Privacy Policy for SettleFlow: Bill Splitter
Effective date: October 24, 2026
App name: SettleFlow: Bill Splitter
Developer: Jaswanth Jandhyam
Contact email: deartechlover@gmail.com
1. Introduction
SettleFlow: Bill Splitter (“SettleFlow,” “we,” “our,” or “the app”) helps users split bills, manage shared expenses, organize groups, calculate balances, and track settlements.
We respect your privacy. SettleFlow is designed to provide core expense-management features offline, with expense information stored locally on your device. This policy explains what information the app handles, how it is stored and used, and what choices you have.
2. Information We Handle
Depending on the features you use, SettleFlow may store the following information on your device:
Expense information: Expense descriptions, amounts, dates, categories, and payment details you enter.
Participant information: Names or nicknames you enter for friends, family members, roommates, or other participants.
Group information: Group names, participants, shared expenses, and calculated balances.
Settlement information: Recorded payments, partial settlements, and outstanding amounts.
App preferences: Theme, currency preferences, and other settings you select.
Please avoid entering sensitive personal information that is not necessary for managing expenses.
SettleFlow does not require you to create an account to use its core features.
3. How We Use Information
Information entered into the app is used to provide its expense-management functionality, including:
Splitting bills and calculating individual shares.
Organizing groups and shared expenses.
Calculating who owes whom.
Tracking settlements and outstanding balances.
Displaying expense history and summaries.
Creating exports or backups when you request them.
Remembering your app preferences.
We do not sell your personal expense information.
4. Local Storage and Offline Use
SettleFlow is designed to work offline for its core features. Expense and group information is stored locally on your device.
Under the intended offline-first design:
Your expense records are not automatically uploaded to our servers.
No online account is required for core expense calculations.
Your data remains on your device unless you choose to share or export it, or a separately disclosed feature sends information elsewhere.
Important: These statements apply only if the published app does not include network-based data transmission, cloud synchronization, or third-party SDKs that collect information. The final policy must accurately reflect the app's implemented behavior.
5. Sharing and Exporting Information
If you use a sharing, export, or backup feature, information you choose to export may be saved to a file or shared through another application.
Once information is shared with another app, person, or service, its handling is governed by that recipient's practices and privacy policy.
Before sharing, review the contents to ensure that you are comfortable disclosing the information.
You are responsible for keeping exported files and backups secure.
6. Third-Party Services
The core version of SettleFlow is intended to operate without requiring third-party services to process your expense records.
If a future version includes advertising, analytics, crash reporting, cloud backup, payment integrations, or other third-party services, those services may process certain information under their own terms and privacy policies. We will update this policy as necessary to explain the relevant practices.
Please consult the actual app configuration and Google Play Data safety declarations for the services included in the published version.
7. Data Retention and Deletion
Your locally stored information is retained on your device until you delete it or remove the app, subject to the behavior of your device and any operating-system backup settings.
You can delete individual records or groups using the app's available deletion features, if implemented.
Uninstalling the app generally removes its local app data. However, exported files, copies shared with other apps, and backups may remain outside the app's control. Check your device's file storage and backup settings if you want to remove those copies.
If you need assistance with a privacy-related question, contact us using the email address listed below.
8. Data Security
We aim to protect information through appropriate app design and data-handling practices.
However, no method of electronic storage is completely secure. You should keep your device protected with a screen lock, install app and operating-system updates, and take care when sharing expense records or backup files.
Anyone who gains access to your unlocked device or exported files may be able to view the information they contain.
9. Children's Privacy
SettleFlow is a general expense-management application and is not intended to knowingly collect personal information from children through an online account or server-based service.
If the app's distribution or features change to involve the collection of children's personal information, we will review and update our privacy practices and policy as required by applicable law.
10. Your Choices and Rights
Depending on your location and applicable law, you may have rights concerning your personal information.
Because the app is designed for local storage, you can manage much of your information directly on your device by editing or deleting records and choosing whether to export or share them.
For questions or requests concerning privacy, contact us at the email address provided below.
11. Changes to This Privacy Policy
We may update this Privacy Policy when the app's features, data practices, or legal requirements change.
When an update is made, we will revise the effective date at the top of this document. Please review this page periodically for the latest version.
12. Contact Us
If you have questions or concerns about this Privacy Policy or SettleFlow's handling of information, contact:
Developer: Jaswanth Jandhyam
Email: deartechlover@gmail.com
SettleFlow — Split Fair. Settle Easy.
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