Privacy Policy
Effective Date: August 30, 2026
1. Introduction
SettleSmart ("we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, protect, and handle information when you use the SettleSmart mobile application and website.
2. Information We Collect
Depending on how you use SettleSmart, we may collect and process the following information:
- Name: The name associated with your SettleSmart account.
- Email address: Your email address used for account registration, authentication, password recovery, account-related communication, and security notifications.
- Account authentication information: Information necessary to securely authenticate your account, such as password credentials and authentication-related security data.
- Profile information: Information you choose to provide, such as your profile name and profile picture/avatar.
- Two-factor authentication information: If you enable two-factor authentication, we may store the information necessary to provide that security feature, such as an authenticator secret.
- Group information: Groups you create or join, group names, group membership, invitations, and related information.
- Expense information: Expense descriptions, amounts, currencies, dates, participants, notes, balances, and related information that you enter into the service.
- Support information: Information you voluntarily provide when contacting us for technical support, account assistance, or other service-related requests.
- Technical and security information: Limited technical information may be processed when necessary to operate, secure, troubleshoot, and protect the service.
3. How We Use Your Information
We use information we collect for purposes including:
- Creating and managing your SettleSmart account.
- Authenticating users and maintaining account security.
- Providing expense tracking and group management features.
- Recording and organizing shared expenses.
- Calculating balances and settlement suggestions.
- Maintaining currency-specific expense and balance calculations.
- Providing password recovery and account security features.
- Providing two-factor authentication where enabled by the user.
- Sending necessary account, security, password recovery, and service-related emails.
- Providing customer support.
- Maintaining, troubleshooting, and improving the reliability and functionality of SettleSmart.
- Detecting, preventing, and investigating unauthorized access, misuse, fraud, abuse, and security incidents.
- Complying with applicable legal obligations.
4. Expense and Group Information
SettleSmart allows users to create shared groups and record expenses. Information added to a shared group may be visible to other members of that group as necessary for the normal operation of the service.
This may include expense descriptions, amounts, currencies, dates, participants, balances, group information, and related content.
You should only add information to a shared group that you are comfortable sharing with the members of that group.
5. Financial and Expense Information
SettleSmart processes financial information that users voluntarily enter into the application for the purpose of tracking shared expenses and calculating balances.
This may include expense amounts, currencies, balances, payment participants, dates, descriptions, and related expense information.
SettleSmart does not connect to users' bank accounts and does not hold, receive, transmit, or transfer users' money. SettleSmart does not execute payments between users.
6. Data Sharing
We do not sell your personal information.
We may share or make information available only when reasonably necessary to operate SettleSmart, provide requested services, maintain security, provide technical services, respond to support requests, or comply with applicable law.
Information entered into shared groups may be visible to members of those groups as part of the normal operation of SettleSmart.
7. Service Providers
We may use trusted third-party service providers to help operate SettleSmart.
These providers may include:
- Hosting and server infrastructure providers.
- Email delivery providers used to send account and security-related emails.
- Security and infrastructure services used to protect and operate the website and application.
Service providers may process information on our behalf only as necessary to provide their services or support the operation, security, and maintenance of SettleSmart.
8. Website CAPTCHA and Security
The SettleSmart website may use CAPTCHA or similar security technology to help protect registration, login, password recovery, and other web forms from automated abuse, spam, and malicious activity.
CAPTCHA services may process technical information such as IP address, browser information, device information, and interaction information for the purpose of determining whether a request is likely to be made by a human user and for preventing abuse.
CAPTCHA is used for security purposes on the SettleSmart website. The SettleSmart Android application does not use the website CAPTCHA functionality.
9. No Advertising or Advertising Tracking
The SettleSmart application does not use third-party advertising services or display advertisements.
SettleSmart does not collect advertising identifiers for the purpose of displaying personalized advertisements.
10. Data Security
We use reasonable technical and organizational measures designed to protect information against unauthorized access, alteration, disclosure, destruction, or misuse.
These measures may include secure HTTPS connections, authentication controls, protected sessions, access controls, password hashing, and optional two-factor authentication.
However, no internet service, server, or method of electronic storage can guarantee complete security.
11. Data Retention
We retain information for as long as necessary to provide SettleSmart, maintain active accounts, provide requested functionality, maintain security, resolve disputes, prevent abuse, and comply with applicable legal obligations.
When an account is deleted, we permanently delete the user's account information from the active SettleSmart database, subject to any data that may need to be retained where required by law or reasonably necessary for security, fraud prevention, dispute resolution, or other legitimate purposes.
12. Account and Data Deletion
You can request deletion of your SettleSmart account and associated personal data.
If you delete your account through an available account deletion feature, the account and associated information are permanently deleted from the SettleSmart system, subject to any information that we are legally required or reasonably permitted to retain.
If you are unable to use the account deletion feature, you may request account and data deletion by contacting:
We may verify a deletion request before processing it to protect your account and prevent unauthorized deletion.
13. Account Deletion Confirmation
After an account has been successfully deleted, SettleSmart may send a confirmation email to the email address associated with the deleted account to confirm that the deletion has been completed.
This email is used only for account-related communication and is not used for advertising or promotional purposes.
14. Children's Privacy
SettleSmart is intended for users who meet the minimum age requirements applicable in their jurisdiction.
SettleSmart is not directed toward children, and we do not knowingly collect personal information from children in violation of applicable law.
15. Your Privacy Rights
Depending on your location and applicable law, you may have rights relating to your personal information, including the right to access, correct, delete, or request information about how your personal data is handled.
To make a privacy-related request, contact us at:
16. International Data Processing
Depending on the infrastructure and service providers used to operate SettleSmart, your information may be processed or stored in countries other than the country where you live.
Where required by applicable law, we take reasonable steps to provide appropriate safeguards for such processing.
17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to SettleSmart, our data practices, or applicable legal requirements.
When changes are made, we will update the effective date shown at the top of this page. You should review this Privacy Policy periodically for updates.
18. Contact Us
SettleSmart
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Email: [email protected]