmate-termsofuse/home
Delete Account:
https://sites.google.com/view/splitmate-help/home
Last Updated:
October 7, 2026