Privacy Policy

1. Introduction

Welcome to OurSplit ("we," "our," or "us"). We are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App").

By using OurSplit, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Account Information

When you create an account, we collect:

• Email address: Used for authentication and account recovery
• Display name: Shown in your profile and shared accounts
• Profile picture: If you sign in with Google or Apple, we may receive your profile photo
• Authentication provider ID: Unique identifier from Google or Apple Sign-In

2.2 Financial Data

The App allows you to track expenses and income. We store:

• Expense and income records (amounts, descriptions, dates, categories)
• Personal and shared account information
• Recurring payment configurations
• Custom categories and preferences

Note: We do NOT collect or store credit card numbers, bank account details, or payment credentials. All subscription payments are processed securely by Apple App Store or Google Play Store.

2.3 Device Information

We automatically collect certain technical information:

• Device model and OS version: For debugging and compatibility
• App version: To provide appropriate features and updates
• Device ID: Anonymous identifier for analytics and push notifications
• Language preference: To provide content in your preferred language

2.4 Usage Data

We collect analytics data through Firebase Analytics and Google Analytics:

• App open/close events
• Screen views and navigation patterns
• Feature usage statistics
• Crash reports and error logs

2.5 Advertising Data

If you are a free user, we use Google AdMob to display advertisements:

• Advertising ID (IDFA on iOS, GAID on Android)
• Ad interaction data (impressions, clicks)
• General location (country/region level only, not precise location)

3. How We Use Your Information

We use your information for the following purposes:

• Account Management: Create, authenticate, and manage your account
• Cloud Synchronization: Sync your data across multiple devices
• Shared Accounts: Enable collaboration with other users (Pro feature)
• Subscription Management: Verify Pro subscription status via RevenueCat
• Push Notifications: Send invitations and account updates (with your permission)
• Analytics: Understand usage patterns and improve the App
• Advertising: Display relevant ads to free users
• Technical Support: Diagnose and resolve technical issues
• Legal Compliance: Comply with applicable laws and enforce our Terms of Service

4. Data Storage and Security

4.1 Local vs Cloud Storage

OurSplit offers two modes:

• Guest Mode (Local-Only): All data is stored locally on your device using SQLite. No data is sent to our servers. If you uninstall the app or lose your device, all data will be permanently lost.
• Account Mode (Cloud Sync): Data is securely synchronized with our cloud servers hosted on Render.com (AWS infrastructure) and stored in a PostgreSQL database.

4.2 Security Measures

We implement industry-standard security practices:

• Encryption in transit: All data transmitted between the App and our servers uses HTTPS/TLS
• Authentication: Firebase Authentication with secure token-based access
• Access controls: Users can only access their own data and explicitly shared accounts
• Secure storage: Sensitive tokens stored using platform-specific secure storage (Keychain on iOS, Keystore on Android)

Important: While we take reasonable measures to protect your data, no method of electronic storage is 100% secure. Use strong authentication methods and protect your device.

5. Data Sharing and Third Parties

We share your information with the following third-party services:

5.1 Service Providers

• Firebase (Google): Authentication, push notifications, analytics, and crash reporting
• RevenueCat: Subscription management and receipt validation
• Google AdMob: Advertisement delivery (free users only)
• Render.com: Cloud hosting infrastructure

5.2 App Store Providers

• Apple App Store: Payment processing for iOS subscriptions
• Google Play Store: Payment processing for Android subscriptions

5.3 Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights and safety.

5.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred. You will be notified via email and/or prominent notice in the App.

We do NOT sell your personal information to third parties.

6. User Rights and Choices

6.1 Access and Portability

You have the right to access and export your data. Contact us at soluzione.apps@gmail.com to request a copy of your data in JSON or CSV format.

6.2 Correction and Deletion

You can update your account information directly in the App under Settings. To permanently delete your account and all associated data:

• Go to Settings > Account > Delete Account
• Or email us at soluzione.apps@gmail.com

Deletion is permanent and irreversible. We will retain minimal information as required by law (e.g., transaction records for tax purposes).

6.3 Marketing Communications

We do not send marketing emails. Push notifications are limited to account activity (invitations, shared expense updates). You can disable push notifications in your device settings.

6.4 Advertising Opt-Out

To limit personalized ads:

• iOS: Settings > Privacy > Advertising > Limit Ad Tracking
• Android: Settings > Google > Ads > Opt out of Ads Personalization
• Or upgrade to Pro: No ads are shown to Pro subscribers

6.5 Do Not Track

We do not currently respond to "Do Not Track" browser signals as the App does not track browsing activity outside the application.

7. Children's Privacy

OurSplit is not intended for users under the age of 13 (or 16 in the European Economic Area). We do not knowingly collect personal information from children. If you believe we have collected data from a child, please contact us immediately, and we will delete it.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own, including the United States, where our servers are located. By using the App, you consent to such transfers. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

8.1 European Economic Area (EEA) Users

If you are located in the EEA, you have additional rights under GDPR:

• Right to access, rectification, erasure, and restriction of processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent at any time
• Right to lodge a complaint with a supervisory authority

9. Data Retention

We retain your information for as long as your account is active or as needed to provide services. Specific retention periods:

• Account data: Until you delete your account
• Financial records: Retained for up to 7 years for tax and legal compliance
• Analytics data: Aggregated and anonymized after 14 months (Firebase default)
• Crash logs: Retained for 90 days
• Deleted accounts: Permanently removed within 30 days, except as required by law

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Significant changes will be notified through:

• In-app notification
• Email to your registered email address

Continued use of the App after changes constitutes acceptance of the updated Privacy Policy.

11. Third-Party Services Privacy Policies

This Privacy Policy applies only to OurSplit. Third-party services have their own privacy policies:

• Google Privacy Policy (Firebase, AdMob, Analytics)
• Apple Privacy Policy (Sign in with Apple)
• RevenueCat Privacy Policy