Privacy Policy
Meet-n-Split
Last Updated: October 12, 2025
Your privacy is important to us. This Privacy Policy explains how Meet-n-Split ("we," "us," or "our") collects, uses, discloses, and protects your information when you use our mobile application and services.
1. Information We Collect
1.1 Information You Provide
When you use Meet-n-Split, we collect information that you voluntarily provide to us, including:
- Account Information: Name, email address, mobile number, profile picture
- Financial Information: Expense details, transaction amounts, payment notes, group memberships
- Contact Information: Friend lists and contact details you share for group expense splitting
- Payment Information: Subscription payment information processed through App Store/Google Play (we do not store payment card details)
- Communications: Messages you send through our in-app chat or support channels
1.2 Information Collected Automatically
We automatically collect certain information when you use our app:
- Device Information: Device model, operating system, unique device identifiers
- Usage Data: App features used, interaction data, session duration
- Location Data: Approximate location for merchant suggestions (only with your permission)
- Analytics Data: App performance metrics, crash reports, and usage statistics
1.3 Information from Third Parties
- Authentication Providers: If you sign in using third-party services (e.g., Google, Apple), we receive basic profile information
- Payment Processors: Transaction confirmation from App Store/Google Play for subscription verification
2. How We Use Your Information
We use the collected information for the following purposes:
2.1 Provide and Improve Services
- Create and manage your account
- Process and track expenses, bills, and settlements
- Enable group expense splitting and friend connections
- Provide Smart Money analytics and financial insights
- Generate expense reports and reminders
- Process subscription payments
2.2 Communication
- Send transaction notifications and payment reminders
- Provide customer support and respond to inquiries
- Send important updates about our services
- Deliver promotional content (with your consent)
2.3 Security and Compliance
- Detect and prevent fraud, abuse, and security incidents
- Comply with legal obligations and enforce our terms
- Protect the rights and safety of our users
2.4 Analytics and Improvement
- Analyze usage patterns to improve app functionality
- Develop new features and services
- Conduct research and testing
3. How We Share Your Information
We do not sell your personal information. We may share your information in the following circumstances:
3.1 With Your Consent
- Group Members: Expense details, names, and amounts are shared with group members you add
- Friends: Profile information is shared with users you connect with as friends
3.2 Service Providers
We share information with trusted third-party service providers who help us operate our services:
- Cloud Hosting: Firebase (Google Cloud Platform) for data storage and authentication
- Payment Processing: RevenueCat, Apple App Store, Google Play for subscription management
- Analytics: Firebase Analytics for app performance monitoring
- Push Notifications: Firebase Cloud Messaging for notifications
3.3 Legal Requirements
We may disclose your information if required by law, legal process, or government request, or to:
- Enforce our Terms of Service
- Protect our rights, property, or safety
- Prevent fraud or security issues
- Comply with legal obligations
3.4 Business Transfers
If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
4. Data Security
We implement industry-standard security measures to protect your information:
- Encryption: Data is encrypted in transit using HTTPS/TLS and at rest
- Authentication: Secure JWT-based authentication with optional biometric login
- Access Controls: Strict access controls and authentication requirements
- Monitoring: Regular security audits and monitoring for suspicious activity
- Firebase Security: Firestore security rules to protect user data
Note: While we take reasonable measures to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.
5. Data Retention
We retain your information for as long as necessary to provide our services and comply with legal obligations:
- Account Data: Retained while your account is active and for a reasonable period after deletion
- Transaction Records: Retained for 7 years for tax and legal compliance purposes
- Analytics Data: Aggregated and anonymized data may be retained indefinitely
- Support Communications: Retained for 2 years for customer service purposes
6. Your Rights and Choices
6.1 Access and Update
You can access and update your account information through the app's Profile section.
6.2 Data Deletion
You can request deletion of your account and data by:
Note: Some data may be retained for legal compliance purposes even after account deletion.
6.3 Marketing Communications
You can opt out of promotional emails by:
- Clicking "Unsubscribe" in any promotional email
- Adjusting notification preferences in the app
6.4 Location Permissions
You can control location access through your device settings at any time.
6.5 Contact Access
You can revoke contact access through your device settings. This will not affect existing friend connections.
7. Children's Privacy
Meet-n-Split is not intended for children under 13 years of age (or applicable age of consent in your jurisdiction). We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
8. International Data Transfers
Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our services, you consent to the transfer of your information to our facilities and service providers globally.
9. California Privacy Rights (CCPA)
If you are a California resident, you have the right to:
- Know: Request information about the categories and specific pieces of personal information we collect
- Delete: Request deletion of your personal information
- Opt-Out: Opt out of the sale of personal information (we do not sell your information)
- Non-Discrimination: Not be discriminated against for exercising these rights
To exercise these rights, contact us at admin@meetnsplit.com
10. European Privacy Rights (GDPR)
If you are in the European Economic Area (EEA), you have the following rights:
- Access: Request access to your personal data
- Rectification: Request correction of inaccurate data
- Erasure: Request deletion of your data ("right to be forgotten")
- Restriction: Request restriction of processing
- Portability: Request transfer of your data to another service
- Objection: Object to processing of your data
- Withdraw Consent: Withdraw consent at any time
To exercise these rights, contact us at admin@meetnsplit.com
11. Third-Party Services
Our app may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.
Third-party services we use:
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
- Posting the updated policy on this page with a new "Last Updated" date
- Sending an in-app notification or email
- Requiring acknowledgment upon your next login (for significant changes)
Your continued use of the app after changes constitutes acceptance of the updated policy.
13. Contact Us