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Privacy Policy — Splitlo

Last updated: 27 September 2026
Published by: PaisaSync, operated by Rounak Kumar Jha in Howrah, West Bengal, India
Contact: rounak@paisasync.app

Splitlo (the App) is a PaisaSync product for sharing expenses with other people: trips, shared flats, couples and dinners. Unlike PaisaSync's expense tracker, Splitlo is a shared app. Groups have to sync between the people in them, so group data is stored online. This policy explains what we store, who can see it, and how to have it deleted.

1. Privacy summary
Shared by design Everything in a group (expenses, payments, member names) is visible to every member of that group, and only to them.
Stored in India Group and account data is stored on Google Cloud (Firebase) in Mumbai, India (region asia-south1).
Your choice of sign-in Continue as a guest (anonymous account) or sign in with Google. Google sign-in adds your Google email and name, and lets you restore your groups on a new phone.
We never touch your money Splitlo does not hold, move or process payments. Settle-up opens your own UPI app or payment link; we do not see the outcome.
No bank access We do not ask for or connect to bank accounts, cards, UPI PINs, OTPs, SMS, PAN or Aadhaar.
Ads, never based on your expenses The free App shows ads from Google AdMob. AdMob uses standard device data such as the advertising ID. It never receives your expenses, group names, member names, UPI ID or payment links.
No data sales We never sell your data or use your expenses for advertising, lending or profiling.
Deletion by email Email us to delete your account; we complete it within 30 days (see section 9).

2. Information we store

Account When you first open the App you choose how to sign in:

  • Continue as a guest: we create an anonymous Splitlo user ID (Firebase Authentication). No email or other contact details are needed. You can link Google later.
  • Continue with Google (or link Google later): your Google account ID, email address, name and profile photo URL, as provided by Google. We use them only to sign you in and to restore your account on another device. We don't post anything to your Google account or read your contacts.

Profile (you enter it; you can change it any time in the App)

  • The name friends see.
  • Optionally, your UPI ID and a payment link (for example PayPal.me), so group members can pay you back.
  • Your default currency.

Groups (entered by you or other members)

  • Group name, type and currency.
  • Member names, including people who were added by name and have not joined.
  • Expenses: description, amount, currency, category, date, who paid and how it was split.
  • Payments recorded between members, including the method chosen (UPI, payment link or cash). We never receive bank or UPI transaction details.
  • An activity log of changes (who added, edited, deleted or restored an expense, and the amounts involved).

Invites (when available)

  • Invite codes for a group, who created them, when they expire and how many times they were used.

On your device

  • A local copy of your groups so the App works offline, and a record of whether the App has checked for an invite from the Play Store install.

3. Who can see your information

  • Members of the same group see that group's name, members, expenses, payments and activity log, and the display name, UPI ID and payment link of other members (used for settling up).
  • People who have an invite link to a group can see its name, how many members it has, the inviter's name and the names that haven't been claimed yet, so they can pick "which one is you".
  • Our service providers: Google (Firebase Authentication, Cloud Firestore and Cloud Functions) processes the data on our behalf to run the App. Google Play delivers the App and, in future, will process any in-app purchases.
  • Google AdMob (advertising): see section 6. AdMob receives device and ad-interaction data, not your Splitlo data.
  • Nobody else. We do not sell, rent or share your Splitlo data (profile, groups, expenses, payments) with advertisers, data brokers, lenders or other third parties. We may disclose information if Indian law requires it.

4. How we use information

Only to run Splitlo: syncing groups between members, calculating balances and suggested payments, showing the activity log, handling invites, keeping your account working across devices, preventing abuse, and answering your support requests.

5. Settling up

When you choose UPI, Splitlo opens a UPI app on your phone with the payee's UPI ID, the amount and a note filled in. The payment happens entirely inside that app. When you choose a payment link, Splitlo opens that link. Splitlo cannot see whether a payment succeeded, which is why it asks you to confirm before recording it.

6. Advertising

The free App shows ads served by Google AdMob. To show and measure ads, AdMob's SDK on your phone collects standard data: your device's advertising ID and app-set ID, IP address (from which an approximate location is inferred), device and app information, and how you interact with ads. Google processes it under its own policies: How Google uses information from apps that use its services.

We never pass your expenses, amounts, descriptions, group names, member names, UPI ID, payment links or email address to AdMob or use them to target ads. Ads are not shown on the screens where you add or edit expenses.

Your choices

  • In the European Economic Area, the UK and Switzerland, and wherever the law requires it, the App asks for your consent before showing personalised ads. You can change your choice from the App's settings.
  • On Android you can reset or delete your advertising ID, or opt out of personalised ads, in Settings › Google › Ads (or Settings › Privacy › Ads, depending on your phone). You'll still see ads, but they won't be personalised.

7. Security

Data travels over encrypted connections and is encrypted at rest by Google Cloud. Access rules on our database only let signed-in members read a group, and only our server code can add people to a group. No system is perfectly secure; if we become aware of a breach affecting your data, we will notify you and the relevant authorities as the law requires.

8. Data retention

We keep your account and profile while you use Splitlo. Group data is kept for as long as the group exists, because it belongs to all of its members. Deleted expenses are kept in a hidden state so they can be restored from the activity log. The local copy on your phone is removed when you uninstall the App.

9. Deleting your account

Account deletion is done by email only. Email rounak@paisasync.app with the subject "Delete my Splitlo account". Send it from the email address of the Google account you use with Splitlo or, if you use Splitlo as a guest, include your Splitlo ID (shown in the App under Account). Full steps: paisasync.app/splitlo/delete-account.

Within 30 days we will:

  • delete your profile (name, UPI ID, payment link, currency) and your login;
  • replace your name in every shared group with "Deleted user" and remove your UPI ID and payment link from them.

Expenses and payments in shared groups are not deleted, because they are also part of the other members' records and their balances depend on them. After deletion they are no longer linked to your name.

If someone added your name to a group without your consent, email us and we will remove or rename it.

10. Your rights

Under India's Digital Personal Data Protection Act, 2023 (and, where they apply, laws such as the GDPR), you can ask to access, correct or delete your personal data, and to nominate someone to exercise these rights. You can edit your name, UPI ID and payment link in the App at any time. For anything else, email us.

Grievance Officer: ROUNAK KUMAR JHA, rounak@paisasync.app
We will acknowledge grievances within 7 days and resolve them within 30 days.

11. Children

Splitlo is not directed at children. Under India's DPDP Act, anyone under 18 is treated as a child. Please do not use Splitlo if you are under 18 without a parent or guardian's consent. If you believe a child has provided personal data, contact us and we will delete it.

12. Changes to this policy

If we add features that change what we collect (for example analytics or in-app purchases in a future version), we will update this policy and the "Last updated" date before the change goes live, and highlight important changes in the App.

13. Contact

PaisaSync · Rounak Kumar Jha · Howrah, West Bengal, India · rounak@paisasync.app