1. Introduction

Welcome to SplitVerse (“SplitVerse”, “we”, “our”, or “us”).

We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, share, and protect your information when you use the SplitVerse mobile application (the “App”).

By using SplitVerse, you acknowledge and agree to the practices described in this Privacy Policy.

If you do not agree with this Privacy Policy, please discontinue use of the App.

2. Information We Collect

We collect information necessary to provide, maintain, and improve SplitVerse.

a) Account Information

When you create an account or sign in, we may collect:

• Name
• Email address
• Profile photo (if provided)
• Authentication details from sign-in providers (such as Google or Apple Sign-In)
• Account identifiers required to maintain your profile and app functionality

b) Profile & Contact Information

To support friend management and expense-sharing experiences, we may collect:

• Profile image (if uploaded)
• Friend and participant information you manually create
• Contact information (only if permission is granted)

If you choose to allow Contacts access, SplitVerse may help you find or add people to groups more easily.

We do not automatically contact people on your behalf.

c) Expense, Group & Trip Information

To provide expense-sharing functionality, we collect information you create within the App, including:

• Expenses and transaction amounts
• Expense descriptions, notes, and categories
• Group, trip, and participant information
• Settlement records and balances
• Split calculations and payer information
• Recurring expense and recurring income schedules
• Nudges or reminder actions initiated by users

This information is used to help calculate balances, simplify settlements, and provide expense history and insights.

d) Receipt Scanning, OCR & Image Data

If you choose to use receipt scanning or OCR features, SplitVerse may process:

• Receipt images uploaded by you
• Text extracted from receipts to simplify expense creation

Receipt images and OCR processing are used solely to provide requested functionality and improve expense entry convenience and accuracy.

e) SMS-Based Expense Detection (Android Only – Optional)

If you explicitly enable Smart Expense Sync on supported Android devices, SplitVerse may process transaction-related SMS messages to help identify debit, bank, and UPI expenses for easier expense creation.

Important:

• SMS access is strictly optional
• SplitVerse only accesses SMS if you explicitly grant permission
• SMS data is used only to detect relevant financial transaction messages
• Messages are processed solely to provide expense-detection functionality
• SMS data is not sold
• Messages are not used for advertising
• SplitVerse does not access unrelated personal SMS content intentionally

On iOS, SplitVerse does not access SMS inboxes and instead supports manual message pasting for transaction detection.

f) Device, Diagnostic & Usage Information

We may automatically collect limited technical information, including:

• Device type and operating system
• App version
• Crash logs and diagnostic information
• Feature usage patterns
• App performance and reliability metrics

This helps us:

• Improve app performance
• Fix bugs and crashes
• Improve reliability and security
• Optimize user experience

g) Notifications & Preferences

If enabled, we may use notification preferences to send:

• Settlement reminders
• Group and trip activity updates
• Expense-related reminders
• Recurring expense reminders
• Important service or account notices

You may disable notifications at any time through device settings.

3. Permissions We Request

Depending on the features you use, SplitVerse may request access to:

Camera

Used to:

• Scan receipts
• Capture bills
• Extract expense information using OCR

Photos / Media Library

Used to:

• Upload receipt images
• Set profile pictures
• Attach expense-related images

Contacts (Optional)

Used to:

• Help add friends and participants faster
• Select contacts for groups and trips

Contacts access is optional.

Notifications

Used to:

• Send reminders
• Notify about group activity
• Provide settlement and recurring alerts

SMS (Android Only – Optional)

Used to:

• Detect relevant transaction-related SMS messages
• Help create expenses from bank and UPI transaction messages

SMS access is optional and only used if explicitly enabled by you.

4. How We Use Your Information

We use collected information to:

• Provide, operate, and maintain SplitVerse
• Create and manage expenses, groups, trips, settlements, and balances
• Process recurring expenses and reminders
• Generate spending insights and analytics within the App
• Improve expense tracking and automation features
• Detect bugs, crashes, misuse, and security issues
• Improve app performance and reliability
• Send service-related notifications
• Respond to support inquiries
• Improve product experience and usability

We do not sell personal information.

We do not use your information for unrelated advertising purposes.

5. Sharing of Information

We do not sell your personal information.

We may share limited information only in the following situations:

Service Providers

We may use trusted infrastructure and service providers to operate SplitVerse (such as authentication, databases, analytics, notifications, or hosting providers).

These providers may process data only as necessary to support the App.

Legal Requirements

We may disclose information if required to:

• Comply with legal obligations
• Respond to lawful government requests
• Enforce our legal rights
• Protect user safety or prevent fraud

Business Transfers

If SplitVerse is involved in a merger, acquisition, or asset transfer, your information may be transferred as part of that transaction.

6. How We Store & Protect Information

We use commercially reasonable safeguards to help protect your information.

Your data may be stored using secure cloud infrastructure and protected through measures such as:

• Encryption in transit
• Secure authentication systems
• Access controls
• Reasonable security safeguards

However, no system can guarantee absolute security.

While we strive to protect your information, use of the App is at your own risk.

7. Data Retention

We retain information for as long as reasonably necessary to:

• Provide SplitVerse functionality
• Maintain account history
• Comply with legal obligations
• Resolve disputes and improve services

If you delete your account, we will make reasonable efforts to delete or anonymize personal data within a reasonable timeframe, unless retention is legally required.

8. Your Choices & Controls

You may:

• Update profile information
• Remove profile images
• Disable notifications
• Revoke permissions (Camera, Contacts, SMS, Notifications, etc.) from device settings
• Stop using optional features such as Smart Expense Sync
• Delete your account where supported

Disabling permissions may limit certain app functionality.

9. Children’s Privacy

SplitVerse is not intended for children under the age required by applicable law in your jurisdiction.

We do not knowingly collect personal information from children.

If you believe a child has provided information to us, please contact us so appropriate action can be taken.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

If material changes are made, we may notify users through the App or update the “Last Updated” date above.

Your continued use of SplitVerse after updates constitutes acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy or your data, please contact:

SplitVerse Support
Email: supportsplitverse@gmail.com