Splitwisse Simple expense sharing
Privacy & Data Protection

Privacy Policy

This policy explains what information Splitwisse collects, why we collect it, how we use it, and the choices available to you.

Last updated: July 23, 2026 Effective: July 23, 2026
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01

Introduction

Welcome to Splitwisse (the “App”), developed and operated by Karmadude IT Solutions (“we”, “us”, or “our”). We are committed to protecting your privacy and handling your personal information safely and responsibly.

This Privacy Policy explains how we collect, use, process, store, and protect your information when you use the Splitwisse mobile application and its associated services.

By downloading, installing, accessing, or using Splitwisse, you acknowledge that you have read and understood this Privacy Policy.

02

Information We Collect

To provide expense-sharing, bill-splitting, group management, and messaging features, we may collect the following categories of information.

Account and Registration Details

We may collect your full name, email address, profile picture, and selected avatar. When you use Google Sign-In, we receive basic profile information authorized by Google.

Expense and Transaction Records

We collect information you enter about expenses, including amount, date, description, category, payer, participants, split method, and settlement status.

Group Chats and Messages

Messages exchanged with friends or group members may be processed and stored so they can be synchronized and delivered to intended recipients.

Usage and Device Information

We may collect device model, operating-system version, app version, network information, crash diagnostics, and notification tokens required to operate the service reliably.

03

App Permissions and Feature Disclosures

Splitwisse requests device permissions only when they are needed for a feature you choose to use.

Camera Access — Receipt Scanning and OCR

Camera access lets you capture bills and receipts. Images may be processed with Google ML Kit Text Recognition to identify text and amounts for quicker expense entry.

android.permission.CAMERA

Contacts — Finding and Inviting Friends

Contacts access lets you search and select people to invite or add to an expense. Contact matching should be limited to the data required to identify existing users, and your complete contacts database is not intended to be stored by us.

android.permission.READ_CONTACTS

Biometric Authentication — App Lock

Biometric authentication allows you to unlock Splitwisse using supported device security such as fingerprint or facial recognition. Splitwisse does not receive or store your raw biometric information.

android.permission.USE_BIOMETRIC

Push Notifications

Notification permission allows us to inform you about expenses, friend or group activity, chat messages, reminders, and settlements relevant to your account.

android.permission.POST_NOTIFICATIONS
04

How We Use Your Information

We use collected information to operate, secure, and improve Splitwisse, including:

  • Creating, managing, and securing your account.
  • Calculating balances, debts, shares, and settlements.
  • Synchronizing groups, expenses, and chat activity.
  • Delivering push notifications and real-time updates.
  • Processing receipt images for OCR-assisted expense entry.
  • Preventing abuse, investigating errors, and maintaining service security.
  • Monitoring app stability and diagnosing crashes through tools such as Firebase Crashlytics.
05

Data Sharing and Disclosure

We do not sell or rent your personal information. We may share limited information only when necessary for the following purposes:

  • Other users: Your name, avatar, expense details, messages, and relevant account information may be visible to people with whom you interact.
  • Service providers: Trusted providers may process limited data for hosting, authentication, notifications, analytics, crash reporting, or related services.
  • Legal requirements: We may disclose information when required by law, regulation, court order, or a valid request from an authorized public authority.
  • Business protection: Information may be used or disclosed where reasonably necessary to protect users, prevent fraud, enforce our terms, or defend legal rights.
06

Data Security and Storage

We use reasonable technical and organizational safeguards, including encrypted network communication using SSL/TLS, access controls, secure authentication practices, and protected cloud infrastructure.

Passwords, session credentials, and tokens should be stored using appropriate security practices. However, no internet transmission or storage method can be guaranteed to be completely secure.

Please protect your account credentials and notify us promptly if you believe your account has been accessed without permission.
07

Your Rights and Data Deletion

Subject to applicable law, you may request access to, correction of, or deletion of personal information associated with your account.

You may initiate account deletion from the account settings available inside the App. You may also contact us at support@karmadude.in.

Some information may be retained where required for legal, security, fraud-prevention, accounting, dispute-resolution, or legitimate operational purposes.

08

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When changes are made, we will publish the revised policy on this page and update the “Last updated” date.

Where required, we may also provide an in-app notice or request renewed consent for material changes.

09

Contact Us

For privacy questions, data requests, or concerns about this policy, contact us using the details below.

Karmadude IT Solutions