Privacy Policy

Last updated: 30 October 2026. Splittr is run by Vishal Das, Bengaluru, Karnataka, India ("we").

The short version

• Bank alerts are read on your phone: on Android from your texts and payment notifications, on iPhone only the texts your Shortcut automation passes to Splittr. Only debit and UPI alerts are kept, and only the amount, shop, account ending and time. Personal messages and one-time codes are skipped and never leave your phone.
• When you split a payment, the split (what, how much, who paid, and each person's name, phone number and share) is backed up to our servers under your account, so it comes back if you change phones. Nobody else can see it.
• If you connect Gmail, we read only emails that look like receipts or payment alerts, and keep only the shop, amount, time and card or UPI account. Never the email itself.
• We don't sell your data or show ads.

What we collect

• Account: your email address (verified by an emailed code), the name you give, and optionally your UPI ID.
• Splits and groups: titles, amounts, dates, categories, who paid, who owes what, and the names and phone numbers of the people you add.
• Settle-ups: amount, method (UPI, cash, bank transfer) and status.
• Pay links: your UPI ID, name, amount and note, so a friend can open the link and pay you.
• On your phone only: detected payments you haven't split, the original alert text, and your contacts list (read to show who you can split with; only people you split with are uploaded). Also the shop names you correct while splitting, so the next alert from that shop is named right, and outlines of alerts Splittr couldn't read, with names and numbers masked; you can share these with us from Payment sources if you choose.
• Gmail receipts (optional): if you connect Gmail, the shop or payee, amount, date and the card or UPI account from receipt and payment-alert emails, your Gmail address, and Google's access token for your mailbox. See Gmail below.
• Beta sign-ups: if you ask to join the beta on our website, your email address and whether you use Android or iPhone. We use them only to add you to the testers’ list on Google Play (a Google Group) and to email you the link, or to tell you when the iPhone app is ready, and delete them once Splittr is publicly available or when you ask.
• Crash reports: when the app crashes, the app version, device model, OS version and the error, sent to our database the next time you open Splittr. They aren't linked to your account and contain no messages, contacts or screenshots.

Gmail (optional)

If you connect Gmail, Splittr asks Google for read-only access (gmail.readonly). We use it only to find receipts and payment alerts, such as food delivery, cab and shopping receipts and bank or card alerts, so we can ask whether you want to split them. From each of those emails we keep the merchant name, the amount, the date and which card or UPI account paid, and nothing else. We don't store email bodies, attachments, contacts or any other messages. Emails that don't look like receipts are skipped after reading the sender and subject. Google's access token for your mailbox is kept encrypted on our servers.

We never send, delete or change anything in your mailbox. We never use Gmail data for advertising, never sell it, and never use it to train AI models. People at Splittr can't read your email. The only exceptions are with your explicit consent for a specific message, for security purposes such as investigating abuse, to comply with the law, or when the data has been aggregated and anonymised.

You can disconnect Gmail at any time in Splittr under Payment sources. This revokes our access with Google and deletes the receipts we stored. Deleting your Splittr account does the same.

Splittr's use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

Why

To sign you in, back up your splits and balances, create pay links, and fix crashes. We process your data on the basis of your consent, which you give when you sign up and when you allow SMS, notification or contacts access, set up the Shortcut on iPhone, or connect Gmail. You can withdraw consent at any time by turning off those permissions or deleting your account.

Who we share it with

• People in your splits only see what you send them on WhatsApp or SMS: their share, your name and a link to pay you.
• Service providers who process data for us: Supabase (database and sign-in, servers in Singapore), our email provider (to send sign-in codes), Google (beta testers’ email addresses, to give you access to the test on Google Play), UserJot (help, feedback and requests you send us), and Google (to read receipt emails if you connect Gmail, and to deliver notifications to your phone).
• Authorities, if the law requires it.

WhatsApp and SMS messages are sent by you from your own apps; Splittr only fills in the text.

How long we keep it

As long as your account exists. When you delete your account, everything stored under it (profile, splits, groups, the people you added, settle-ups, pay links, and Gmail receipts and access) is deleted straight away. Disconnecting Gmail deletes its receipts and access straight away too.

Your rights

You can see and correct your data in the app, delete your account from Profile › Delete account, and ask us about your data or raise a grievance with our Grievance Officer, Vishal Das, at splittr.userjot.com. We reply within 30 days. You can also complain to the Data Protection Board of India.

Children

Splittr is not meant for anyone under 18.

Changes

We'll tell you in the app before material changes take effect.