Privacy Policy

Effective November 12, 2026

Settly helps people record and split shared expenses. We do not sell personal information, serve advertising, or track you across apps and websites.

Information we process

We process your account name, email address, account identifier, groups, shared-expense and settlement records, comments, reactions, notification preferences, and device push token. Receipts are read on your device; the photo is not uploaded or stored, and only the details you confirm are saved. Invitation contact details are used only to help deliver the invitation.

Why we process it

We use this information to authenticate you, synchronize shared records, calculate group balances, deliver invitations and notifications, prevent duplicate changes, provide support, protect the service, and comply with law.

Sharing and retention

Information you add to a group is visible to its members as needed for shared-expense functionality. Infrastructure providers process data only to operate hosting, email, authentication, and push delivery. We retain shared financial history for auditability. Account deletion removes sign-in credentials and personal identifiers while anonymizing historical shared records needed to preserve other members’ balances.

Your choices

Notifications show member and group names by default for new accounts; existing saved choices are preserved. Full comment previews are off unless you enable them separately. If enabled, a short excerpt of the comment is sent through Apple Push Notification service and may appear on the Lock Screen. You can change notification privacy and group-mute settings, export your expenses, sign out, or delete your account from Settly’s Profile screen. You may also contact us to request access, correction, or deletion.

Security and children

Settly uses HTTPS outside local development and stores session credentials in the iOS Keychain. Settly is not directed to children under 13.

Contact

Questions or privacy requests: support@melvinmathew.dev.