Paid & Settled

Paid & Settled ("we," "us," or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy will inform you as to how we look after your personal data when you visit our website or use our application and tell you about your privacy rights and how the law protects you.

1. Information We Collect

We collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data: includes first name, last name, username or similar identifier, and avatar image.
• Contact Data: includes email address and telephone numbers.
• Financial Data: includes bank account and payment routing details, as well as transaction history between you and your group members within the app context.
• Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, and operating system and platform.
• Profile Data: includes your username and password, purchases, interests, preferences, and feedback.

2. How We Use Your Information

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• Where we need to perform the contract we are about to enter into or have entered into with you (e.g., to process and synchronize your shared bills).
• Where it is necessary for our legitimate interests and your interests and fundamental rights do not override those interests.
• Where we need to comply with a legal or regulatory obligation.
• To communicate with you about updates, security alerts, and support messages.

3. Information Sharing and Disclosure

We do not sell your personal data. We may share your personal data with the following parties:

• Service Providers: Third-party companies that provide services on our behalf (e.g., payment processing via Stripe or Plaid, cloud hosting, and customer support).
• Group Members: Other users within your created groups will see your name, avatar, and shared expense details to facilitate the core functionality of the app.
• Legal Obligations: We may disclose your information where required to do so by law or subpoena.

4. Data Security & Retention

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way. We limit access to your personal data to employees, agents, contractors and other third parties who have a business need to know. We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for.

5. Your Data Protection Rights

Depending on your location, you may have rights under data protection laws in relation to your personal data, including the right to request access, correction, erasure, restriction, transfer, or to object to processing. To exercise any of these rights, please contact us via the email below.