Privacy Policy

Last updated: 5 July 2026

Settle ("Settle", "we", "us") is an expense-splitting app that helps friends track shared costs and settle up. This policy explains what we collect, why, and your choices. Settle is operated by an individual developer (contact below), not a company.

What we collect

You give us:

• Account identity — when you sign in with Apple or Google, we receive your name, email address, and (if available) profile photo from that provider.
• Phone number — you may add a phone number to your profile so friends who have your number in their contacts can find you on Settle. It is optional.
• UPI ID — if you choose to add one, so others can pay you back via UPI. It is optional and shown only to people you share groups with.
• Expense data — amounts, descriptions, dates, categories, group membership, who paid, how a cost is split, settlements you record, and any comments.
• Receipt images — if you attach a photo to an expense, we store that image.

From your device (only with your permission):

• Contacts — if you grant contacts access, we check your contacts against Settle accounts to show which of your friends already use the app. We match on phone number/email; we do not upload or store your full address book, and you can decline this and still use every feature.
• Camera / photo library — used only to attach a receipt image you pick.

We do NOT collect: advertising identifiers, location, browsing history, or behavioral analytics. Settle contains no third-party advertising or analytics SDKs and does not track you across other apps or websites.

How we use it

• To provide the core service: create groups, record expenses, compute balances, and let group members settle up.
• To let friends find each other (phone/contacts matching, as described above).
• To show currency-conversion figures using daily exchange rates (we send only currency codes to a rate provider — never your personal or expense data).
• To send you local reminders and notifications from the app.

We do not sell your data. We do not use it for advertising.

Who can see your data

• Other members of a group can see the expenses, balances, your display name, avatar, and (if set) your UPI ID within that group.
• Service providers we rely on to run the app:
  • Supabase — our database, authentication, storage, and sync provider, which hosts your account and expense data on our behalf.
  • Apple / Google — identity providers you choose to sign in with.
  • open.er-api.com — a public exchange-rate source (receives currency codes only, no personal data).

We share data with these providers only as needed to operate Settle.

Data retention & deletion

Your data is kept while your account is active. You can delete your account at any time from within the app (Profile → Account → Delete account), which removes your profile and associated data. Some records may persist briefly in backups before being purged.

Security

Data is transmitted over encrypted connections (HTTPS/TLS) and access to your data is restricted by row-level security so that only you and your group members can read it.

Children

Settle is not directed to children under 13 and we do not knowingly collect data from them.

Your rights

You can access, correct, or delete your information from within the app, or by contacting us. Depending on where you live, you may have additional rights over your personal data.

Changes

We may update this policy; material changes will be reflected by the "Last updated" date above.

Contact

Questions or requests: yashvardhanbhardwaj@outlook.com