Privacy Policy

Summary — key points

• We collect your name and email to operate your account, plus the bills, groups, and receipts you add.
• Splitting bills never moves money through the app — you settle with each other directly (cash, UPI, or any method you choose).
• The only payments in the app are Pro subscriptions, handled by Razorpay on Android and by Apple’s App Store on iPhone. We never see or store your card or bank details.
• Receipt images are read by Google Gemini; Snap AI chat questions are answered and translated with the help of DeepSeek. Both receive only what is needed for that request.
• We do not sell your personal information, and we do not share it for targeted advertising.
• Our servers are located in India.
• You can delete your account any time in the app (Profile → Delete account). It is switched off straight away and permanently deleted after 30 days, unless you log back in to restore it. You can access, correct, or export your data by contacting support@cortexatech.in.

1. About This Policy

This Privacy Policy and Terms of Use ("Policy") is published by Cortexa Technologies (proprietorship of Thonangi Sandhya Rani), GSTIN 29BIVPS8078Q2ZI, Bengaluru, Karnataka ("Cortexa", "we", "our", or "us"), the business that owns and operates the Snap, Split & Settle mobile application ("App").

By downloading, installing, registering, or using the App, you agree to this Policy. If you do not agree, please do not use the App.

The App is offered to users in India. Section 17 contains additional terms for users in India.

2. Information We Collect

Information you provide:

• Full name and email address (required for account creation)
• Display name and profile photo (optional)
• Login PIN (stored only as a secure hash; not readable by Cortexa staff)
• UPI ID (optional, India only — only if you choose to add one so other users can pay you directly via their own UPI app)
• Group names, member names, and the email addresses or user IDs of people you add
• Expense titles, descriptions, amounts, currencies, tips, and split details
• Receipt images you upload or scan
• Payment status and settlement notes, including optional payment screenshots
• Questions you ask Snap AI chat
• If you turn on the app lock, your fingerprint or Face ID is checked by your phone itself; we never receive or store any biometric data

Information collected automatically:

• Country and default currency you select, and your device's time zone (so amounts and dates are shown correctly)
• Push notification token, notification preferences, and quiet-hour settings
• Device type and OS version (for compatibility and troubleshooting)
• An identifier for your device, kept only as a one-way scrambled fingerprint, to prevent abuse of the free plan (see Section 10)
• Crash reports: if the App crashes, technical details of the crash (see Section 12)

Information from payment processing:

• If you buy Pro on Android, Razorpay tells us the order ID, payment ID, amount, currency, and whether the payment succeeded.
• If you subscribe on iPhone, Apple tells us the subscription’s transaction ID, product, price and currency, expiry date, and whether it will renew. Apple does not share your name, Apple ID, or payment details with us.
• We do not receive or store card numbers, bank account details, UPI or wallet credentials.

3. How We Use Your Information

We use your information to:

• Create and maintain your Snap, Split & Settle account
• Let you share expenses with groups and the people you add
• Show accurate balances, totals per currency, history, and reminders
• Read receipts with AI and answer your Snap AI chat questions
• Send push notifications and emails for reminders, payments, and security events
• Process Pro subscriptions and apply the correct regional price
• Support account recovery and PIN reset
• Improve App reliability, performance, and features
• Detect and prevent fraud, abuse, or unauthorised access
• Comply with applicable laws and respond to lawful requests

We do not use your bills, receipts, or chat messages for advertising, and we do not sell them.

4. Account and Identity

Your account is identified by your email address and a unique Snap, Split & Settle user ID (e.g. SAS-XXXX-XXXX-XXXX). This ID can be shared with other users to allow them to add you as a splitter.

Your login PIN is used for app authentication and account recovery. Cortexa stores only a secure hash of your PIN and cannot retrieve it on your behalf — if forgotten, you can reset it with a code sent to your email.

5. Payments

Settling bills: the App does not process, hold, or transfer money between users. You settle with each other directly through your preferred method — cash, UPI, or anything else. Cortexa is not a party to these transactions and is not responsible for them.

If you add a UPI ID, it is stored only so that people who owe you money can see it and pay you directly through their own UPI app — that money never passes through Cortexa's systems.

Pro subscription on Android: Pro is a one-time payment for a fixed period, processed by Razorpay Software Private Limited. Your card, bank, UPI or wallet details are entered on Razorpay's secure checkout and are never shared with or stored by Cortexa. It does not renew automatically.

Pro subscription on iPhone: Pro is a monthly subscription sold through Apple's App Store and charged to your Apple ID. It renews automatically until you cancel in your iPhone's Settings. Apple handles the payment; Cortexa never receives your payment details.

Prices are shown in Indian rupees (INR), inclusive of GST, before you pay.

6. User Responsibilities

By using Snap, Split & Settle you agree to:

• Provide accurate information when creating your account
• Keep your login PIN confidential and not share it with others
• Use the App only for lawful expense-sharing and tracking purposes
• Not attempt to access other users' accounts or data
• Not use the App to harass, defraud, or harm any person
• Not reverse-engineer, copy, or redistribute any part of the App
• Only add people to your groups who have agreed to be included

Cortexa may suspend or terminate accounts that violate these responsibilities.

7. Sharing of Information

Cortexa does not sell your personal information and does not share it for cross-context behavioural (targeted) advertising.

We share information only in these limited circumstances:

• With people you split bills with — see Section 8
• With service providers that run parts of the App for us, under contracts that limit their use of your data (listed in Section 12)
• For legal reasons: where required by law, court order, or a valid request from a government authority, or to protect the rights, safety, or property of our users or Cortexa
• Business transfer: in a merger, acquisition, or asset sale, user data may be transferred as part of that transaction; we will notify you before your data becomes subject to a different privacy policy

8. Data Visible to Other Users

Because this is a shared-expense app, certain information is visible to the people you share bills with:

• Your display name and Snap, Split & Settle ID
• Your participation in shared groups and bills
• Expense titles, amounts, currencies, split details, and payment status
• Notes, payment screenshots, or descriptions attached to a shared expense
• Receipt images attached to bills you share
• Your UPI ID, if you added one (India only)

Only users you explicitly add to a bill or group can see that bill's details.

When you add someone by email — to your people, a group, or a bill — we send them an email to let them know, with their share where relevant. This includes people who do not use the App yet.

9. Data Security

Cortexa applies the following security measures:

• All data is transmitted over encrypted HTTPS connections
• PINs and verification codes are hashed and never stored in plain text
• Receipt images are stored on our servers, not in public storage
• Access to production systems is restricted to authorised personnel
• Regular backups are kept to prevent data loss

No system is 100% secure. While we take reasonable precautions, Cortexa cannot guarantee absolute security. If a breach affects your personal information, we will notify you and the relevant authorities as required by law.

10. Data Retention

We keep your data for as long as your account is active or as needed to provide the service.

• Account data is kept until you delete your account (Profile → Delete account) or ask us to
• Expense and bill history is kept to support settlement tracking and dispute resolution
• When you delete your account, it is switched off straight away and permanently deleted 30 days later. Logging in with your PIN before then restores it, and during those 30 days the email can't be used for a new sign-up. After that, bills other people created that include you stay in their history. Your name and email are removed from those bills one year later (sooner if you ask us). If you sign up again with the same email within that year, those bills show for you again
• Receipt images are kept until you delete the associated bill or ask us to remove them
• Snap AI chat messages are automatically deleted after 90 days
• Pro payment records are kept as long as tax and accounting laws require
• Backup copies may be kept for up to 90 days after deletion
• To prevent abuse of the free plan, we keep a one-way scrambled fingerprint of your email address and of your device, with that month's usage counts, for up to 12 months — including after you delete your account. It cannot be turned back into your email or identify you by itself

To request deletion, contact us at support@cortexatech.in.

11. Your Rights and Choices

Wherever you live, you can:

• Access: view your account details and expense history in the App, or ask us for a copy
• Correct: update your name, display name, and profile details in the App, or ask us to correct other data
• Delete: delete your account yourself in the App (Profile → Delete account), or ask us to do it. It is permanently deleted 30 days later; until then you can log in to restore it
• Export: ask for an export of your expense data
• Control notifications: turn push notifications on or off in App settings

To exercise any right, email support@cortexatech.in from your registered email address. We may need to verify your identity first. We will not treat you differently for exercising your rights.

12. Service Providers

The App uses these service providers, each of which receives only the data needed for its task:

• Hostinger — server hosting (servers located in India)
• Google Gemini API (Google LLC) — reads receipt images you scan
• DeepSeek API (Hangzhou DeepSeek Artificial Intelligence Co., Ltd., China) — answers and translates Snap AI chat questions; it receives your question and the bill details needed to answer it
• Razorpay — processes Pro payments on Android
• Apple (App Store) — processes Pro subscriptions on iPhone and confirms their status to us
• Mailgun — sends verification codes, PIN resets, reminders, and security emails
• Firebase Cloud Messaging (Google LLC) — delivers push notifications
• Firebase Crashlytics (Google LLC) — if the App crashes, receives a technical crash report (device model, operating system version, app version, and where in the code the crash happened) so we can fix it; these reports do not include your bills, messages, or email address

Each provider has its own privacy policy. We require providers to protect your data and use it only to provide their service to us.

13. Children's Privacy

Snap, Split & Settle is for adults. You must be 18 or older to create an account, and we do not knowingly collect personal information from anyone under 18.

If you are a parent or guardian and believe your child has created an account or given us personal information, contact support@cortexatech.in and we will promptly delete it after verification.

14. Intellectual Property

All content, design, code, branding, logos, and features of Snap, Split & Settle are the exclusive property of CORTEXA TECHNOLOGIES.

You may not copy, reproduce, modify, distribute, or create derivative works from any part of the App without prior written permission from Cortexa.

Content you create (such as expense descriptions and group names) remains yours, but you grant Cortexa a limited licence to store and display it within the App to provide the service.

15. Limitation of Liability

To the maximum extent permitted by applicable law, CORTEXA TECHNOLOGIES is not liable for:

• Any indirect, incidental, special, or consequential loss arising from use of the App
• Financial disputes or non-payment between users
• Loss of data due to device failure or third-party service outages
• Inaccuracies in AI-read receipt data or AI chat answers — please review amounts before saving
• Unauthorised access to your account caused by disclosure of your PIN

Our total liability for any claim arising from use of the App will not exceed the greater of (a) the amount you paid Cortexa in the 12 months before the claim, or (b) INR 1,000.

Some jurisdictions do not allow certain limitations of liability; in those places, these limits apply only to the extent the law allows. Nothing in this Policy limits rights you have under consumer-protection laws that cannot be waived.

16. Governing Law and Disputes

This Policy is governed by the laws of India, and disputes are subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

Before starting legal proceedings, please contact support@cortexatech.in so we can try to resolve the issue informally within 30 days.

17. Users in India

Snap, Split & Settle is operated by Cortexa Technologies (proprietorship of Thonangi Sandhya Rani), GSTIN 29BIVPS8078Q2ZI, Bengaluru, Karnataka, India (cortexatech.in).

For users in India, we process personal data in line with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDPA), to the extent applicable. You may request access, correction, or erasure, and nominate another person to exercise your rights. You may withdraw your consent at any time by deleting your account in the App or emailing us; this does not affect processing that happened before you withdrew.

Grievance Officer: support@cortexatech.in (use the subject line "Grievance"). We acknowledge complaints within 48 hours and aim to resolve them within one month of receiving them. If you are not satisfied with how we handled a complaint about your personal data, you may approach the Data Protection Board of India as provided under the DPDPA.

18. International Data Transfers

Cortexa is based in India and our servers are located in India. If you use the App from outside India, your information is transferred to, stored in, and processed in India, where data-protection laws may differ from those in your country.

Some service providers process data in other countries: Google (Gemini, Firebase), Apple and Mailgun primarily in the United States, and DeepSeek in China. We send these providers only the data needed for each request and take reasonable steps to make sure your information stays protected as described in this Policy.

19. Changes and Contact

We may update this Policy from time to time. If we make significant changes, we will tell you in the App or by email before they take effect, and the "Last updated" date above will change.

Cortexa Technologies (proprietorship of Thonangi Sandhya Rani), GSTIN 29BIVPS8078Q2ZI, Bengaluru, Karnataka

Email: support@cortexatech.in

For privacy requests (access, correction, deletion, export), account issues, or general questions, email us from your registered email address with a description of your request. We aim to respond within 7 business days, and always within the time required by law.

For urgent account security concerns, use the subject line "URGENT: Account Security" so we can prioritise your request.