Effective Date: October 21, 2026
Last Updated: October 21, 2026
SplitMate (“SplitMate,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains what information we collect and process, how we use and protect it, when information may be shared, and what choices you have when using the SplitMate mobile application.
SplitMate provides personal expense tracking, budgeting, shared group expenses, settlements, receipt and payment screenshot scanning, a rule-based Financial Assistant, and related features.
By using SplitMate, you acknowledge that you have read this Privacy Policy.
Depending on the features you use, SplitMate may process the following categories of information:
Account and profile information: Account identifier, display name, and profile image or selected avatar.
Personal financial information: Personal expenses, amounts, descriptions, categories, dates, currencies, budgets, and related activity.
Shared group information: Group names, membership, shared expenses, expense splits, payer details, balances, settlements, and group activity.
Financial Assistant information: Financial information available to the app that is used to generate rule-based summaries, calculations, and suggestions.
Receipt and payment screenshot information: Images selected for scanning and text recognized from those images.
Application usage information: Events relating to application screens, features, and interactions.
Technical and diagnostic information: Device and operating system details, application and build versions, crash reports, stack traces, and diagnostic events.
We process information as reasonably necessary to provide, maintain, secure, troubleshoot, and improve SplitMate.
When you sign in, SplitMate uses authentication services, including Google Sign-In where applicable, and Firebase Authentication.
Depending on the sign-in method, information processed may include:
Your account identifier.
Your display name.
Your profile image or selected avatar.
Information required to authenticate your account and maintain your session.
We use this information to create and maintain your account, identify you within groups, manage group membership, and provide account security.
Your display name and selected avatar may be visible to other members of groups you join. Your email address is not intentionally used as your display name in groups.
Authentication providers may process information according to their own privacy policies.
SplitMate allows you to record and manage personal financial information, including:
Expense amounts and descriptions.
Expense categories and dates.
Currency information.
Monthly budgets and budget progress.
Personal expense history and related activity.
We use this information to provide expense tracking, budgeting, spending summaries, and related functionality.
Personal expenses and budgets are intended to remain associated with your account. They are not intended to be shared with other SplitMate users unless you use a feature that makes information part of a shared group.
When you create or join a group, information needed to operate that group may be available to its members.
This can include:
Group names and settings.
Member names, selected avatars, and membership information.
Shared expense amounts, descriptions, categories, and dates.
Payer information and expense participants.
Expense-splitting details and calculated balances.
Settlement records and group activity.
Group members may see information necessary to understand, calculate, and manage shared expenses and balances.
For example, when you add an expense to a group, its amount, payer, participants, and split details may be visible to the relevant group members.
Only add information to a shared group that you are comfortable sharing with its members.
SplitMate may maintain activity records to help group members understand changes made within a group.
These records may include:
Group creation and membership changes.
Expenses being added, edited, or deleted.
Settlements being recorded.
Group settings or currency changes.
Other relevant group actions.
Activity records may include the actor's display name, the action performed, and relevant information about the event. Historical records may preserve information about earlier expense states where necessary to explain past activity.
Editing or deleting an expense does not necessarily remove associated historical activity.
Personal expense and budget activity is separate from group activity and is not intentionally exposed to other group members.
SplitMate may calculate budget progress, spending totals, category summaries, expense balances, and other financial information using records available to the application.
These calculations help you understand your recorded spending and manage your budget.
The accuracy of these summaries depends on the information you enter and the records available to SplitMate. Incorrect, incomplete, or outdated entries may result in inaccurate calculations.
SplitMate includes a Financial Assistant that helps users understand their recorded financial activity through rule-based calculations, summaries, and suggestions.
The Financial Assistant uses predefined application logic and rules to generate its responses based on relevant information available to SplitMate.
It is not powered by an external AI API or large language model (LLM). SplitMate does not send Financial Assistant requests to an external AI service for AI-generated responses.
Depending on the feature being used, the assistant may use relevant information such as:
Recorded personal expenses.
Expense categories and amounts.
Budget limits and budget progress.
Spending summaries and trends calculated from available records.
The exact information used depends on the assistant feature and the data available to the application.
The Financial Assistant uses relevant financial information to calculate summaries and produce rule-based suggestions intended to help you understand your spending.
The assistant's calculations and suggestions may be affected by missing, incorrect, or outdated expense and budget records.
We may collect limited application usage events associated with the Financial Assistant, where analytics instrumentation is implemented. These events are intended to help us understand feature usage and improve the application.
We do not intentionally send your complete assistant conversation, personal expense descriptions, or underlying financial records to Firebase Analytics or an external AI provider for AI processing.
The Financial Assistant is an informational tool, not a bank, financial adviser, or payment service. Its output is not professional financial, tax, investment, or legal advice. You are responsible for reviewing the information and making your own financial decisions.
SplitMate provides an optional scanning feature that can help you create an expense from a receipt or payment screenshot.
When you select an image for scanning, the application uses Google ML Kit text recognition and local parsing logic to extract readable information.
Depending on the image, the scanner may identify:
Amounts.
Dates.
Categories.
Payment methods.
Merchant or recipient information, where readable.
The scanning process works as follows:
You select an image.
Google ML Kit performs text recognition on your device.
SplitMate's local parsing logic analyzes the recognized text.
The extracted information is shown for your review.
An expense is created only after you confirm and save it.
Text recognition and parsing may be inaccurate. Always review the extracted information before saving an expense.
The screenshot-scanning feature is designed to process the image on your device. The screenshot and extracted OCR text are not intentionally uploaded to SplitMate's servers for external AI processing or sent to Firebase Analytics or Firebase Crashlytics.
SplitMate uses Firebase Analytics, a service provided by Google, to understand how users interact with the application and to help us improve its features and usability.
Depending on the events implemented and the features you use, Analytics may record information relating to:
Application and screen usage.
Sign-in and sign-out events.
Group creation, joining, and invitation interactions.
Shared expense creation, editing, and deletion.
Personal expense and budget actions.
Settlement actions.
Receipt or payment screenshot scanning outcomes.
Financial Assistant feature usage.
Application update interactions.
General feature success or failure events.
Analytics events may include limited parameters such as an event type, screen or feature name, currency code, expense category, scan source, success or failure status, or a general scanner confidence category.
For scanning, a general confidence category may be recorded where implemented, rather than the underlying numeric OCR confidence score.
Analytics is intended to help us understand feature usage, measure engagement, identify usability issues, and improve SplitMate.
We do not intentionally send payment screenshots, OCR text, UPI IDs, bank account numbers, transaction IDs, expense descriptions, merchant names, payment amounts, phone numbers, or email addresses as Analytics event parameters.
Firebase Analytics is operated by Google and may process data according to Google's applicable policies and settings.
SplitMate uses Firebase Crashlytics, a service provided by Google, to identify crashes, technical errors, and application stability issues.
Crashlytics may process technical and diagnostic information such as:
Application and build versions.
Device and operating system information.
Crash reports and stack traces.
Information about the application state or screen when an error occurs.
Feature-related diagnostic events.
Non-fatal errors used to diagnose technical problems.
We use this information to investigate bugs, improve reliability, and fix technical issues.
We do not intentionally send payment screenshots, OCR text, UPI IDs, bank account numbers, transaction IDs, expense descriptions, or other sensitive payment details to Crashlytics.
Diagnostic systems may process technical context needed to investigate an error. No electronic diagnostic system can be guaranteed to exclude all sensitive information in every possible circumstance.
Crashlytics is operated by Google and is subject to Google's applicable policies.
SplitMate uses Firebase services to provide application functionality, which may include:
Firebase Authentication for account authentication.
Cloud Firestore for relevant account, group, expense, budget, and activity records.
Firebase Analytics for application usage measurement.
Firebase Crashlytics for crash and error reporting.
Information may be stored or processed in Firebase infrastructure according to the feature being used.
Personal and group records may be synchronized with cloud services so that the application can provide account, budgeting, group, and expense-management functionality.
Google may process information on behalf of SplitMate under the applicable terms and policies governing its services.
We use reasonable technical and organizational measures intended to protect information processed by SplitMate. These measures may include authentication, access controls, database security rules, and on-device processing for screenshot text recognition.
However, no application, database, internet service, or electronic transmission can be guaranteed to be completely secure.
You should protect your device, keep your account credentials secure, and avoid sharing sensitive information unnecessarily.
The security of information also depends on the correct configuration and enforcement of the application's backend permissions and services. We cannot guarantee absolute security.
Some SplitMate features may use locally cached information when your device is offline.
For example, previously loaded information may remain available through the application's local or session cache, and payment screenshot text recognition is performed on the device.
Features that require cloud services may not be fully available without an internet connection.
When connectivity returns, information that needs to be synchronized may be sent to the relevant cloud services according to the application's functionality.
We do not sell your personal information.
We do not intentionally share your personal financial records with advertisers.
Information may be processed or shared in the following circumstances:
Within groups: Information included in a shared group may be visible to that group's members.
Service providers: Google and other providers may process information needed for authentication, cloud storage, analytics, crash reporting, application distribution, or related services.
Payment applications: When you choose to open a third-party payment application, that application may process information according to its own policies.
Legal and security requirements: We may disclose information where reasonably necessary to comply with applicable law, respond to valid legal requests, protect rights, or address security and fraud concerns.
We do not operate a payment-processing service or independently verify that a settlement represents a completed bank transfer.
SplitMate's financial features are not intended to send your personal expense descriptions, payment screenshots, OCR text, UPI IDs, bank account information, or transaction details to advertisers.
If advertising or advertising-related services are introduced or changed in a future version, we will update this Privacy Policy as appropriate to describe relevant data practices.
SplitMate may rely on third-party services to provide its functionality. These may include:
Google Sign-In.
Firebase Authentication.
Firebase Cloud Firestore.
Firebase Analytics.
Firebase Crashlytics.
Google ML Kit.
Google Play.
Third-party payment applications, where opened by you.
Third-party services may collect or process information under their own privacy policies, terms, and settings.
We encourage you to review the applicable policies of those services.
We retain information for as long as reasonably necessary to provide SplitMate, maintain account and group functionality, support security and operations, and comply with applicable legal obligations.
Retention periods may vary according to the type of information, the feature involved, and the requirements of the relevant service provider.
Personal information may be deleted when you delete your account, subject to the shared group data provisions below and any applicable legal or operational requirements.
Firebase Analytics and Crashlytics information may be retained by Google according to the relevant service settings and retention policies.
You can request deletion of your SplitMate account through the account-deletion functionality available in the application. Additional information is available at:
https://sites.google.com/view/splitmate-help/home
When you delete your account, personal data associated exclusively with your account may be permanently deleted. This may include your profile, personal expenses, personal budgets, personal activity, and other account-specific information, subject to applicable requirements.
Some information that forms part of shared group records may remain after account deletion where necessary to preserve the shared records of remaining members. This may include:
Shared expense history.
Group balances and expense splits.
Settlement records.
Historical group activity.
Information needed to maintain the integrity of shared group records.
Consequently, deleting your account does not necessarily remove every record associated with groups you previously participated in.
Information retained in shared records is retained as necessary for the relevant shared functionality and applicable requirements.
Account deletion may not immediately remove information already processed independently by third-party services under their own retention policies.
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 information.
Request deletion of personal information.
Ask questions about how your information is processed.
Stop using optional features.
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.
To ask a privacy question or submit a request, contact us using the details in the Contact Us section.
SplitMate is not intended to knowingly collect personal information from children where such collection is prohibited by applicable law.
If you believe a child has provided personal information in violation of applicable requirements, contact us so that we can review the matter and take appropriate action.
Third-party services used by SplitMate may process information on servers located in countries other than your country of residence.
Where applicable, such processing is subject to the relevant service providers' policies, contractual arrangements, and applicable legal requirements.
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 and last-updated date at the beginning of this policy will be revised when appropriate.
We encourage you to review this page periodically.
If you have questions, concerns, or requests relating to this Privacy Policy or your personal information, contact us:
Email:
fusionsix.tech@gmail.com
Privacy Policy:
https://sites.google.com/view/splitmateapp/home
Terms of Use:
https://sites.google.com/view/splitmate-termsofuse/home
Account Deletion:
https://sites.google.com/view/splitmate-help/home
Last Updated: October 21, 2026