Privacy Policy

Last updated: 2026-05-14.

What we collect

When you sign up, we collect your email, your chosen display name, and optionally a Venmo handle and Cash App handle so we can deep-link you to those apps at settle time. We don't store payment-method details (card or bank numbers) ourselves.

Plaid data handling

Linking a bank routes you through Plaid. After a successful link, we receive an access token from Plaid (not your credentials) and store it encrypted at rest (AES-256-GCM). We use this token to:

• List your bank accounts and balances.
• Fetch transactions via Plaid's /transactions/sync endpoint.

We do not share your transaction data with third parties. We do not sell your data. You can disconnect a bank at any time from Settings — this invalidates the access token at Plaid and deletes the corresponding accounts and transactions from our database.

Friends and ledger entries

When you split a bill with a friend, both of you can see the resulting ledger entries (you owe / you're owed). The original transaction merchant name appears alongside each split. The full bank transaction (amount, date, raw Plaid record) is visible only to the bank's owner.

Email and push notifications

We send transactional emails for friend requests, splits, and payments. You can disable them in Settings. Push notifications are opt-in and per device.

Analytics

We use PostHog to understand product usage (events like bank_linked, rule_created). We use Sentry to catch errors. Both can be configured off — see our open-source repo for details.

Your rights

You can delete your account at any time. Deletion removes your profile, friendships, plaid items, accounts, transactions, rules, participants, ledger entries, notifications, and push subscriptions. Email privacy@splitshq.com for a copy of your data or to request deletion.