Privacy Policy

Split Kro • Effective date: 27 September 2026

This Privacy Policy explains how Split Kro ("we", "our", or "us") collects, uses, stores, and protects information when you use the Split Kro mobile application and related services.

Split Kro is an expense splitting and personal expense management application. Please make sure this policy matches the exact features and third-party services enabled in your production app before publishing it on Google Play.

1. Information We Collect

Depending on the features you use, we may collect the following information:

Account information: name, email address, mobile number, profile information, and account identifiers.
Group and expense information: group names, expense descriptions, amounts, categories, dates, participants, payers, balances, and settlement records.
Personal expense information: expense amounts, categories, dates, notes, and other information you choose to enter.
Invite information: group invitation links or invite tokens used to join groups.
Device and technical information: device type, operating system version, app version, language, diagnostic information, crash logs, and similar technical data.
Notification information: device notification token, if push notifications are enabled.
Support information: information you voluntarily provide when contacting us for help or feedback.

2. UPI and Payment Information

Split Kro may allow users to open a supported UPI application to settle an amount. Split Kro does not itself process or hold UPI payments unless expressly stated otherwise.

When you choose to pay using UPI, payment information may be handled by your selected UPI app, bank, payment service provider, or other financial institution under their own privacy policies and terms.

Split Kro may store settlement-related information that you enter or confirm in the app, such as the amount, payer, receiver, date, note, and settlement status. We do not require users to provide their UPI PIN to Split Kro, and you should never share your UPI PIN with us.

3. How We Use Information

Create and manage your Split Kro account.
Create and manage groups, expenses, balances, and settlements.
Calculate who owes whom within a group.
Provide personal expense tracking features.
Process group invitations and shared links.
Send relevant app notifications and reminders where enabled.
Maintain security, prevent abuse, and troubleshoot technical issues.
Improve app performance, reliability, usability, and features.
Respond to support requests and user feedback.
Comply with applicable legal obligations.

4. Information Sharing

We do not sell your personal information.

With other group members: expense, payer, participant, balance, and settlement information may be visible to members of the relevant group.
With service providers: trusted hosting, notification, analytics, crash-reporting, or infrastructure providers may process information on our behalf where those services are enabled.
For legal reasons: when required by law, regulation, court order, or a valid governmental request.
For safety and security: where reasonably necessary to detect fraud, abuse, security incidents, or violations of our terms.

5. Third-Party Services

Split Kro may use third-party services such as Firebase services, hosting providers, app stores, crash-reporting tools, analytics providers, or UPI/payment applications. These third parties may process information under their own privacy policies.

6. Data Storage and Security

We use reasonable technical and organizational safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission or electronic storage is completely secure.

7. Data Retention

We retain information for as long as reasonably necessary to provide the service, maintain financial and group history, comply with legal obligations, resolve disputes, prevent abuse, and enforce agreements.

8. Your Choices and Rights

Subject to applicable law, you may request access, correction, or deletion of certain personal information associated with your account. You may also disable notifications through your device settings.

9. Account Deletion

Users may request deletion of their Split Kro account and associated personal information, subject to information we are legally or operationally required to retain.

Before publishing on Google Play, provide an in-app account deletion option or a publicly accessible account-deletion request URL where required by Google Play policies.

10. Children's Privacy

Split Kro is not intended for children under the minimum age required to independently consent to data processing under applicable law. We do not knowingly collect personal information from children in violation of applicable law.

11. International Processing

Information may be processed or stored in locations where our hosting or service providers operate. Where required, we take reasonable steps to ensure appropriate protections are applied.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we may update the effective date above and provide notice within the app or through another appropriate method.

13. Contact Us

If you have questions, privacy requests, or account-deletion requests, contact:

Split Kro Support
Email: support@troislogic.com
Website: https://splitkaro.troislogic.com