Privacy Policy
Last updated November 9, 2026
SplitOtter ("we", "us") is an app for splitting expenses with other people. This policy explains what we collect when you use SplitOtter on the web at app.splitotter.com or in our mobile apps, why we collect it, who can see it, and how to delete it.
The short version: we keep only what the app needs to work. We don't show ads, we don't use analytics or tracking companies, and we never sell your data. No money moves through SplitOtter, so we never ask for bank or card numbers.
What we collect
| Data | Why |
|---|---|
| Your email address | To sign you in with a one-time code and to send invites and notices you ask for. |
| Your name | So the people in your groups know who you are. |
| Groups, expenses, payments, approvals and their history | This is what the app is for: working out who owes whom. |
| Names and emails of people you add or invite | So you can split with them and send them an invite. They're only emailed if you choose to invite them. |
| Card nicknames and reward rates you enter | To share card rewards in a split. Never card numbers. |
| Your email settings | To send only the emails you've turned on. |
| Technical logs (IP address, browser or device type, time of request) | Kept by our hosting providers for security and to fix problems. |
We don't collect your location, contacts, photos, or payment details, and we don't track you across other apps or websites.
Who can see your data
- People in your groups see that group's members, names, expenses, payments and history. One-off expenses are seen only by the two people in them.
- Only you see your cards and your settings.
- Service providers that run SplitOtter for us, only to provide the service: Supabase (database and sign-in), Cloudflare (website hosting) and Mailtrap (sending email). They can't use your data for their own purposes.
- The law: we'll share data if we're legally required to, and only what's required.
We don't sell or rent your data, and we don't share it for advertising.
How long we keep it
We keep your data while your account is open. When you delete your account, we delete your sign-in, email address, name, cards and settings right away. Expenses and payments you were part of stay in each group under "Former member", so everyone else's balances still add up. Technical logs are deleted by our providers on their normal schedule, usually within 90 days. Backups roll over within about 30 days.
Deleting your account
In the app, go to Account → Delete Account. If you can't sign in, follow the steps on our account deletion page.
Your choices and rights
- Change your name and email settings any time in Account.
- Leave any group any time.
- Ask us for a copy of your data, to correct it, or to delete it by emailing [email protected]. We'll answer within 30 days.
Depending on where you live (for example California, the EU or the UK), you may have more rights under local law. We honor them for everyone.
Security
Data is encrypted in transit and at rest. Database rules make sure each person can only read the groups they're in. No system is perfectly secure, but we work to protect your data and will tell you if a breach affects you.
Children
SplitOtter isn't meant for children under 13, and we don't knowingly collect their data. If you think a child has given us data, email us and we'll delete it.
Changes
If we change this policy, we'll update the date at the top. For big changes, we'll tell you in the app or by email before they take effect.
Contact
Questions or requests: [email protected]