Spluno - Privacy Policy

1. Introduction

Spluno ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you use our mobile application ("App").

This Privacy Policy complies with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and other applicable Indian laws.

2. Information We Collect

• 2.1 Personal Information

  We may collect the following personal information

  • Account Information: Name, email address, phone number, profile picture
  • Contact Information: Names and contact details of friends/contacts you add to groups
  • Device Information: Device type, operating system, unique device identifiers
  • Usage Information: How you interact with the App, features used, time spent

• 2.2 Financial Information
  • Expense Data: Details of expenses you record (amounts, descriptions, categories, dates)
  • Settlement Information: Records of payments marked as settled
  • Group Information: Details about expense-sharing groups you create or join

• 2.3 Technical Information
  • Log Data: IP address, access times, pages viewed, app crashes, performance data
  • Location Data: General location information (city/country level) if permitted
  • Communication Data: Messages sent through the App (if messaging features are available)

• 2.4 Information We Do NOT Collect
  • Payment Information: We do not collect credit card, bank account, or payment gateway information
  • Sensitive Personal Data: We do not collect information about religion, caste, political beliefs, sexual orientation, or health data
  • Biometric Data: We do not collect fingerprints, facial recognition, or other biometric information

3. How We Use Your Information

• 3.1 Primary Purposes
  • Service Delivery: To provide expense tracking and splitting functionality
  • Account Management: To create and manage your user account
  • Group Management: To facilitate expense sharing between users
  • Calculations: To calculate balances and settlements between users
  • Communication: To send notifications about expenses, settlements, and app updates

• 3.2 Secondary Purposes
  • App Improvement: To analyze usage patterns and improve our services
  • Customer Support: To respond to your queries and provide assistance
  • Security: To detect and prevent fraud, abuse, and security threats
  • Legal Compliance: To comply with applicable laws and regulations

• 3.3 Marketing and Communications
  • We may send you promotional emails about new features (you can opt-out anytime)
  • We may send push notifications about app activities (you can disable in settings)
  • We do not sell your information to third parties for marketing purposes

4. Information Sharing And Disclosure

• 4.1 With Other Users
  • Group Members: Expense information is shared with members of your expense groups
  • Public Profile: Basic profile information may be visible to other users you interact with
  • Settlement Records: Information about settlements may be visible to relevant group members

• 4.2 With Third Parties

  We may share your information with

  • Service Providers: Trusted third parties who help us operate the App (cloud storage, analytics)
  • Legal Authorities: When required by law, court orders, or government requests
  • Business Transfers: In case of merger, acquisition, or sale of our business
  • Consent: When you explicitly consent to sharing with specific third parties

• 4.3 What We Don't Share
  • We do not sell your personal information to advertisers or data brokers
  • We do not share your financial information with unauthorized parties
  • We do not provide your contact list to other users without permission

5. Data Storage And Security

• 5.1 Data Storage
  • Location: Your data may be stored on servers in India or other jurisdictions
  • Retention: We retain your data as long as your account is active or as needed for legal purposes
  • Backup: We maintain secure backups to prevent data loss

• 5.2 Security Measures
  • Encryption: Data is encrypted in transit and at rest using industry-standard methods
  • Access Control: Limited access to personal information on a need-to-know basis
  • Regular Audits: We conduct regular security assessments and updates
  • Incident Response: We have procedures to respond to security breaches

• 5.3 Data Localization
  • We comply with Indian data localization requirements where applicable
  • Cross-border data transfers are conducted in accordance with Indian regulations
  • Critical personal data is stored within India as required by law

6. Your Rights and Choices

• 6.1 Access and Control
  • Account Access: You can access and update your account information anytime
  • Data Export: You can request a copy of your personal data
  • Data Correction: You can correct inaccurate information in your account
  • Account Deletion: You can delete your account and associated data

• 6.2 Privacy Settings
  • Notification Control: You can manage push notifications and email preferences
  • Visibility Settings: You can control what information is visible to other users
  • Location Services: You can enable/disable location access in your device settings

• 6.3 Withdrawal of Consent
  • You can withdraw consent for data processing at any time
  • Some features may not work if you withdraw consent for essential data processing
  • You can contact us to exercise your rights under this Privacy Policy

7. Cookies And Tracking Technologies

• 7.1 Types of Technologies Used
  • Session Data: To maintain your login session and app state
  • Analytics: To understand how users interact with the App
  • Performance: To monitor app performance and identify issues
  • Preferences: To remember your settings and preferences

• 7.2 Your Choices
  • You can control some tracking through your device settings
  • You can opt-out of analytics tracking through app settings
  • Disabling certain technologies may affect app functionality

8. Children's Privacy

• 8.1 Age Restrictions
  • Spluno is not intended for children under 13 years of age
  • We do not knowingly collect personal information from children under 13
  • If we discover we have collected information from a child under 13, we will delete it immediately

• 8.2 Parental Rights
  • Parents can contact us to review, delete, or stop further collection of their child's information
  • We encourage parents to monitor their children's online activities

9. International Data Transfers

• 9.1 Cross-Border Transfers
  • Your information may be transferred to and processed in countries other than India
  • We ensure adequate protection through appropriate safeguards
  • Transfers comply with applicable Indian data protection laws

• 9.2 Safeguards
  • We use standard contractual clauses or other approved mechanisms
  • We ensure recipient countries provide adequate protection for personal data
  • We maintain security during international transfers

10. Data Retention

• 10.1 Retention Periods
  • Account Data: Retained while your account is active
  • Expense Data: Retained for 7 years after account deletion for legal compliance
  • Usage Data: Retained for 2 years for analytics and improvement purposes
  • Communication Data: Retained for 1 year after sending

• 10.2 Deletion
  • You can request deletion of your data at any time
  • Some data may be retained for legal or regulatory requirements
  • Anonymized data may be retained indefinitely for analytics

11. Updates To This Privacy Policy

• 11.1 Policy Changes
  • We may update this Privacy Policy from time to time
  • Changes will be posted in the App and on our website
  • Material changes will be notified through email or app notifications
  • Continued use after changes constitutes acceptance of the updated policy

• 11.2 Version Control
  • We maintain previous versions of this policy for reference
  • You can request information about specific changes made

12. Compliance With Indian Laws

• 12.1 Legal Framework

  This Privacy Policy complies with:

  • Information Technology Act, 2000
  • Information Technology (Reasonable Security Practices) Rules, 2011
  • Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021
  • Consumer Protection Act, 2019
  • Other applicable Indian privacy and data protection laws

• 12.2 Regulatory Compliance
  • We cooperate with Indian regulatory authorities as required
  • We maintain records as required by Indian law
  • We report data breaches to authorities when mandated

13. Contact Information

For any questions about this Privacy Policy or our privacy practices, contact us:

• Email: spluno@ranium.in
• Phone: +917888045253
• Address: 22B, Ambar, Tilak Nagar, Nagpur 440010, India
• Website: https://ranium.in