Privacy Policy

Effective date: 22/09/2026.

Welcome to Splitwiser. This Privacy Policy explains how Splitwiser collects, uses, stores, and protects information when you use our website, applications, and related services (collectively, the “Service”). By using Splitwiser, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect information that you provide directly to us when using Splitwiser. This may include:

  • Name
  • Email address
  • Account credentials
  • Profile information
  • Group and friend information
  • Expense names and descriptions
  • Expense amounts
  • Expense participants
  • Split amounts and percentages
  • Balance and settlement information
  • Notes or comments added to expenses
  • Currency preferences
  • Information you provide when contacting us

Depending on the features available, users may also be able to upload receipts, images, or other attachments.

2. Account Information

When you create a Splitwiser account, we may collect information necessary to create and manage your account. You are responsible for keeping your account information accurate and your login credentials secure.

Passwords are stored using appropriate security measures and are not displayed in readable form.

3. Expense and Group Information

When you use Splitwiser, we may process information about:

  • Expenses you create
  • People included in an expense
  • Groups you create or join
  • Amounts paid or owed
  • Expense categories
  • Settlements
  • Dates and descriptions
  • Currency selections
  • Activity related to shared expenses

Some of this information may be visible to other users who participate in the same group or shared expense. You should only add information about another person when you are authorized to do so.

4. Information Collected Automatically

When you access Splitwiser, certain technical information may be collected automatically. This may include:

  • IP address
  • Browser type
  • Device type
  • Operating system
  • Approximate location based on IP address
  • Date and time of access
  • Pages or features used
  • Login activity
  • Error and diagnostic information
  • Referring pages
  • Session information

This information may be used to operate, secure, analyze, and improve Splitwiser.

5. How We Use Your Information

We may use collected information to:

  • Create and manage your Splitwiser account
  • Provide expense-sharing functionality
  • Calculate balances between users
  • Manage groups and friends
  • Record settlements
  • Display expense history and recent activity
  • Provide currency-related functionality
  • Provide search functionality
  • Operate AI-powered features
  • Maintain and improve the Service
  • Protect accounts from unauthorized access
  • Detect fraud, abuse, or security threats
  • Troubleshoot technical issues
  • Communicate important Service information
  • Respond to questions or requests
  • Comply with applicable legal requirements

We do not use personal information for purposes that are materially different from those described in this Policy without appropriate notice where required.

6. AI Features

Splitwiser may include AI-powered functionality such as Ask AI. When you use an AI feature, information you submit to that feature may be processed to generate a response.

Depending on how the feature is implemented, relevant information from your Splitwiser account, expenses, groups, or conversations may also be processed where necessary to provide the requested functionality. AI-generated responses may not always be accurate.

If third-party AI service providers are used, information may be processed by those providers according to applicable agreements and privacy safeguards. We will update this Privacy Policy with additional information if specific AI providers or processing arrangements need to be disclosed.

7. Cookies and Similar Technologies

Splitwiser may use cookies and similar technologies to:

  • Keep users signed in
  • Maintain sessions
  • Remember preferences
  • Improve security
  • Understand how the Service is used
  • Detect technical issues

Additional information about these technologies is provided in our Cookie Policy.

8. How We Share Information

We do not sell your personal information. We may share information only where reasonably necessary to provide or protect the Service. This may include sharing information with:

  • Hosting and infrastructure providers
  • Authentication providers
  • Email or communication providers
  • Analytics providers
  • AI service providers
  • Security and monitoring providers
  • Currency-data providers
  • Other technology service providers supporting Splitwiser

These providers may process information only as necessary to perform services for Splitwiser, subject to applicable contractual and legal requirements.

9. Information Shared With Other Users

Splitwiser is designed for shared expense management. When you participate in a shared expense or group, other participants may be able to see information such as:

  • Your name or profile information
  • Expense descriptions
  • Expense amounts
  • Your share of an expense
  • Amounts you owe
  • Amounts owed to you
  • Settlement information
  • Group activity

You should carefully consider what information you add to shared areas.

10. Third-Party Services

Splitwiser may contain links to, integrate with, or rely on third-party services. These third parties may have their own privacy policies and terms.

Splitwiser is not responsible for the privacy practices of third-party services that operate independently from us. We recommend reviewing their privacy policies before providing personal information to them.

11. Currency Information

Splitwiser may use third-party services to provide currency exchange information. When currency-related features are used, limited technical information may be exchanged with a currency-data provider where required to provide the feature.

Currency information displayed within Splitwiser should be considered informational and may differ from actual rates used by banks or payment providers.

12. Data Security

We take reasonable technical and organizational measures designed to protect personal information against:

  • Unauthorized access
  • Unauthorized disclosure
  • Loss
  • Misuse
  • Alteration
  • Destruction

Measures may include encryption, access controls, secure authentication, monitoring, backups, and other appropriate safeguards. However, no internet-based service or storage system can guarantee absolute security. Users are also responsible for protecting their passwords, devices, and account access.

13. Data Retention

We retain information for as long as reasonably necessary to:

  • Provide the Service
  • Maintain user accounts
  • Maintain expense and group records
  • Resolve disputes
  • Prevent fraud or abuse
  • Meet security requirements
  • Comply with legal obligations

If you delete your account, certain information may continue to be retained for a limited period where required for legal, security, backup, fraud-prevention, or dispute-resolution purposes. Information associated with shared expenses may also remain visible where deleting it would affect the records of other users. Specific retention periods may vary depending on the type of information and the purpose for which it is retained.

14. Account Deletion

Where account deletion is available, you may request deletion of your Splitwiser account. After deletion, some information may be removed or anonymized, subject to applicable retention requirements.

Information that forms part of a shared expense or group may need to remain in a limited form so other users' financial records remain understandable and accurate.

15. Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information. These may include the right to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion
  • Request a copy of your information
  • Object to certain processing
  • Restrict certain processing
  • Withdraw consent where processing is based on consent
  • Request data portability where applicable
  • Submit a privacy complaint

These rights may be subject to legal limitations or exceptions. To make a privacy request, contact us using the email listed at the end of this Policy.

16. International Data Processing

Splitwiser may use service providers located in countries different from your country of residence. As a result, information may be processed or stored internationally. Where required by applicable law, appropriate safeguards will be used for international transfers of personal information.

17. Children's Privacy

Splitwiser is not intended for children below the minimum age permitted to use the Service. Users must meet the minimum age requirement stated in our Terms of Service.

If we learn that personal information has been collected from a child who is not legally permitted to use Splitwiser, we may take reasonable steps to delete that information.

We may disclose information where reasonably necessary to:

  • Comply with applicable laws or regulations
  • Respond to lawful requests from authorities
  • Enforce our Terms of Service
  • Protect Splitwiser's rights or property
  • Protect the safety of users or others
  • Investigate fraud or security incidents

Where legally permitted, we will seek to limit disclosures to information reasonably necessary for the relevant purpose.

19. Business Changes

If Splitwiser is involved in a merger, acquisition, financing, restructuring, sale of assets, or similar business transaction, information may be transferred as part of that transaction. Any subsequent handling of personal information will remain subject to applicable privacy requirements.

20. Do Not Sell Personal Information

Splitwiser does not sell personal information in exchange for money. If our practices change in the future, this Privacy Policy will be updated and any legally required choices will be provided.

21. Changes to This Privacy Policy

We may update this Privacy Policy when our Service, technology, or legal obligations change. When significant changes are made, we may notify users through the Service, by email, or by updating the date shown at the top of this Policy. We recommend reviewing this Privacy Policy periodically.

22. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, contact us at support@splitwiser.com.