Privacy Policy

At Splitify.ai, your privacy is essential to us. We are committed to protecting your personal information and handling it responsibly. This Privacy Policy explains what information we collect, how we use it, and how we protect it. By using Splitify.ai, you consent to the practices described here.

1. Information We Collect

• Account Information: When you register, we collect your name, email address, and password (encrypted). We log IP address, registration timestamp, and device information.
• Financial Information: To enable expense tracking, we collect financial transaction data. This is securely stored and only used for the services provided.
• Usage Data: We gather information on how you use Splitify.ai, such as page views and interactions, to enhance user experience and performance.
• Location Data: With permission, we may collect and process location data for personalized features. You can disable location tracking at any time in your settings.
• Communication Data: We store communications with our support team and survey responses to improve our services and resolve issues.

2. How We Use Your Information

We use your personal information to:

• Provide and improve Splitify.ai’s services, manage your account, and track expenses and insights.
• Personalize your experience by recommending features based on your usage patterns.
• Enhance service quality through analytics and user feedback.
• Communicate updates, respond to inquiries, and inform you about promotions or new features.
• Ensure security, monitor for fraud, and protect against unauthorized access.

3. How We Share Your Personal Information

We do not sell or rent your personal information. We may share your personal information with the following parties, as outlined in this Privacy Policy or at the time of collection:

• With Your Consent: We may share your data if you provide explicit consent, such as when you opt into a specific service or integration.
• Service Providers: We work with trusted third-party service providers who assist us in delivering our services and running our business. This includes providers for tasks like hosting, email and text delivery, customer support, marketing, and website analytics. These providers are contractually obligated to use your personal information only in compliance with this Privacy Policy.
• Financial Data Aggregation with Plaid: To provide seamless financial data connections, Splitify.ai partners with Plaid Inc. (“Plaid”) to retrieve your financial information securely from your bank or financial institution. By using our service, you acknowledge and agree to the terms of Plaid’s privacy policy. You authorize Splitify.ai to act on your behalf to access and transfer your financial information from your financial institution. Your personal and financial data will be securely transferred, stored, and processed by Plaid in accordance with their privacy policy.
• Legal Obligations: We may disclose your information if required to comply with a legal obligation, to respond to legal processes, or to protect our rights and property.
• Protection: We may disclose information to enforce our Terms of Service or to protect the rights, property, and safety of Splitify.ai, our users, or the public.

4. Sharing and Disclosure of Information

We do not sell or rent your personal information. We may share your data as follows:

• With Your Consent: We may share your data if you provide explicit consent, for instance, by opting into a specific service integration.
• Service Providers: We work with third-party providers for data storage, analytics, customer support, and payment processing. They are contractually obligated to protect your data.
• Legal Obligations: We may disclose your information to comply with legal requirements or respond to legal processes.
• Protection: We may disclose information to enforce our terms of service or protect the rights, property, and safety of Splitify.ai, our users, or the public.

5. Your Rights and Choices

As a user, you have the following rights:

• Access: You can request a copy of your personal data.
• Correction: You may update or correct your information within the app or by contacting us.
• Deletion: You may request the deletion of your account and data through app settings or by contacting support.
• Opt-Out: You can unsubscribe from marketing communications and disable location tracking at any time.
• Data Portability: We can provide your data in a portable format upon request.

6. When Do We Delete Your Information?

Immediate Data Deletion Upon Account Closure:

We respect your right to privacy and prioritize the security of your personal information. When you choose to delete your account, we promptly delete all personal data associated with your account, including your email, user name, contact number, transaction history, and account details. Once a deletion request is made, we do not retain any of your data. This deletion is immediate and irreversible, ensuring that no personal information remains on our systems.

7. Data Security

We employ stringent measures to safeguard your data:

• Encryption: All data is encrypted in transit using SSL/TLS. Sensitive information is stored with advanced encryption techniques.
• Access Control: Data access is restricted to authorized personnel and managed with secure tokens.
• Data Retention: Personal data is retained only as long as necessary for our services or as required by law.

8. Third-Party Services and Links

We may link to third-party websites, products, or services, such as Google AdSense and AdMob for advertising. These third-party services have their own privacy policies. We encourage you to review their privacy policies before engaging with these services.

9. Cookies and Tracking Technologies

Splitify.ai uses cookies and similar technologies to enhance your experience. Cookies help us remember your preferences and optimize our platform's performance. You can manage cookie preferences in your browser settings. Disabling cookies may affect the functionality of some features.

10. Children’s Privacy

Splitify.ai is intended for users aged 18 and older. We do not knowingly collect or store information from children under 13. If we become aware of such data, we will delete it promptly.

11. Liability Limitation

Our liability is limited to the amount you paid for services. We are not liable for indirect, incidental, or consequential damages resulting from your use of our services.

12. Changes to This Privacy Policy

We may update this Privacy Policy at any time. Changes will be posted on this page. Your continued use of Splitify.ai following updates signifies your acceptance of the changes.

13. Contact Us

If you have questions about our privacy practices, contact us at admin@splitify.ai.