Privacy Policy for splitcash

Last Updated: 2026-05-01

This Privacy Policy explains how we collect, use, and protect your information when you use the splitcash ("Application"), provided by Niklas Baudy ("we", "us", or "our").

Information We Collect

User Provided Information

To use the Application, you must create an account. You can register anonymously using only a chosen name and emoji.

You can upgrade your account at any time by linking an email address and setting a password. This upgrade allows for features such as password-based login, account recovery, and receiving updates or notifications.

Regardless of whether your account is anonymous or upgraded, the display name and emoji you have chosen will be visible to other users when you join groups, add or view expenses, make payments, or interact with shared records.

Automatically Collected Information

We automatically gather data about your device, including device type, unique device ID, IP address, operating system, browser type (if applicable), and usage patterns within the Application. This information helps us enhance the user experience and functionality of our services.

How We Use Your Information

We collect and use your data for the following purposes:

Providing core features (creating groups, adding/viewing/splitting expenses, settling balances)
Account management, authentication, and recovery
Improving the app, analyzing usage, and fixing bugs
Sending necessary service notifications (if any)
Security, fraud prevention, and legal compliance

We do not sell your personal data.

We may share your information only in the following limited cases:

As required by law or legal processes
To protect our rights, your safety, or the safety of others (including fraud investigation)
With trusted service providers who operate under strict confidentiality agreements and are not permitted to use your data for their own purposes

We currently use the following third-party services:

• Google Play Services
• Firebase Crashlytics

Your Rights

You can exercise your rights regarding your personal data at any time by deleting your account through the Application. This applies to both anonymous and registered accounts.

Deleting your account is also the way to withdraw your consent to the processing of your personal data. Once deleted, we will handle your data according to the Data Retention and Management section below.

Data Retention and Management

We retain your data for as long as your account remains active.

To permanently delete your personal data, you can delete your account at any time through the Application (this applies to both anonymous and registered accounts). Upon account deletion:

Your personal information (such as email, name, emoji, and anything else you have given us) will be immediately deleted from our servers.
However, expense records, group histories, splits, payments, and related expense data will be retained for historical and record-keeping purposes. These records will continue to appear in the accounts of other group members or users with whom you have shared expenses. Where possible, your personal identifiers will no longer be directly associated with these records.

Additionally, we may delete inactive accounts after a prolonged period of inactivity if we deem it appropriate. Our servers also perform periodic checks and automatically attempt to remove as much unused data as possible — for example, groups that contain only deleted accounts or where all members have left may be fully removed after a certain time.

Security

We use reasonable physical, technical, and administrative safeguards — including encryption, access controls, and regular reviews — to protect your data. However, no security measures are foolproof, and we cannot guarantee absolute security.

Please remember that any expense you add is visible only to the other members of the same group. You should only enter information and amounts you feel comfortable sharing with them.

International Data Transfers

Our servers are located in Germany. Your data is therefore primarily processed within the European Union.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will post any changes here and update the “Last Updated” date. Your continued use of the Application after changes are posted means you accept the new terms. We recommend reviewing this policy from time to time.

By creating an account and using the Application, you consent to our collection, use, storage, and processing of your personal information as described in this Privacy Policy.

If you do not agree with how we handle your data under this Privacy Policy, please do not register or use the Application.

Contact Us

For questions about this Privacy Policy or our practices, please contact us at: [email protected]