Split ("Split," "we," "us," or "our") is operated by Split Technologies LLC, a California limited liability company. This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices you have. It applies to the Split app and website at splitmoney.app and splitmoneyapp.netlify.app, along with any future Split domains and mobile apps (together, the "Service").
We built Split to help people take control of their money. Because financial information is sensitive, we take privacy seriously and collect as little as we can. We've written this policy in plain English on purpose — if anything is unclear, email us at support@splitmoney.app and a human will answer. By using the Service, you agree to this Privacy Policy. If you don't agree, please don't use the Service.
1. Information we collect
We collect only what's needed to make Split work for you.
Information you provide
- Account information. Your email address when you create an account. If you sign in with Google or with Apple, we receive your email address, and from Google your basic profile information, to create and secure your account. If you use Apple's Hide My Email, the only address we ever see is the private relay address Apple gives us.
- Financial details you enter. The numbers you choose to enter — income, monthly bills, account balances, debts, financial goals, age, pay frequency, and your saved paycheck history. This powers your splits, net worth tracking, and projections.
- Preferences. Settings you choose, like your investing style, theme, and which account types you've turned on.
- Feedback you send. If you use Send feedback in Settings, we store what you write, whether you sent it from the website or the iPhone app, and when, linked to your account. A copy is emailed to our support inbox with your account email, so we can read it and reply. The app can send it but can't read it back. It's deleted from our database when you delete your account; the emailed copy stays in our support inbox.
Information collected automatically
- Basic technical data. We and our infrastructure providers collect standard technical information such as your IP address, browser and device type, approximate location, timestamps, log data, and error reports — used for security, troubleshooting, reliability, and counting page views on our website. Some of this is collected by our service providers on our behalf. We don't use advertising trackers, and we don't build an advertising profile of you.
- How you use the app. When you're signed in, Split records a short list of in-app events in our own database: reaching an onboarding step, finishing setup, creating your account and how (email or Apple), how you heard about Split (one answer from a short list), logging a paycheck (its count, such as your first or second, not its amount), finishing your moves (how many, and how long after logging), opening the Premium screen and from where, starting checkout, and saving a card (and which kind: streak, milestone or monthly), plus whether you're using the website or the iPhone app. These events are linked to your account so we can understand how Split is used and improve it. They never include a dollar amount or anything from a connected account. They're never shared with or sold to anyone, and they're deleted when you delete your account.
- Cookies and similar technologies. Split uses cookies and similar technologies (such as local storage) to keep you signed in, remember your preferences, and keep the app functioning properly.
Bank connections (optional)
Split offers an optional feature to securely connect your bank, savings, and investment accounts so balances update automatically, through our trusted partner Plaid Inc. ("Plaid").
- This feature is optional — you choose whether to connect an account. If you choose not to connect financial accounts, Split still works using the information you enter manually.
- Connecting a bank is part of Split Premium, including its free trial. On the free plan, you type your balances in yourself.
- Plaid facilitates a secure, read-only connection. It retrieves your institution name, your account names and types, and your current balances, so Split can display and organize them for you. When you connect, your bank's permission screen may list transactions. Split uses that access only for payday detection, if you turn it on, and we never store your transactions.
- Account-holder details stay with Plaid. To establish the connection, Plaid also collects the account-holder information your bank has on file, such as your name and address. Split does not request, receive, or store it.
- Split never receives or stores your bank login credentials. Those are handled directly by Plaid.
- Even with a connected account, Split only reads information. It does not move money, make transfers, or place trades.
- If Premium ends, we disconnect your bank connections within a month, because connected accounts are part of Premium. You can reconnect after upgrading.
- A bank you connected on the free plan before Premium-only connections is paused. Your last balance stays, Split reads nothing new from it, and we disconnect it after 30 days unless you start Premium or a free trial.
Payday detection (part of a connected bank)
- Part of connecting a bank. You agree to it on the screen before you connect a bank, and it runs while a bank is connected. Disconnecting your last bank stops it and deletes everything it saved.
- What it reads. When your bank reports new transactions, when you open Split, or on your expected payday, when Split asks your bank to check, Split asks Plaid for the last 45 days of transactions on your connected accounts. Our server keeps only deposits (money coming in). It compares withdrawals in memory only to spot transfers between your own accounts, then discards them without storing them. Your spending is never sent to your device and never saved.
- What you see. Split shows you deposits that might be a paycheck, with their amount, date and the description your bank shows, so it can ask "Is this your paycheck?" Nothing is saved as a paycheck until you confirm it.
- What we keep. A fingerprint of who pays you, not their name: a one-way code our server makes from the payer ID your bank provides, or from the payer's description when there isn't one, so Split can recognize the same payer again without storing who it is. With it, your typical paycheck amount, how many we've seen, and the date of the last one. We also keep one-way codes for deposits you've already answered, and for payers you told us aren't a paycheck, so we don't ask twice. For a deposit Split detects, we also keep a one-way code made from the payer and the rounded amount, used only to recognize the same deposit when your bank reports it twice (first pending, then posted), never the amount itself.
- What we never keep. Your transactions, their descriptions, payer or employer names, or anything about your spending. Our server logs counts only.
- Payday detection is part of Premium, because it needs a connected bank.
Payday alerts (iPhone app, optional)
- Off unless you allow them. The iPhone app asks during setup, and you can turn alerts off in Settings or in iOS Settings.
- What we store. A notification token for your phone and its time zone, so our server can send the alert and keep it out of the night: nothing between 9 PM and 7 AM. The token is deleted when you sign out on that phone or delete your account.
- What an alert says. “Payday, [your name]. Your plan’s ready.” It includes your typical paycheck amount only if you turn on “Show amounts in alerts.” It never includes anything from your transactions.
- When it arrives. When your bank reports the deposit to Plaid, which is usually the same day, not the moment the money lands.
2. How we use your information
We use the information we collect to:
- Provide the core Split features — splitting your paycheck, tracking net worth, and projecting your finances over time;
- Recognize your paycheck when it arrives, if you turn on payday detection;
- Create, secure, and maintain your account, and keep your data in sync across devices;
- Process Premium subscription payments;
- Respond to your support requests;
- Keep the Service secure and prevent fraud or abuse;
- Comply with our legal obligations.
We do not sell your personal information, share your financial information with advertisers, or create advertising profiles based on your information.
3. Payments
Split offers an optional paid subscription, "Split Premium." Payments made on splitmoney.app are processed securely by Stripe, Inc. ("Stripe"). Purchases made inside the iOS app are processed by Apple through the App Store.
- Your payment is handled directly by Stripe or by Apple. Split does not collect or store your card or banking numbers in either case.
- We receive limited information from Stripe to manage your subscription, such as your email, whether your subscription is active, and whether you're in a free trial and when it ends.
- From Apple we receive only a transaction identifier, whether the subscription is active, and whether it's in a free trial and when that ends. Apple does not share your name, email address, or payment details with Split.
4. How your information is stored and protected
- Where it lives. Your account and the details you enter are stored in a secure cloud database provided by Supabase, our backend infrastructure provider.
- A copy on your device. To keep Split fast and usable offline, a copy of your Split data (your pay plan, bills, balances, net worth and, if you use payday detection, the pattern it saved) is stored locally in your browser on the devices you use. This copy is cleared when you sign out. Before you have an account, the answers you give during setup are kept only in your browser, for up to 24 hours; when you create your account they are sent with your sign-up, so they can follow you to whichever device you confirm it on, and they are deleted from your account record the first time you sign in.
- Locked to your account. Access controls ensure only you, signed in, can view or change your information. Other users can't see your data.
- Security measures. We use industry-standard practices, including encryption in transit and at rest, and authenticated, access-controlled storage. Access to production systems is limited to authorized personnel who need it to operate and maintain Split.
- No system is perfectly secure. We work hard to protect your information, but no method of transmission or storage is 100% secure, and we can't guarantee absolute security. If a breach affecting your personal information ever occurs, we'll notify you as the law requires.
6. Your rights and choices
- Access and update. View and update most of your information directly in the app anytime.
- Delete your account. You can do this yourself in the app, under Settings › Delete account. It cancels any subscription, disconnects any linked bank, and removes your data from our active systems. You can also email support@splitmoney.app from your account email and we'll do it for you. Backups purge on a rolling basis after that.
- Export. Ask us for a copy of your data and we'll provide it.
- Disconnect bank accounts. If you've connected an account through Plaid, you can disconnect it anytime in the app. This ends our access through Plaid.
- Turn off payday detection. Disconnect your last bank in Settings. It deletes the fingerprints and pattern it saved.
- Cancel Premium. Cancel your subscription anytime.
- Email preferences. Unsubscribe links in every non-essential email.
California residents: the rights above cover the access, deletion, and disclosure rights in the California Consumer Privacy Act (CCPA/CPRA). We don't sell or "share" personal information as those laws define it, so there's nothing to opt out of — but if you have questions, email us at support@splitmoney.app. You won't be discriminated against for exercising any of these rights.
7. Data retention
We keep your information for as long as your account is active or as needed to provide the Service. If you delete your account, we'll delete or anonymize your personal information within a reasonable period, except where we're required to retain certain information to comply with legal obligations, resolve disputes, or enforce our agreements.
Backups. Our database provider takes an encrypted backup of our database once a day and keeps each one for 7 days. So for up to 7 days after you delete something, a copy can still exist in a backup that has not yet aged out. Backups are not used to restore individual records; they exist for disaster recovery.
8. Children's privacy
Split is intended for users who are at least 18 years old. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with personal information, email us at support@splitmoney.app and we'll take steps to delete it.
9. Third-party services
The Service relies on third-party services whose practices this policy doesn't cover. We encourage you to review their policies:
- Plaid — plaid.com/legal
- Stripe — stripe.com/privacy
- Supabase — supabase.com/privacy
- Google — policies.google.com/privacy
- Apple — apple.com/legal/privacy
- DolarAPI — dolarapi.com
- CriptoYa — criptoya.com
- datos.gob.ar — datos.gob.ar/acerca/seccion/legales
- Netlify — netlify.com/privacy
- Cloudflare — cloudflare.com/privacypolicy
- Resend — resend.com/legal/privacy-policy
- Sentry — sentry.io/privacy
10. Future features and mobile apps
We're actively developing Split, including native mobile apps (including for Apple's App Store). As we add features, we may update this policy. Any new feature involving your information will follow the same principles — minimal collection, no selling of your data, and you staying in control.
11. Changes to this policy
If we make material changes, we'll update the "Last updated" date above and notify you through the app or by email when appropriate. Changes take effect when we publish them.
12. Contact us
Split Technologies LLC
10265 Rockingham Dr., Ste. 100 PMB 6038
Sacramento, CA 95827
Email: support@splitmoney.app