Privacy Policy

Usplit – Privacy Policy

Effective Date: 26 August 2026
Last Updated: 26 August 2026

This Privacy Policy explains how Usplit (“Usplit”, “we”, “us” or “our”) collects, uses, stores, protects and shares information when you use the Usplit mobile application, website and related services (collectively, the “Service”).

Usplit is a group expense management application that helps users record, split, and track shared expenses between individuals and groups.

By using Usplit, you acknowledge that you have read and understood this Privacy Policy.

1. Who We Are

Usplit is operated by Zabingo Softwares

Address:
A-25/8, VIP Park, Rabindrapally, Kestopur, Kolkata, West Bengal 700101, India

2. Information We May Collect

Depending on how you use Usplit, we may collect the following categories of information.

A. Account Information

When you create or use an account, we may collect information such as:

Name.
Email address.
Phone number, where provided.
Profile information.
Login or authentication information.
Account preferences.

B. Expense and Group Information

Because Usplit is an expense-splitting application, you may provide information such as:

Group or event names.
Names of participants.
Expense descriptions.
Purchase names.
Amounts and currencies.
Dates of expenses.
Who paid for an expense.
Participants sharing an expense.
Individual split amounts.
Settlement information.
Tags or categories.
Notes or other information you choose to enter.

This information is used to provide the core expense-management functionality of Usplit.

C. Information About Other People

You may enter information about other participants in a group.

You are responsible for ensuring that you have an appropriate legal basis or permission to provide personal information about another person where required by applicable law.

Please avoid entering unnecessary sensitive personal information about other people.

D. Device and Technical Information

We may automatically receive certain technical information when you use the Service, such as:

Device type and model.
Operating-system version.
Application version.
Language and regional settings.
Internet or network information.
Error and crash information.
General usage and diagnostic information.
Device identifiers or similar technical identifiers where permitted and necessary.

The exact information collected may depend on your device, operating system and the services integrated into Usplit.

E. Website Information

When you visit the Usplit website, we may receive information such as your IP address, browser information, device information and website usage information.

If you contact us through our website, we may collect information you submit through the contact form, such as your name, email address, phone number and message. (Zabingo)

3. How We Use Your Information

We may use information to:

Create and manage your account.
Provide Usplit’s expense-splitting functionality.
Calculate and display shared expenses and balances.
Manage groups and participants.
Store and synchronize expense information.
Generate expense reports.
Provide settlement-related information.
Send notifications and reminders.
Provide customer support.
Respond to enquiries and feedback.
Improve the application and website.
Detect, prevent and investigate fraud, misuse and security incidents.
Maintain and troubleshoot the Service.
Understand general usage and performance.
Comply with legal obligations.
Protect our rights, users and services.

We will not use your personal information for purposes incompatible with this Privacy Policy unless permitted or required by applicable law.

4. Expense Information Is Private to Your Groups

Information entered into an Usplit group is intended to be available to the users who are authorized to access that group or information.

For example, information about an expense may be visible to other participants in the relevant group because sharing expense information is necessary for the Service to function.

You should therefore only enter information that you are comfortable sharing with the relevant participants.

5. Notifications

If you enable notifications, Usplit may send information relating to:

Expenses.
Group activity.
Payment or settlement reminders.
Account activity.
Important Service updates.

You can generally manage notification permissions through your device settings.

6. Offline Data and Synchronization

Usplit may allow certain information to be entered while your device is offline.

Information may remain stored locally on your device until an internet connection becomes available and synchronization can occur.

You are responsible for maintaining reasonable security of your device.

7. Cookies and Similar Technologies

Our website may use cookies or similar technologies to provide essential functionality, understand website usage, maintain security and improve the website.

Where required by applicable law, we will obtain appropriate consent before using non-essential cookies or similar tracking technologies.

You may be able to control cookies through your browser settings.

8. Analytics and Crash Reporting

We may use third-party analytics, performance-monitoring or crash-reporting services to understand how the Service performs and to identify technical problems.

Such services may collect technical information about your device and use of the application.

We will use appropriate measures to ensure that such processing is carried out in accordance with applicable law and our contractual arrangements with service providers.

The specific third-party services used by Usplit may change over time.

9. Third-Party Service Providers

We may use trusted third-party service providers to help operate Usplit, including providers of:

Cloud hosting and storage.
Authentication.
Database services.
Analytics.
Crash reporting.
Notifications.
Email or communications.
Customer support.
Security services.
Payment or subscription processing, if applicable.

These providers may process information on our behalf and are expected to use appropriate security and confidentiality measures.

We do not sell your personal information to third parties.

10. Payments and Subscriptions

Usplit may offer optional paid features or subscriptions.

Where payments are processed through an app store or third-party payment provider, payment information may be handled directly by that provider according to its own privacy policy and terms.

Unless expressly stated otherwise, Usplit does not store your complete payment-card details.

11. Data Security

We take reasonable technical and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration or disclosure.

However, no internet-based service or electronic storage system can guarantee absolute security.

You are also responsible for protecting your device, account credentials and access to the Service.

12. How Long We Keep Information

We retain information for as long as reasonably necessary to:

Provide the Service.
Maintain your account.
Provide customer support.
Meet legal and regulatory requirements.
Resolve disputes.
Prevent fraud and misuse.
Protect our legitimate interests.

When information is no longer required, we may delete, anonymize or securely dispose of it, subject to applicable legal requirements.

13. Your Privacy Rights

Depending on where you live, you may have rights concerning your personal information, including the right to:

Request access to your personal information.
Request correction of inaccurate information.
Request deletion of your information.
Request restriction of certain processing.
Object to certain processing.
Request portability of certain information.
Withdraw consent where processing is based on consent.
Lodge a complaint with the relevant data-protection authority.

These rights may be subject to legal limitations and exceptions.

To exercise your rights, contact us using the details provided below.

14. Account and Data Deletion

You may request deletion of your Usplit account and associated personal information.

Where an account-deletion function is available within the application, you may use that function.

You may also contact us at info@usplit.co.in to request account or data deletion.

Some information may need to be retained where required by law or reasonably necessary for security, fraud prevention, dispute resolution or other legitimate purposes.

Deleting your account may permanently remove access to your expense groups, records, reports and other stored information.

15. Children’s Privacy

Usplit is intended for general use and does not impose a minimum age solely for accessing the Service.

However, different countries have different requirements regarding the collection and processing of children’s personal information.

Where applicable law requires parental or guardian consent for processing a child’s personal information, we will comply with those requirements.

We do not knowingly seek to collect unnecessary personal information from children.

Parents or legal guardians who believe that a child has provided personal information to Usplit in circumstances where such information should not have been collected may contact us at info@usplit.co.in.

We may take appropriate steps to delete or otherwise handle such information in accordance with applicable law.

16. International Data Transfers

Usplit is intended for users around the world.

Your information may therefore be processed or stored in countries other than the country in which you live.

Where required by applicable law, we will use appropriate safeguards for international transfers of personal information.

17. Legal Disclosure of Information

We may disclose information where reasonably necessary to:

Comply with applicable law or legal process.
Respond to lawful government requests.
Protect the rights, safety or property of Usplit, our users or others.
Investigate fraud, abuse or security incidents.
Enforce our Terms & Conditions.
Detect or prevent illegal activity.

We will seek to limit such disclosure to what is reasonably necessary and legally permitted.

18. Business Transfers

If Usplit or substantially all of its assets are acquired, merged, reorganized or transferred to another organization, personal information may be transferred as part of that transaction.

Where required by applicable law, we will provide appropriate notice and/or obtain consent.

19. Third-Party Links

The Service may contain links to third-party websites or services.

We are not responsible for the privacy practices, security or content of third-party services.

You should review the privacy policy of any third-party service before providing personal information.

20. Your Responsibility

You are responsible for the information you choose to enter into Usplit.

Do not enter unnecessary sensitive information such as passwords, financial-account credentials, government identification numbers or other highly sensitive information into expense descriptions, notes or other free-text fields.

When entering information about another person, you should respect that person’s privacy and comply with applicable law.

21. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we make material changes, we may provide notice through the application, website, email or another appropriate method.

The updated Privacy Policy will include a new “Last Updated” date.

Your continued use of Usplit after the updated Privacy Policy becomes effective will be subject to the updated policy, to the extent permitted by applicable law.

22. Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights or have concerns about how your information is handled, please contact us:

Usplit / Zabingo Softwares

Address:
A-25/8, VIP Park, Rabindrapally, Kestopur, Kolkata, West Bengal 700101, India

Website: https://www.zabingo.com

Email: support.products@zabingo.co.in