Privacy Policy

1. Introduction

SplitDo ("we," "our," or "us") is a blockchain-based financial splitting application that helps users manage shared expenses with friends and groups. This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application and related services.

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

2. Developer Information

Company: SplitDo Inc.
Contact Email: privacy@splitdo.com
Address: [Your Business Address]
Privacy Officer: privacy@splitdo.com

3. Information We Collect

3.1 Personal Information

• Account information (username, email address)
• Profile information (display name, profile picture)
• Contact information for connecting with friends
• Financial transaction data (expense amounts, descriptions, categories)
• Device information (device ID, operating system, app version)

3.2 Blockchain and Wallet Data

• Blockchain wallet addresses (publicly visible on blockchain)
• Transaction hashes and blockchain transaction data
• Private keys (stored locally on your device only - we never access or store private keys)
• Cryptocurrency balance information

3.3 Usage Data

• App usage analytics and performance data
• Error logs and crash reports
• Feature usage statistics

4. How We Use Your Information

• Provide and maintain our expense splitting services
• Process and track shared expenses and settlements
• Enable peer-to-peer connections and group management
• Facilitate blockchain transactions for settlements
• Improve app functionality and user experience
• Provide customer support and respond to inquiries
• Send important notifications about your account and transactions
• Comply with legal obligations and prevent fraud

5. Blockchain and Cryptocurrency Considerations

5.1 Non-Custodial Wallet

SplitDo operates as a non-custodial wallet application. Your private keys are generated and stored locally on your device. We never have access to, store, or transmit your private keys. You maintain full control and responsibility for your cryptocurrency assets.

5.2 Blockchain Transparency

All blockchain transactions are publicly visible on the respective blockchain networks. While wallet addresses may be pseudonymous, transaction data including amounts and addresses are permanently recorded on public blockchains.

5.3 Transaction Data

We may associate blockchain transactions with expense splitting activities within the app to provide transaction history and settlement tracking features.

6. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• With Other Users: When you participate in shared expenses, other group members can see relevant transaction details
• Service Providers: With trusted third-party services that help us operate the app (analytics, cloud storage, customer support)
• Legal Requirements: When required by law, regulation, or legal process
• Safety and Security: To protect our users, app, or others from fraud or illegal activities
• Business Transfers: In case of merger, acquisition, or sale of assets

7. Data Security and Protection

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

• End-to-end encryption for sensitive data transmission
• Secure local storage of private keys on your device
• Regular security audits and updates
• Access controls and authentication requirements
• Monitoring for unauthorized access and suspicious activities

8. Your Privacy Rights

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request transfer of your data to another service
• Opt-out: Unsubscribe from marketing communications
• Restrict Processing: Request limitation of how we process your information

To exercise these rights, contact us at privacy@splitdo.com.

9. Age Restrictions

SplitDo is intended for users aged 18 and older. We do not knowingly collect personal information from individuals under 18. If you are under 18, please do not use our services or provide any personal information.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

11. Third-Party Services

Our app may contain links to third-party websites or integrate with third-party services. This Privacy Policy does not apply to these external services. We recommend reviewing the privacy policies of any third-party services you use.

We may use third-party analytics services to understand app usage and improve our services. These services may collect information about your use of the app.

12. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Account information and transaction history may be retained even after account deletion for legal and regulatory compliance purposes.

13. Financial Compliance

As a financial application, we may be required to comply with anti-money laundering (AML) and know-your-customer (KYC) regulations. This may include verifying user identities and monitoring transactions for suspicious activities.

14. Updates 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 new Privacy Policy in the app and updating the "Last Updated" date. Your continued use of the app after changes constitute acceptance of the updated policy.

15. Contact Us

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