Privacy Policy

SplitDolla Expense Tracking

Effective Date: January 1, 2025 • Last Updated: January 2025

Your privacy matters to us. This Privacy Policy explains how SplitDolla ("we," "us," or "our") collects, uses, discloses, and protects your personal information when you use our expense tracking service.

1 Information We Collect

Personal Information You Provide

Account Information: Name, email address, phone number
Authentication Data: Password (stored as a secure cryptographic hash, never in plain text)
Payment Identifiers: Venmo username (optional, for generating payment links)

Information Generated Through Use

Expense Data: Descriptions, amounts, dates, and participants
Group Data: Group names, members, and invitations
Device Information: Browser type, operating system, IP address
Usage Data: Features used, interactions, and timestamps

2 How We Use Your Information

We use your information to:

Provide, maintain, and improve the Service
Authenticate your identity and secure your account
Facilitate expense tracking and group management
Calculate and display balances and settlements
Send transactional emails (verification, group invitations, expense notifications)
Respond to your requests and support inquiries
Detect and prevent fraud or abuse
Comply with legal obligations

3 How We Share Your Information

✓ We do not sell, rent, or trade your personal information to third parties.

We may share information in the following circumstances:

With Group Members: Your name, email, and expense activity are visible to members of groups you join
Service Providers: We use Supabase for database hosting and authentication infrastructure
Legal Requirements: When required by law, court order, or to protect our legal rights
Business Transfers: In connection with a merger, acquisition, or sale of assets

4 Data Security

We implement industry-standard security measures:

Encryption in transit (HTTPS/TLS) and at rest
Secure password hashing (never stored in plain text)
Row-level security policies in our database
Regular security audits and updates
Access controls limiting data access to authorized personnel

While we strive to protect your data, no system is 100% secure. Please use a strong, unique password for your account.

5 Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. After account deletion:

Your personal data will be deleted within 30 days
Anonymized or aggregated data may be retained for analytics
Certain data may be retained as required by law

6 Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information:

🔍 Right to Know

You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, our business purposes for collecting it, and the categories of third parties with whom we share it.

🗑️ Right to Delete

You have the right to request deletion of your personal information, subject to certain exceptions (e.g., legal compliance, completing transactions, security purposes).

✏️ Right to Correct

You have the right to request correction of inaccurate personal information we maintain about you.

📦 Right to Portability

You have the right to request a copy of your personal information in a portable, readily usable format.

🚫 Right to Opt-Out of Sale/Sharing

We do not sell or share your personal information for cross-context behavioral advertising. Therefore, no opt-out is necessary.

⚖️ Right to Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights. You will not receive different pricing or quality of service.

🔒 Right to Limit Use of Sensitive Personal Information

We do not collect sensitive personal information as defined by the CPRA beyond what is necessary to provide our services.

How to Exercise Your Rights

To submit a request, email us at privacy@splitdolla.com or contact@splitdolla.com.

We will verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf.

Categories of Personal Information Collected (Last 12 Months)

• Identifiers: Name, email, phone number
• Commercial Information: Expense records, group memberships
• Internet Activity: Browser type, usage data

We do not collect: Social Security numbers, driver's license numbers, financial account numbers, precise geolocation, biometric data, or other sensitive categories.

7 Children's Privacy

SplitDolla is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete that information promptly.

8 Third-Party Services

Our Service may contain links to third-party services (e.g., Venmo). We are not responsible for the privacy practices of these services. We encourage you to review their privacy policies.

9 International Users

SplitDolla is operated from the United States. If you access the Service from outside the U.S., your information may be transferred to, stored, and processed in the United States where data protection laws may differ from your jurisdiction.

10 Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last Updated" date. For significant changes, we may also notify you via email.

11 Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

General Inquiries: contact@splitdolla.com

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