Settlio Privacy Policy

Last updated: 28 July 2026

Settlio is an expense-splitting app that helps you track shared costs with friends and settle up. This policy explains what we collect, why, who we share it with, and how you can get it deleted.

Settlio is operated by Ansh Gupta ("we", "us"). If you have any questions, email settlio@anshguptaa.in.

1. Information we collect

Account information

• Name, email address and phone number — used to create your account, sign you in, and let friends find you when they add you to a group.
• Profile photo — only if you sign in with Google, in which case we store the photo URL Google provides.
• Password — if you sign up with email. Passwords are hashed by our authentication provider; we never see or store them in readable form.

Financial and activity information

• Expenses you record — amount, description, category, date, who paid and how it was split.
• Groups and members — the groups you create or join and who else is in them.
• Settlements — records of payments you mark as settled between you and other members.
• UPI IDs — only the UPI IDs you choose to save, so other members can pay you. Settlio does not process, hold or transfer money. Payments happen entirely inside your own UPI app.
• Receipt photos — if you scan a receipt, the image is stored and sent for automated text extraction (see section 3).
• Comments and group notes you write.

Contacts

If you use "add friend from contacts", the app asks for permission to read your contacts on your device so you can pick someone from a list. Only the name, email address and/or phone number of the specific contact you tap is sent to our servers, in order to create that friend entry. We never upload your address book in bulk, and we do not use your contacts for advertising or to build a social graph.

AI assistant

If you use the in-app AI assistant, the messages you send and the relevant expense data needed to answer them are sent to Google's Gemini API. Your conversation history is stored so you can come back to it.

Technical information

• Device notification token — so we can send you push notifications about group activity. You can turn notifications off at any time.
• Activity logs — a record of actions in your groups (expense added, member joined, settlement confirmed) so the group feed works.
• Server logs — standard request logs used to diagnose errors and abuse.

2. How we use your information

• To provide the core service — recording expenses, calculating balances and showing who owes whom.
• To authenticate you and keep your account secure.
• To send push notifications and, if you opt in, weekly summary emails. Weekly emails are off by default and can be turned off in the app or from the link in any such email.
• To send transactional emails such as sign-up verification and password reset codes.
• To answer your questions through the AI assistant, when you use it.
• To detect and fix bugs, and to prevent abuse of the service.

We do not sell your personal information, and we do not share it with advertisers.

3. Who we share information with

Other Settlio users

Settlio is inherently shared. Other members of a group can see your name, profile photo, the expenses you add, your share of each expense, your balance with them, and any UPI ID you have saved. Do not put anything in an expense description that you would not want the whole group to read.

Service providers

These providers process data on our behalf under their own terms and may store it outside India. We share only what each one needs to do its job.

Legal

We may disclose information if we are legally required to do so, or where it is necessary to protect our rights or the safety of users.

4. How long we keep your data

We keep your account data for as long as your account exists. Server logs are kept for a short period for debugging and then discarded. When you delete your account, see section 6 for exactly what happens.

5. Security

All traffic between the app and our servers is encrypted with HTTPS. Data is stored on managed infrastructure with row-level access controls, and access to production systems is restricted. No system is perfectly secure, but we take reasonable measures to protect your information.

6. Your rights and choices

• Access and correction — you can view and edit your name, email, phone, photo and UPI IDs in the app under Profile.
• Export — you can download your full expense history as a CSV or PDF from Profile › Export Personal Data.
• Notifications — push notifications and weekly emails can be turned off in Profile › Notifications & Privacy.
• Deletion — you can permanently delete your account in the app under Profile › Account › Delete Account, or by following the instructions on our account deletion page.

What deletion removes, and what it keeps

When you delete your account we permanently remove your name, email address, phone number, profile photo, saved UPI IDs, friends list, AI assistant conversations, notification settings and registered devices, and we delete your sign-in credentials so the account can never be accessed again.

We keep the expenses and settlements recorded in groups you shared with other people, shown against an anonymous "Deleted user" that cannot be linked back to you. This is necessary because those records are also other people's financial history — removing them would silently change the balances of everyone else in the group. You must settle all outstanding balances before your account can be deleted.

7. Children

Settlio is not directed at children under 13, and we do not knowingly collect information from them. If you believe a child has created an account, contact us and we will remove it.

8. Changes to this policy

If we make material changes to this policy we will update the date at the top of this page and, where appropriate, notify you in the app.

9. Contact

Questions, requests or complaints: settlio@anshguptaa.in