Privacy Policy

Effective date: November 1, 2026

This Privacy Policy explains how Settio ("we," "us," or "our") collects, uses, shares, and protects personal information when you use the Settio app and related services.

Information we collect

Account and profile information: your email address, display name, profile photo, and sign-in information. If you choose Sign in with Apple or Google, we receive the information that provider makes available to us, such as your name and email address.
Group and content information: groups, memberships, expenses, balances, settlements, payment details you choose to share, moments, photos, receipts, descriptions, dates, and split information.
Purchase information: your Settio user ID, subscription or entitlement status, product, and renewal or expiry information. We do not receive your full payment-card details or Apple ID/Google payment credentials.
Optional precise location: only when you choose to pin your location to an expense, we collect a precise location while the app is in use to save that pin. We do not collect location in the background.
Device and diagnostic information: device and platform details, push-notification token, crash reports, performance information, and diagnostic context needed to operate and improve the app.

How we use information

To create and secure accounts; provide, sync, and support Settio; and display shared information to the members of your groups.
To calculate and show expense records and balances based on information users enter.
To deliver group activity notifications if notifications are enabled on your device.
To provide, restore, administer, and verify Settio Plus subscriptions.
To diagnose crashes, protect the service, prevent misuse, and improve reliability.

Who we share information with

We do not sell personal information. Other members of a group can see the information you share in that group, including the associated expense, settlement, moment, photo, receipt, or location pin. We also use these service providers to process information for the purposes described above:

Supabase: hosting, authentication, database, and private file storage. It processes account, profile, group, expense, and stored-file data.
RevenueCat: subscription processing. It receives your Settio app user ID and purchase/subscription status so we can determine Plus access.
Apple and Google: Apple and Google may process sign-in information when you use their sign-in services and process payments for purchases made through their stores. They receive the information needed to provide those services under their own terms and privacy policies.
Sentry: crash reporting and diagnostics. Sentry receives error and performance events, device/platform information, diagnostic context, and an opaque Settio user ID. Settio does not send your name, email address, or IP address in Sentry’s user context; Settio removes request cookies before sending an event.
Expo: push-notification delivery. Expo receives the device push token and notification-delivery data needed to send notifications.

We may also disclose information when reasonably necessary to comply with law, enforce these terms, protect rights or safety, or respond to a valid legal request.

Photos, receipts, and location pins

Photos and receipt images are stored in private storage buckets and are available only through authorised access to the relevant Settio group or account. A location pin is optional. If you add one to an expense, it is visible to that group’s members and remains with the expense until you remove the pin or the expense is deleted.

Retention and deletion

We keep information while your account is active and for as long as reasonably needed to provide the service, meet legal obligations, resolve disputes, and enforce agreements. You can request deletion in the app through Settings → Delete Account or by emailing settio.support@gmail.com. Account deletion is irreversible. We delete or de-identify account and membership information as appropriate; shared expense history may remain in a group so other members retain their records, with your identity shown as "Deleted User." We may retain limited information where law or legitimate operational needs require it.

Your choices and rights

Depending on where you live, you may have rights to request access to, correction of, deletion of, restriction of, or portability of your personal information, and to object to certain processing. You can update some profile information in the app and can turn off notifications in your device settings. To exercise applicable rights, contact settio.support@gmail.com. We may need to verify your request and may have legal reasons to limit it.

International transfers

We and our service providers may process information in countries other than the one where you live. Those countries may have different data-protection laws. Where required, we use appropriate safeguards for international transfers.

Children

Settio is not directed to children under 13, or under 16 where a higher minimum age applies. We do not knowingly collect personal information from children below the applicable minimum age. If you believe a child has provided personal information, contact us so we can review and delete it where appropriate.

Changes to this policy

We may update this policy from time to time. We will post the updated version here and change its effective date. Where required, we will give additional notice of material changes.

Contact

For privacy questions or requests, contact settio.support@gmail.com.