Last Updated: June 2026

1. Introduction

Split Mobile Inc. ("Split Mobile," "Split," "we," "us," or "our") provides shared expense, reimbursement, wallet, payment, and payout features. This GDPR / EU Privacy Rights Notice explains additional rights and disclosures for users located in the European Economic Area (EEA), the United Kingdom, or other regions with similar privacy laws. It supplements our Privacy Policy and Terms of Service.

Split Mobile is currently intended primarily for use in the United States. If you access the Services from outside the United States, your information may be processed in the United States and by our service providers and payment partners.

2. Scope

This notice applies to:

Split Mobile app users
Website visitors
Guests using payment links
Users contacting support
Users submitting receipts, invoices, leases, screenshots, or other supporting documentation

3. Personal Data We Process

A. Account and Contact Data

Name
Email
Phone number
Profile information
Login and authentication information
Communication preferences

B. Guest / Non-Account User Data

Guests may pay through secure links without downloading the app or creating a full account. We may process:

Name
Email or phone number, if provided
Payment-related information
Device and browser data
Transaction metadata
Support communications

C. Payment, Wallet, and Payout Data

Payment method metadata
Bank or payout information processed by third-party providers
Wallet balance records
Withdrawal records
Refund records
Failed payment data
Dispute and chargeback information
Payment status
Payment partner review data

Split Mobile does not generally store full payment card numbers or full bank account numbers. Payment and bank information is processed by third-party payment providers such as Stripe, Plaid, banks, card networks, or other providers where applicable.

D. Receipt, Split, and Transaction Data

Receipt images
Uploaded screenshots
Merchant names
Purchase dates
Receipt line items
Tax, tip, discounts, and totals
Split participants
Amounts owed
Amounts paid
Cash reimbursement tracking
Manual expense details
Group, trip, event, production, rent, or recurring expense data
User-added notes and descriptions
Supporting documentation such as receipts, invoices, rental statements, leases, proof of purchase, booking confirmations, or other verification documents

E. Device, Usage, and Technical Data

IP address
Device type
Operating system
Browser type
App version
Log data
Usage activity
Crash reports
Approximate location derived from IP address
Security and session data

F. Risk, Fraud, Security, and Compliance Data

Identity verification status, if applicable
Risk signals
Transaction behavior
Payment history
Device and login patterns
Dispute and chargeback data
Account restriction or enforcement records
Documentation submitted for review
Records used to detect misuse, fraud, self-payment, artificial transaction volume, unauthorized activity, or violations of our Terms

G. Support and Communications Data

Emails to support
In-app messages
Screenshots or attachments users submit
Support responses
Feedback, inquiries, and complaints

4. Purposes and Legal Bases for Processing

We process personal data for the following purposes and legal bases:

Provide and operate Split Mobile— Contract performance; legitimate interests
Create, manage, and track shared expenses — Contract performance; legitimate interests
Process guest payments, wallet balances, withdrawals, refunds, and payouts — Contract performance; legal obligations; legitimate interests
Provide customer support and transaction communications — Contract performance; legitimate interests
Review larger, manual, unusual, disputed, or high-risk transactions — Legitimate interests; legal obligations
Detect fraud, prevent misuse, enforce Terms, and protect users and payment partners — Legitimate interests; legal obligations
Comply with tax, legal, payment network, banking, sanctions, and payment partner obligations — Legal obligations; legitimate interests
Improve app performance, analytics, and product experience — Legitimate interests; consent where required

We may review transaction activity, receipts, payment history, device information, and supporting documentation to help ensure proper use of the platform and protect users, Split Mobile, and our payment partners.

5. How We Share Personal Data

A. Payment and Financial Partners

Stripe— payment processing, payouts, identity/risk review, dispute handling, and card-related services where available
Plaid, where applicable — bank account connectivity and verification
Banks
Card networks
ACH operators
Payment processors
Payout providers
Fraud and risk vendors where applicable

These partners support payment processing, wallet balances, payouts, refunds, disputes, identity and risk review, fraud prevention, compliance, and bank connectivity.

B. Service Providers

Hosting
Cloud storage
Analytics
Customer support tools
Email and SMS providers
Security tools
App infrastructure providers

Where Apple or Google are involved, this is generally limited to platform services such as Apple Pay, App Store, Google Pay, or app distribution through their respective app stores.

C. Other Split Participants

Certain information may be visible to people involved in the same split, such as:

Name
Expense title
Amount owed
Payment status
Receipt and item details
Notes or group activity related to the expense

D. Legal, Compliance, Safety, and Payment Partner Requests

We may share personal data to:

Comply with law
Respond to lawful requests
Enforce our Terms
Prevent fraud or misuse
Resolve refunds, disputes, chargebacks, failed payments, and account issues
Cooperate with payment partners, banks, card networks, regulators, or law enforcement

E. Business Transfers

If Split Mobile is involved in a merger, acquisition, financing, reorganization, or sale of all or part of its assets, personal data may be transferred as part of that transaction, subject to this notice or a successor policy.

F. No Sale of Personal Data

We do not sell personal data. We do not share personal data for cross-context behavioral advertising unless clearly disclosed and permitted by law.

6. International Transfers

Because Split Mobile is based in the United States, personal data may be transferred to and processed in the United States and other countries that may not provide the same level of data protection as your home jurisdiction.

Where required, Split relies on appropriate safeguards, such as contractual protections, standard contractual clauses, or other lawful transfer mechanisms, as applicable.

7. Data Retention

We retain personal data for as long as necessary to provide the Services, maintain accounts, process payments and payouts, provide support, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, and protect platform safety.

Because Split Mobile involves payments and financial activity, we may retain certain transaction, payout, refund, dispute, chargeback, fraud prevention, risk review, tax, accounting, security, and compliance records for longer periods when required or reasonably necessary.

Deletion requests may not result in immediate deletion of records we are required or permitted to retain for legal, compliance, tax, fraud prevention, dispute, payment partner, banking, card network, or legitimate business purposes.

8. Security

We use commercially reasonable administrative, technical, and organizational safeguards designed to protect personal data, including:

Access controls
Encryption in transit and at rest where appropriate
Secure third-party payment providers
Monitoring for suspicious activity
Internal restrictions on access to sensitive data

We rely on security monitoring, access controls, and commercially reasonable safeguards. No system can be guaranteed to be 100% secure.

9. EU/UK Privacy Rights

Subject to applicable law, you may have the following rights:

Right of access— request a copy of the personal data we hold about you.
Right to correction / rectification— correct inaccurate or incomplete information.
Right to deletion / erasure— request deletion of your data.
Right to restrict processing— limit how we process your data.
Right to object— object to certain processing activities.
Right to data portability— receive your data in a structured, machine-readable format.
Right to withdraw consent— where processing is based on consent.
Right to lodge a complaint with a supervisory authority — such as your local Data Protection Authority or the UK Information Commissioner's Office (ICO).

You can exercise these rights by contacting us at support@splitapp.co. We may need to verify your identity before fulfilling a request.

Some requests may be limited where we need to retain information for legal, payment, fraud prevention, dispute, tax, security, compliance, or legitimate business purposes. We encourage you to contact us first so we can try to resolve any issues directly.

10. Marketing and Communications

Users may opt out of marketing emails by following the unsubscribe instructions or contacting us. Transactional or service-related messages, including payment, payout, security, support, and account notices, may still be sent where necessary.

11. Automated Decision-Making / Risk Reviews

Split Mobile and its payment partners may use automated or manual review tools to help detect fraud, unauthorized activity, suspicious transaction patterns, self-payment, artificial transaction volume, disputes, chargebacks, or violations of our Terms. These reviews may result in delayed payouts, additional documentation requests, refunds, reversals, account restrictions, or declined transactions.

12. Children's Data

Split Mobile is not intended for children under 13, and we do not knowingly collect personal data from children under 13.

13. Updates to This Notice

We may update this notice from time to time to reflect new legal requirements or product changes. When we do, we will revise the "Last Updated" date at the top of this page.

14. Contact Us

For data protection questions or to exercise your rights, contact us at:

Split Mobile Inc.
Email: support@splitapp.co
Website: https://www.splitapp.co
1301 N Broadway, Suite 32307
Los Angeles, CA 90012, USA