Privacy Policy

1. Introduction

Spluno (“we”, “our” or “us”) is committed to protecting your privacy and 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 (the “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 and profile picture
Contact information: names and contact details of friends or contacts you add to groups
Device information: device type, operating system and unique device identifiers
Usage information: how you interact with the App, the features you use and time spent

2.2 Financial information

Expense data: details of expenses you record (amounts, descriptions, categories and 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 and performance data
Location data: general location information (city or country level), if you permit it
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
Biometric data: we do not collect fingerprints, facial recognition data or other biometric information

3. How we use your information

3.1 Primary purposes

Service delivery: to provide expense tracking and splitting
Account management: to create and manage your user account
Group management: to enable 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 analyse usage patterns and improve our services
Customer support: to respond to your queries and help you
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 at any time.
We may send push notifications about activity in the App. You can turn these off in settings.
We do not sell your information to third parties for marketing purposes.

5. Data storage and security

5.1 Data storage

Location: your data may be stored on servers in India or other jurisdictions
Retention: we keep your data while 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: access to personal information is limited on a need-to-know basis
Regular audits: we carry out regular security assessments and updates
Incident response: we have procedures for responding to security breaches

5.3 Data localisation

We comply with Indian data localisation requirements where applicable.
We carry out cross-border data transfers in accordance with Indian regulations.
We store critical personal data within India where the law requires it.

6. Your rights and choices

6.1 Access and control

Account access: you can view and update your account information at any time
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 its associated data

6.2 Privacy settings

Notifications: you can manage push notification and email preferences
Visibility: you can control what information other users can see
Location services: you can turn location access on or off in your device settings

6.3 Withdrawing consent

You can withdraw consent for data processing at any time.
Some features may stop working 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 Technologies we use

Session data: to keep you logged in and maintain app state
Analytics: to understand how people use the App
Performance: to monitor app performance and find issues
Preferences: to remember your settings

7.2 Your choices

You can control some tracking through your device settings.
You can opt out of analytics tracking in the App’s settings.
Turning off certain technologies may affect how the App works.

8. Children’s privacy

8.1 Age restrictions

Spluno is not intended for children under 13.
We do not knowingly collect personal information from children under 13.
If we find that we have collected information from a child under 13, we will delete it immediately.

8.2 Parental rights

Parents can contact us to review or delete their child’s information, or to stop further collection.
We encourage parents to keep an eye on their children’s online activity.

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: kept while your account is active
Expense data: kept for 7 years after account deletion for legal compliance
Usage data: kept for 2 years for analytics and improvement
Communication data: kept for 1 year after sending

10.2 Deletion

You can request deletion of your data at any time.
We may keep some data to meet legal or regulatory requirements.
We may keep anonymised data indefinitely for analytics.

11. Updates to this Privacy Policy

11.1 Policy changes

We may update this Privacy Policy from time to time.
We will post changes in the App and on our website.
We will tell you about material changes by email or in-app notification.
If you keep using the App after changes, you accept the updated policy.

11.2 Version control

We keep previous versions of this policy for reference.
You can ask us about specific changes we have made.

12. Compliance with Indian laws

12.1 Legal framework

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
the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021
the 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 keep records as Indian law requires.
We report data breaches to the authorities when the law requires it.

13. Contact us

For any questions about this Privacy Policy or how we handle your data, contact us:

Email: [email protected]
Phone: +91 78880 45253
Address: 22B, Ambar, Tilak Nagar, Nagpur 440010, India
Website: ranium.in

By using Spluno, you confirm that you have read and understood this Privacy Policy and agree to the data practices it describes.

This Privacy Policy takes effect from 23 June 2025 and was last updated on 23 June 2025.