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Splits Privacy Policy

Effective Date: June 30, 2026

1. Introduction

Splits is a free app for tracking shared group expenses, operated by Dialvia Limited ("we", "us", or "our"). This policy explains what information Splits collects, how we use it, and the choices you have. Splits is free, contains no advertising, and we never sell your data.

2. Seamless Sign-In (No Account, No Password)

Splits does not use email addresses, passwords, or social/OAuth logins. Instead, it identifies you using Apple's iCloud (CloudKit), which provides an anonymous, app-specific identifier for your device's Apple ID. We never receive your Apple ID, your email, or your real name from Apple. The only name associated with your account is the display name you choose to enter.

3. Information We Collect

  • Display name: The name you enter so group members can recognise you.
  • Anonymous identifier: The iCloud user identifier described above, used only to recognise you across sessions and devices.
  • Group & expense content you create: Group names, invite codes, expense titles, amounts, currencies, dates, optional notes, who paid, how each expense is split, and settlement records.

We do not collect your email, password, phone number, contacts, location, photos, payment or card details, or advertising identifiers.

4. How We Use Your Data

  • To store and display your groups, expenses, and balances.
  • To calculate who owes whom and simplify debts into the fewest transfers.
  • To record settlements so balances stay accurate.

That is the full extent of how we use your information. We do not use it for advertising or profiling.

5. Currency Conversion

When you record an expense in a currency other than your group's base currency, we request an exchange rate from a third-party rate provider (Frankfurter). Only the currency codes and the date are sent — never any personal or financial detail about you or your group.

6. No Sale of Data, No Tracking

We do not sell, rent, or trade your personal information. Splits contains no third-party advertising or analytics SDKs and does not track you across other apps or websites. We use a small number of infrastructure providers solely to operate the service:

  • Apple iCloud / CloudKit (anonymous sign-in identity)
  • Cloudflare (security and content delivery)
  • Hetzner (server hosting, located in the EU)

7. Data Security

All traffic between the app and our servers is encrypted in transit using HTTPS/TLS. Your session is authenticated with a private token, and access to your group's data is restricted to members of that group. No system is entirely secure, but we apply industry-standard technical and organisational measures to protect your information.

8. Account Deletion & Data Retention

You can delete your account at any time from within the app (Settings → Delete Account). When you do, we remove your display name and permanently unlink your iCloud identity so the account can never be accessed again. Because expenses and settlements are shared with other group members, those financial records are retained in anonymised form (shown as "Deleted User") so that everyone else's balances remain correct.

9. Your Rights

You may request access to, correction of, or deletion of your personal data at any time. Deletion is available directly in the app, or you can contact us at [email protected] and we will respond within a reasonable timeframe.

10. Children's Privacy

Splits is not intended for users under 16, and we do not knowingly collect data from minors.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will revise the effective date above, and your continued use of Splits indicates acceptance of any changes.

12. Contact Us

For any privacy questions or requests, email [email protected].

About Us

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