Privacy Policy for Splitdown

Sunleaf System Pvt. Ltd. ("we," "us," or "our") operates the Splitdown mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App.

By using Splitdown, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our App.

Company Information:
Sunleaf System Pvt. Ltd.
Nepal
Email: sunleafsystem2025@gmail.com
Website: sunleafsystem.com.np

We collect several types of information from and about users of our App, including:

2.1 Personal Information You Provide

Account Information: Name, email address, phone number (optional), and profile picture

User-Generated Content: Groups you create, friends you add, expense details, transaction descriptions, receipts, and notes

Payment Information: If you use premium features, payment information is processed by third-party payment processors (we do not store credit card details)

Communications: Messages you send through the App and correspondence with our support team

2.2 Automatically Collected Information

Device Information: Device model, operating system version, unique device identifiers, mobile network information

Usage Data: App features used, time spent in the App, interaction with notifications, frequency of use

Log Data: IP address, access times, app crashes, performance data, and error reports

Location Data: Approximate location based on IP address (we do not collect precise GPS location)

2.3 Information from Third-Party Services

If you choose to sign in using third-party services (Google, Facebook, Apple), we may receive:

Profile information (name, email, profile picture)

Authentication tokens

Any other information you authorize the third-party service to share

2.4 Permissions We Request

The App may request the following permissions (all optional):

Camera: To capture photos of receipts and bills

Storage/Photos: To upload receipt images and save expense reports

Notifications: To send reminders, payment alerts, and group activity updates

Contacts: To easily add friends to groups (only with your explicit permission)

You can revoke these permissions at any time through your device settings.

We use the collected information for the following purposes:

3.1 To Provide and Maintain Our Service

Create and manage your account

Process and track expenses, splits, and settlements

Sync data across your devices

Enable group collaboration and expense sharing

3.2 To Communicate with You

Send transaction notifications and payment reminders

Notify you of group activity and updates

Respond to your inquiries and support requests

Send important updates about the App and our policies

3.3 To Improve Our Service

Analyze usage patterns to enhance user experience

Monitor and analyze trends, usage, and activities

Detect, prevent, and address technical issues and bugs

Develop new features and functionality

3.4 For Security and Fraud Prevention

Protect against unauthorized access and abuse

Verify user identity and prevent fraudulent transactions

Enforce our Terms of Service

We do NOT:
• Sell your personal information to third parties
• Use your data for targeted advertising
• Share your expense details with anyone outside your groups

We may share your information with trusted third-party service providers who assist us in operating our App. These parties are obligated to keep your information confidential and use it only for the purposes we specify.

4.1 Service Providers We Use

Firebase (Google LLC): Cloud storage, authentication, real-time database, and analytics

Cloud Storage Services: For storing receipts and backup data

Analytics Services: To understand app usage and improve performance (Google Analytics, Firebase Analytics)

Crash Reporting: To identify and fix bugs (Firebase Crashlytics)

Payment Processors: For processing premium subscriptions (if applicable)

4.2 When We May Disclose Your Information

Legal Compliance: When required by law, court order, or government regulation

Protection of Rights: To protect our rights, privacy, safety, or property, and that of our users

Business Transfers: In connection with a merger, acquisition, or sale of assets (you will be notified)

With Your Consent: When you explicitly authorize us to share your information

4.3 Links to Third-Party Services

Our App may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

5.1 Data Storage

Your data is stored on secure servers provided by Firebase (Google Cloud Platform). Data may be transferred to and stored in countries outside your country of residence, including the United States, where data protection laws may differ.

5.2 Security Measures

We implement industry-standard security measures to protect your information:

Data encryption in transit (TLS/SSL) and at rest

Secure authentication protocols

Regular security audits and updates

Access controls and authentication requirements

Firewall protection and intrusion detection

Important: While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

5.3 Data Retention

We retain your personal information for as long as your account is active

After account deletion, personal data is permanently removed within 30 days

Some information may be retained longer if required by law or for legitimate business purposes (e.g., dispute resolution, fraud prevention)

Anonymized or aggregated data may be retained indefinitely for analytics purposes

Depending on your location, you may have certain rights regarding your personal information:

6.1 General Rights

Access: Request a copy of the personal information we hold about you

Correction: Update or correct inaccurate or incomplete information

Deletion: Request deletion of your personal information (subject to legal obligations)

Data Portability: Receive your data in a structured, machine-readable format

Objection: Object to certain processing of your personal information

Restriction: Request restriction of processing in certain circumstances

6.2 How to Exercise Your Rights

You can exercise these rights by:

Accessing your account settings within the App

Contacting us at sunleafsystem2025@gmail.com

Using the in-app "Delete Account" feature for permanent account deletion

We will respond to your request within 30 days. For security purposes, we may need to verify your identity before processing your request.

6.3 GDPR Rights (European Users)

If you are located in the European Economic Area (EEA), you have additional rights under GDPR:

Right to withdraw consent at any time

Right to lodge a complaint with a supervisory authority

Right to know the legal basis for processing your data

6.4 CCPA Rights (California Users)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information is collected, used, shared, or sold

Right to delete personal information

Right to opt-out of the sale of personal information (we do not sell your data)

Right to non-discrimination for exercising your rights

You have the right to delete your account and all associated data at any time.

7.1 How to Delete Your Account

Open the Splitdown app

Go to Settings → Account Settings

Select "Delete Account"

Confirm your decision

Alternatively, you can request account deletion by emailing us at sunleafsystem2025@gmail.com with the subject line "Account Deletion Request."

7.2 What Happens When You Delete Your Account

Your profile, groups, and expense data will be permanently deleted within 30 days

You will be removed from all shared groups

Other group members will no longer see your personal information

Some data may be retained if required by law or for fraud prevention

Warning: Account deletion is permanent and cannot be undone. Please export any data you wish to keep before deleting your account.

Splitdown is not intended for use by children under the age of 13 (or the applicable age of digital consent in your jurisdiction). We do not knowingly collect personal information from children under 13.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at sunleafsystem2025@gmail.com. We will take steps to delete such information from our systems.

If we discover that we have collected personal information from a child under 13 without parental consent, we will delete that information as quickly as possible.

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ.

If you are located outside Nepal and choose to use our App, please note that we transfer data, including personal information, to Nepal and other countries where our service providers operate, and process it there.

By using Splitdown, you consent to the transfer of your information to countries outside your country of residence, which may have different data protection rules.

While our mobile app does not use traditional browser cookies, we use similar technologies to collect information and improve our services:

10.1 Technologies We Use

Local Storage: To store user preferences and app settings on your device

Analytics SDKs: To collect usage statistics and performance data

Session Identifiers: To maintain your logged-in state

Device Identifiers: To recognize your device and prevent fraud

10.2 Managing Tracking Preferences

You can control certain tracking features through:

Your device settings (e.g., "Limit Ad Tracking" on iOS, "Opt out of Ads Personalization" on Android)

App settings within Splitdown

Disabling analytics in the app's privacy settings

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

When we make changes, we will:

Update the "Last Updated" date at the top of this policy

Notify you through the App or via email for material changes

Obtain your consent if required by applicable law

We encourage you to review this Privacy Policy periodically. Your continued use of the App after changes are posted constitutes your acceptance of the updated policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: