Privacy Policy

Information We Collect

We may collect the following types of information when you use our Services.

1.1 Personal Information

When you create an account or use our services, we may collect:

• Name
• Email address
• Phone number
• Profile photo (optional)
• User ID or account identifiers

1.2 Financial and Transaction Information

When you record expenses or process payments in the app:

• Payment details (processed via third-party payment gateways)
• Transaction records
• Expense history
• Group payment details

1.3 Device and Usage Information

We may automatically collect:

• Device type and model
• Operating system version
• App usage activity
• IP address
• Log data

This information helps us improve app performance and user experience.

1.4 Media Access

GroupPay may request access to:

• Camera
• Photo Gallery

This is only used when users choose to upload:

• Profile pictures
• Group images
• Expense receipt images

Images are uploaded only when the user explicitly selects them.

How We Use Your Information

We use the collected information to:

• Create and manage user accounts
• Allow users to create groups and split expenses
• Record and track shared payments
• Process payments through payment gateway partners
• Improve app functionality and user experience
• Provide customer support
• Send service-related notifications such as payment updates or reminders
• Detect and prevent fraudulent or unauthorized activity

Sharing of Information

We may share information only in the following situations:

3.1 With Other Users

When you create or join a group, some information such as:

• Name
• Profile image
• Shared expenses
• Payment status

may be visible to members of that group.

3.2 Payment Service Providers

If payments are processed through the app, transaction data may be shared with trusted payment processors such as:

• Smepay

These providers process payments securely according to their own privacy policies.

3.3 Service Providers

We may share information with trusted service providers that help us operate the app, such as:

• Cloud hosting providers
• Analytics services
• Customer support tools

3.4 Legal Requirements

We may disclose information if required to:

• Comply with legal obligations
• Protect the rights or safety of users
• Prevent fraud or illegal activities

Data Security

We take reasonable security measures to protect user information from:

• Unauthorized access
• Loss
• Misuse
• Alteration

Sensitive information such as payment data is handled through secure encrypted payment gateways.

However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal data only for as long as necessary to:

• Provide services
• Maintain transaction records
• Comply with legal obligations

Users may request deletion of their account and associated data by contacting us.

Your Rights and Choices

Users have the right to:

• Access their personal data
• Update or correct their information
• Delete their account
• Opt out of non-essential communications

Account information can be updated within the app settings.

Children's Privacy

GroupPay services are not intended for children under the age of 13. We do not knowingly collect personal information from children.

If we become aware that a child has provided personal information, we will take steps to delete such data.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When changes are made, we will update the "Last Updated" date at the top of this page.

Continued use of the app after changes indicates acceptance of the updated policy.