Last Updated: December 4th, 2017
We have a document like this so that you understand that, among other things, we are offering you this Splitwise service "as-is" without a warrantee, and that bills, IOUs, debts and payments are informal and not legally binding contracts of some kind. Splitwise™ is currently in beta-testing, so some features of our website and apps may not work exactly as planned - please be patient with us and we'll always do our best to support you.
As used in this policy, the terms "using" and "processing" information include using cookies on a computer, data stored on a mobile device, subjecting the information to statistical or human analysis and using or handling information in any way, including, but not limited to collecting, storing, evaluating, modifying, deleting, using, combining, disclosing and transferring information within our organization or among our affiliates within the United States or internationally.
I. INTERNATIONAL TRANSFER
II. Information Collection and Use
Our primary goal in collecting information is to improve our service quality by collecting statistics about users and how they use our service. This allows us to develop new features, and increase value-to-the-user and our revenue by providing relevant advertisements and services. These could take the form of local ads or services customized based on self-reported transactions or rental amounts, or using public information associated with an email address to show appropriate context such as a user avatar, relevant offer, or linked social media account.
IIa Personally Identifiable Information
When you register with Splitwise™, we will ask you for personally identifiable information. This refers to information about you that can be used to contact or identify you ("Identity Information"). Identity Information includes, but is not limited to, your name and email address, your friends, housemates, your address, your IP address, your shared expenses and their amounts, and your landlord's address, but does not include your credit card number or billing information. We also offer premium services for payment, in which case we may also ask for your credit card number and billing information ("Billing Information") (Identity Information and Billing Information together, "Personal Information"). We use your Personal Information mainly to provide the Services and administer your inquiries.
We also collect the other information that you provide as part of Site's product, and the registration and the administration and personalization of your profile webpage (e.g., without limitation, expenses, friend's emails, gender, age, individual preferences or demographic information) ("Non-Identifying Information").
We may combine your Personal Information with Non-Identifying Information and aggregate it with information collected from other Splitwise™ Users (defined below) to attempt to provide you with better Services and to analyze how our Site and Services are used. We may also use the combined information without aggregating it to serve you specifically, for instance to deliver a product to you according to your preferences or restrictions.
We may also use your Personal Information to contact you with Splitwise™ newsletters, and updates via email as specified in your notification settings. If you decide (at any time) that you no longer want to receive these emails from us, please update your notifications settings in the user settings or contact email@example.com. Please note that we may also use your Personal Information to contact you with information related to your account and your use of our Services; you may not opt out of these notifications.
When you visit the site, whether as an Splitwise™ user or a non-registered user just browsing (all referred to as "Splitwise™ User"), our servers automatically record information that your browser sends whenever you visit a website ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type or the webpage you were visiting before you came to our Site, pages of our Site that you visit, the time spent on those pages, information you search for on our Site, access times and dates, data you enter into information fields, and other statistics. We use this information to improve our service, monitor and analyze use of the Site and the Services and for the Site's technical administration, to increase our Site's functionality and user-friendliness, and to better tailor it to our visitors' needs. We also use this information to verify that visitors to the Site meet the criteria required to process their requests. We do not treat Log Data as Personal Information or use it in association with other Personal Information, though we may aggregate, analyze and evaluate such information for the same purposes as stated above regarding other Non-Identifying Information.
Identity theft and the practice currently known as "phishing" are of great concern to Splitwise™. Safeguarding information to help protect you from identity theft is a top priority. We do not and will not, at any time, request your credit card information, your account ID, login password, or national identification numbers in a non-secure or unsolicited e-mail or telephone communication. For more information about phishing, visit the Federal Trade Commission's website at http://www.ftc.gov.
III. Information Sharing and Disclosure
Splitwise™ is designed to enable users to share expenses with friends and keep track of private repayment agreements for rent, utilities/bills, and shared incidental expenses. These sharing platforms (referred to as "Groups") are private, and information and expenses posted in an Group is only visible to other members of the group. However, any user in that Group my add additional members to the Group, so it is the joint and sole responsibility of Group members to safeguard who they invite into their Group sharing platform.
WE WILL NOT GIVE, SELL, RENT, SHARE, OR TRADE ANY OF YOUR PERSONAL INFORMATION TO ANY THIRD PARTY EXCEPT AS OUTLINED IN THIS POLICY OR WITH YOUR CONSENT.
III.b Splitwise™ shares information with your friends
When you register through the Site and submit your Personal Information to create a Group or Add Friends, invited or added email addresses ("Friends") will see your email address, username, a name for the group, and bills and expenses you add ("Required Member Identifiers"). You can choose what other Personal Information you provide as part of your profile ("Other Member Information") (together, your "Profile Information") and to whom this additional information will be visible (for instance, if a friend adds you). We will display your Profile Information to your Friends and anyone your Group Members add to the Group. We recommend that you guard your anonymity and sensitive information and we encourage members to think carefully about what information about themselves they disclose in their profile pages.
III.c We aggregate Non-Identifying Information
We may share aggregated information that does not include Personal Information and we may otherwise disclose Non-Identifying Information and Log Data with third parties for industry analysis, demographic profiling, blog posts analyzing sharing patterns, and other purposes. Any aggregated information shared in these contexts will not contain your Personal Information.
III.d We comply with laws and Law Enforcement
Splitwise Inc. cooperates with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), to protect the property and rights of Splitwise™ or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, any illegal, unethical or legally actionable activity.
III.e Third parties We may employ third party companies and individuals to facilitate our Services, to provide the Services on our behalf, to perform Site-related services (e.g., without limitation, maintenance services, database management, web and mobile analytics, and improvement of the Site's features) or to assist us in analyzing how our Site and Services are used. These third parties may have access to your Personal Information; if they do, this access is only so that they may perform these tasks on our behalf and they are obligated not to disclose or use it for any other purpose. We may also obtain information from 3rd parties that you explicitly authorize to be shared with us (for instance, logging in with your Google or Facebook account, or confirmation notices for PayPal and Venmo payments). In general, data shared with Splitwise in this manner will be treated under the same privacy restrictions as any other data shared with Splitwise.
III.f Business Transfers
Splitwise™ may sell, transfer or otherwise share some or all of its assets, including your Personal Information, in connection with a merger, acquisition, reorganization or sale of assets or in the event of bankruptcy.
III.g API Usage
Splitwise provides a third party API whichs allow other applications which you sign up for to have access to the data you have provided Splitwise. Your are in control of this process - we do not disclose any data to these third parties unless you specifically authorize your account with their application by using the Splitwise username and password prompt provided. We do not control these third parties and do not warrant that they are safe or non-fradulent, and you agree that Splitwise is not responsilbe, liable for anything which occurs on these services. You indemnify Splitwise Inc. from all damages if you authorize your Splitwise account with one of these 3rd party applications.
IV. Changing/Deleting Your Information
All Members may review, update, correct or delete the Personal Information in their registration profile by contacting us at firstname.lastname@example.org or editing the relevant part of their profile. If you would like us to delete your record in our system, please contact us and we will attempt to accommodate your request if we do not have any legal obligation to retain the record. See below for privacy contact information.
Splitwise™ is very focused on keeping your information safe. We employ administrative, physical and electronic measures designed to protect your information from unauthorized access.
We will make any legally required disclosures of any breach of the security, confidentiality, or integrity of your unencrypted electronically stored "personal data" (as defined in applicable state statutes on security breach notification) to you via email or conspicuous posting on this Site in the most expedient time possible and without unreasonable delay, insofar as consistent with (i) the legitimate needs of law enforcement or (ii) any measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system.
VI. Links to Other Sites
Our Site contains links to other websites. If you choose to follow a third party link, you will be directed to that third party's website. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party, nor is it an endorsement of their privacy or information security policies or practices. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data or solicit personal information from you. Other sites follow different rules regarding the use or disclosure of the personal information you submit to them. We encourage you to read the privacy policies or statements of the other websites you visit.