Privacy Policy

MoneySplit collects only the information you provide directly:

• Email address and password for account authentication
• Income amounts (monthly earnings you enter manually)
• Bill names, amounts, frequencies, and due dates
• Spending entries: amounts, categories, notes, and dates
• Currency preference and language preference
• Timezone and safe-to-spend mode settings
• Custom spending categories you create
• Onboarding progress and subscription status (free or Pro tier)
• Bug reports you choose to send: the screen, severity, what you expected, what happened, steps to reproduce, plus your app version, device model, iOS version and account email
• Household sharing (optional): a display name you choose, the email address of the one person you invite (used once to send the invitation), and which of your bills you choose to share

We do not collect your location, contacts, photos, or any data from other apps on your device.

Your data is used solely to provide and improve the MoneySplit app experience:

• Authenticate your identity and secure your account
• Calculate your safe-to-spend amounts, debt-to-income ratio, and bill summaries
• Display your spending history and financial insights
• Sync your preferences (currency, language, display settings) across sessions
• Process subscription purchases and manage your Pro tier status
• Respond to bug reports and support requests you send us
• Show the bills you choose to share — name, amount, schedule and due dates — to the one person you invite to your household, and their shared bills to you. Nothing is shared until you turn it on per bill; leaving the household ends all sharing

We do not sell, rent, or share your personal data with advertisers or data brokers. Your financial information is never used for marketing purposes.

MoneySplit uses the following third-party services to operate:

• Supabase — Provides our backend database and authentication system. Your data is stored in a secure PostgreSQL database hosted by Supabase Inc. with row-level security ensuring you can only access your own data. Privacy policy: supabase.com/privacy

• RevenueCat — Manages in-app subscription purchases. RevenueCat receives a pseudonymous user identifier and purchase receipts to validate your subscription status. Privacy policy: revenuecat.com/privacy

• Apple — Processes all subscription payments through the App Store. Apple handles billing and payment information directly. Privacy policy: apple.com/privacy

• Resend — Delivers the bug reports you submit to our support inbox and the household invitation you ask us to send. Resend processes the message contents and the recipient address only to send that email. Privacy policy: resend.com/legal/privacy-policy

No advertising, analytics, or tracking SDKs are included in the app.

We take the security of your data seriously:

• All data is stored in Supabase's cloud PostgreSQL database with Row Level Security (RLS) — each user can only access their own records
• All data transmitted between your device and our servers is encrypted using HTTPS/TLS
• Passwords are securely hashed by Supabase Auth and are never stored in plaintext
• Financial data remains on secure servers and is not cached on your device in an unencrypted form

You have full control over your data:

• Delete your account — You can permanently delete your account and all associated data from the Account & Security screen within the app
• Export your data — Pro subscribers can export spending data as a CSV file at any time
• Change your password — Request a password-reset email from the Account & Security screen
• Change preferences — Currency, language, and display settings can be updated at any time
• Cancel subscription — You can cancel your Pro subscription at any time through your Apple ID settings; you'll retain access until the end of your billing period

MoneySplit is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected data from a child under 13, we will take steps to delete that information promptly. If you believe a child under 13 has provided us with personal data, please contact us at support@getmoneysplit.com.

We may update this Privacy Policy from time to time. When we make changes, we will update the effective date at the top of this page. We encourage you to review this policy periodically. Continued use of MoneySplit after changes are posted constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at:

support@getmoneysplit.com