Privacy Policy for Equipay

Effective Date:
Last Updated:

Introduction

Equipay is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our Equipay mobile application (the “App”). Our App helps you split expenses fairly among group members, calculate individual payment amounts, and manage shared financial responsibilities with friends, family, or colleagues.

Information We Collect

Personal Information You Provide

Profile Information: Name, email address, phone number, and profile picture (optional)
Group Data: Group names, member lists, and group descriptions you create or join
Expense Information: Expense amounts, descriptions, categories, dates, and payment details you add to groups
Payment Data: Information about who paid for expenses and payment splitting preferences
Contact Information: Phone numbers or email addresses when inviting others to join groups

Automatically Collected Information

Usage Data: How you interact with the App, features used, groups accessed, and calculation history
Device Information: Device type, operating system version, IP address, and unique device identifiers
Technical Data: App performance data, crash reports, and error logs to improve functionality

How We Use Your Information

We use your information to:

Expense Splitting: Calculate fair payment amounts for each group member based on shared expenses
Group Management: Create and manage expense-sharing groups with multiple participants
Payment Tracking: Track who has paid their share and outstanding balances
Notifications: Send reminders about pending payments, new expenses, and group activities
Synchronization: Keep expense data synchronized across all group members’ devices
User Experience: Provide personalized expense history and splitting recommendations
Communication: Facilitate group discussions about expenses and payments
Customer Support: Provide technical assistance and resolve user issues

Data Sharing in Groups

Group Member Visibility

When you join or create a group, certain information is shared with other group members:

Your Profile: Name and profile picture (if provided) are visible to all group members
Your Expenses: Expenses you add and your payment contributions are visible to the group
Payment Status: Whether you’ve paid your share of group expenses
Balance Information: Your outstanding balance or credit within the group

Group Data Sharing

Expense details, payment calculations, and group activity are shared among all group members
Group members can see the complete expense history and payment breakdown
When you leave a group, your contribution history remains visible for accurate accounting

Data Storage and Security

Cloud Storage

Group data is stored on secure cloud servers to enable real-time synchronization across devices
Individual user data is stored both locally and in the cloud for backup and accessibility
All stored data is encrypted using industry-standard encryption protocols

Security Measures

End-to-end encryption for sensitive financial calculations
Secure authentication to protect account access
Regular security audits and vulnerability assessments
Secure data transmission protocols (HTTPS/TLS)

Information Sharing with Third Parties

We do NOT:

Sell your personal information or group expense data to third parties
Share your financial information with advertisers or marketing companies
Provide group expense details to external companies without consent

We may share information only in these circumstances:

Legal Requirements: When required by law, court order, or legal process
Service Providers: With trusted third-party providers who help operate our services (under strict confidentiality)
Payment Processing: With secure payment processors when using integrated payment features (if applicable)
Safety and Security: To protect users’ rights, property, or safety

Your Rights and Choices

You have the right to:

Access: View all personal information and group data associated with your account
Delete: Remove your account and personal data (note: group expense history may be retained for other members’ records)
Modify: Update your profile information and expense entries you’ve created
Leave Groups: Exit expense-sharing groups at any time
Export Data: Request a copy of your expense and payment history
Control Notifications: Manage notification preferences for group activities and payment reminders

Group Data Considerations

When You Leave a Group

Your personal profile is removed from the group
Your expense contributions and payment history remain for accounting accuracy
Other group members retain access to shared expense records
You lose access to ongoing group expense updates

Group Deletion

Only group creators can delete entire groups
When a group is deleted, all members lose access to that group’s data
Individual expense records may be retained for personal accounting purposes

Data Retention

Active Groups: Data is retained while you remain active in expense-sharing groups
Account Deletion: Personal data is removed within 30 days of account deletion
Group Records: Expense history may be retained for other group members’ accounting needs
Legal Compliance: Some data may be retained longer for legal or regulatory requirements

Third-Party Integrations

Our App may integrate with:

Contact Services: To help you find and invite friends (with your permission)
Payment Services: For optional payment processing and money transfers
Cloud Storage: For data backup and synchronization across devices
Analytics Services: To improve App performance (using anonymized data only)

International Users

Your information may be transferred to and processed in [Your Country] where our servers are located. We implement appropriate safeguards for international data transfers and comply with applicable privacy laws.

Children’s Privacy

Equipay is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, please contact us immediately.

Changes to This Privacy Policy

We will notify you of significant changes to this Privacy Policy through:

In-app notifications
Email notifications to your registered email address
Updated policy posting with new “Last Updated” date

Continued use of the App after changes constitutes acceptance of the updated policy.

Contact Us

For questions about this Privacy Policy or your data:

Email: [email protected]
Address: 21 Boonwurrung Street, Cranbourne East 3977
Phone: +610450457713

For data protection inquiries, please include “Privacy Policy – Equipay” in your subject line.

Consent

By using Equipay, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. You also understand that group expense data will be shared with other group members as necessary for expense splitting functionality.