Privacy Policy

Effective Date: February 19, 2026
App Name: iSplitSmart
Company: Murugad LLC

Murugad LLC operates the iSplitSmart mobile and web application. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use iSplitSmart. By using iSplitSmart, you agree to this Privacy Policy.

1. Information We Collect

A. Information You Provide

When you register or use the app, we may collect:

• Name
• Email address
• Profile preferences
• Expense entries (amount, category, description)
• Group and friend data created inside the app
• Uploaded receipt images (if provided)
• Support communications

B. Authentication Information

If you sign in using Google, we may collect:

• Google email address
• Google account name
• Authentication token provided by Google

We do NOT collect or store your Google password.

C. Automatically Collected Information

We may collect:

• Device type
• Operating system version
• App version
• Log data
• IP address (for security)

We do NOT collect:

• Bank account numbers
• Credit card numbers
• GPS location
• Contact lists

2. How We Use Your Information

We use collected information to:

• Provide and maintain the Service
• Authenticate users securely
• Store and display expense data
• Enable expense sharing features
• Improve performance
• Prevent fraud and abuse
• Comply with legal obligations

We do NOT sell your personal data.

3. Financial Data Disclaimer

iSplitSmart:

• Does NOT connect to bank accounts
• Does NOT process payments
• Does NOT access financial institutions

All financial information is manually entered by users.

4. Data Storage & Security

We implement:

• HTTPS encryption (TLS 1.2/1.3)
• Secure password hashing
• Encrypted authentication tokens
• Access controls
• Server-level security monitoring

Data is hosted on secure infrastructure managed by Murugad LLC.

5. Data Sharing

We may share information only:

• With infrastructure service providers
• If required by law
• To prevent fraud or security threats

We do NOT sell or rent data.

6. Data Retention

We retain your information:

• While your account is active
• Until deletion is requested
• As required by law

Backup copies may be retained temporarily for disaster recovery.

7. Account Deletion

You may delete your account inside the app at any time. Upon deletion:

• Personal information is permanently deleted
• Expense records are erased
• Authentication tokens are invalidated

Deletion is irreversible.

8. Children's Privacy

iSplitSmart is not intended for children under 13. We do not knowingly collect data from children under 13.

9. Your Rights

Depending on your jurisdiction, you may request:

• Access to your data
• Correction of inaccurate data
• Deletion of your account

Contact us at support@murugad.com.

10. Changes to This Policy

We may update this Privacy Policy periodically. The updated version will be posted with a new effective date.

11. Contact

Murugad LLC
Email: support@murugad.com
Website: https://isplitsmart.com