Privacy Policy

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, we receive your email and basic profile information from Google to create and secure your account.
• 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.

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, and reliability. Some of this is collected by our service providers on our behalf. We don't use advertising trackers.
• 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.
• Plaid facilitates a secure, read-only connection to retrieve information like your institution name, account names and types, and current balances, so Split can display and organize them for you.
• 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 only ever reads your balances.
• We do not pull your transaction history. Split reads balances — not your purchases.
• 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.

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;
• 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 are processed securely by Stripe, Inc. ("Stripe").

• Your payment is handled directly by Stripe. Split does not collect or store your card or banking numbers.
• We receive limited information from Stripe to manage your subscription, such as your email and whether your subscription is active.

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.
• 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.

5. How we share information

We use a small number of trusted service providers to help operate Split. Each provider receives only the information necessary to perform its services, and none of them are permitted to use your information for their own advertising:

• Supabase — secure database and sign-in;
• Plaid — optional, read-only bank connections;
• Stripe — Premium subscription payments;
• Google — optional sign-in;
• Netlify and Cloudflare — hosting and delivery of the app;
• Resend — account emails;
• Sentry — error monitoring so we can fix crashes.

Beyond these providers, we share information only in limited circumstances:

• For legal reasons — if required by law or legal process, or to protect the rights, safety, and security of Split, our users, or the public.
• In a business transfer — if Split is involved in a merger, acquisition, or sale of assets, your information may transfer as part of that transaction. We'd notify you of any such change.

We never sell or rent your personal or financial information.

6. Your rights and choices

• Access and update. View and update most of your information directly in the app anytime.
• Delete your account. Email support@splitmoney.app from your account email and we'll delete your account and its data from our active systems. 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.
• 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.

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
• 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.

12. Contact us