Privacy Policy
Last Updated: July 2026
Simple Split Inc. ("Simple Split", "we", "our", or "us") respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, disclose, and protect personal information when you use the Simple Split mobile application, website, and related services (the "Service").
In plain language, Simple Split collects the information you enter into the Service so we can help you track shared expenses, receipts, reimbursements, balances, shared savings goals, digital piggy bank records, and related family records with the co-parenting partner or other user you choose to connect with.
Some information collected through the Service may be sensitive, including financial information, family-related records, information about children, receipts, uploaded documents, payment-related information, and records that may relate to co-parenting, family law, tax, or support matters. We use this information only for the purposes described in this Privacy Policy and apply safeguards appropriate to the sensitivity of the information.
1. INFORMATION WE COLLECT
We may collect the following categories of information:
Account Information
• Name
• Email address
• Account credentials
• Account preferences
• Subscription status and account activity
User Content
• Expense records
• Receipt images and uploaded documents
• Savings goals, contribution records, reduction records, allocation records, and digital piggy bank activity
• Notes, categories, comments, and financial information entered by users
• Information shared with connected co-parenting partners or other users
• Information about children, dependents, or family members, such as names, expenses, activities, savings goals, reimbursements, or related records submitted by a parent, guardian, or adult user
2. Payment Information
• Limited payment-related information necessary to facilitate subscriptions and, where enabled, optional payment, bank-linking, reimbursement, transfer, settlement, or related financial activities initiated by users
• Payment status, subscription status, transaction confirmations, billing identifiers, and related payment records
• Information processed by third-party payment providers, including Stripe, Apple, Google, financial institutions, card networks, payment networks, or other authorized payment providers, depending on where and how you subscribe or use payment features
Simple Split does not store complete payment card numbers on its own servers.
Technical Information
• Device type
• Operating system
• App version
• IP address
• Browser type
• Device identifiers or app identifiers, where applicable
• Diagnostic and crash information
• Usage analytics
• Log data
• Cookies and similar tracking technologies used on the website
Communications and Support Information
• Messages, requests, feedback, or support inquiries you send to us
• Information needed to respond to customer support requests
• Records of communications with Simple Split
Marketing Preferences
• Your communication preferences
• Whether you have opted in to or opted out of marketing communications
• Engagement with Simple Split emails or updates, where applicable
3. CONSENT
By creating an account and using the Service, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.
Where required by law, we will seek your express consent for specific purposes, such as sending marketing communications, collecting or using sensitive information, enabling certain payment or bank-linking features, or using information for a purpose not already described in this Privacy Policy.
Consent is meaningful when you understand the nature, purpose, and consequences of the collection, use, or disclosure of your personal information. We aim to explain our privacy practices clearly so you can make informed choices about your use of the Service.
You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice, by contacting us using the information in Section 15 (Contact Us). Withdrawing consent may limit or prevent your ability to use some or all of the Service, including shared records, payment features, account access, or other functionality that depends on the use of your information.
4. HOW WE USE INFORMATION
We use personal information to:
• Provide, operate, and maintain the Service
• Create and manage user accounts
• Calculate shared expenses, balances, reimbursement amounts, and related records
• Track savings goals, contribution records, reductions, allocations, and digital piggy bank activity
• Store receipts, notes, uploaded documents, and supporting documentation
• Display shared records to connected users you choose to connect with
• Facilitate subscriptions and, where enabled, optional payment, bank-linking, reimbursement, transfer, settlement, or related financial activities initiated by users
• Provide customer support and respond to inquiries
• Send service-related notices, account messages, security alerts, and administrative communications
• Send marketing communications where you have consented to receive them
• Improve functionality, performance, and user experience
• Analyze usage, diagnose technical issues, and maintain app security
• Detect, prevent, and respond to fraud, misuse, abuse, unauthorized access, security threats, or unlawful activity
• Enforce our Terms and Conditions and other agreements
• Comply with legal, regulatory, tax, accounting, reporting, and recordkeeping obligations
• Protect the rights, safety, and security of users, children, Simple Split, and others
We do not use children’s information for behavioural advertising or to directly market to children.
5. SHARED RECORDS AND CONNECTED USERS
Simple Split is designed to help users collaborate with connected co-parenting partners or other users they choose to connect with through the Service.
Information you add to a shared space, shared expense, shared savings goal, digital piggy bank record, reimbursement record, payment record, receipt, note, comment, or connected account may be visible to the user or users you have connected with through the Service.
You should not upload or enter information that you do not want your connected user or users to see. Simple Split is not responsible for how another connected user uses, saves, exports, shares, screenshots, prints, or discloses information that is made available to them through the Service.
You are responsible for ensuring that you have the legal right or authority to enter, upload, share, or disclose information about any child, dependent, co-parent, family member, or other person through the Service. You should only submit information about another person that is reasonably necessary to use the Service.
6. INFORMATION SHARING
We do not sell personal information.
We do not share personal information for cross-context behavioural advertising.
We may share personal information:
• With users you choose to connect with within Simple Split
• With trusted service providers who help us operate, host, secure, analyze, support, and improve the Service
• With payment processing providers, including Stripe, Apple, Google, financial institutions, card networks, payment networks, or other authorized payment providers, to facilitate subscriptions and, where enabled, optional payment, bank-linking, reimbursement, transfer, settlement, or related financial activities initiated by users
• With app distribution platforms, such as Apple’s App Store and Google Play, where necessary to provide, distribute, support, or manage the Service
• With professional advisers, such as legal, accounting, tax, insurance, security, or compliance advisers, where reasonably necessary
• When required by law, court order, subpoena, regulatory request, government request, or legal process
• To protect the rights, safety, and security of users, children, Simple Split, or others
• To investigate, prevent, or respond to fraud, abuse, harassment, coercive use, security threats, unlawful activity, or violations of our Terms and Conditions
• In connection with a merger, acquisition, financing, reorganization, sale of assets, due diligence process, bankruptcy, or similar business transaction, provided that the recipient agrees to protect the information in a manner consistent with this Privacy Policy and applicable law
Service providers may process personal information only as necessary to provide services to Simple Split or as otherwise described in their own terms, privacy policies, or agreements with us.
7. CROSS-BORDER DATA TRANSFERS
Simple Split uses service providers, including payment, hosting, storage, analytics, authentication, email, notification, app distribution, crash reporting, and support providers, that may store or process personal information outside Canada, including in the United States.
When personal information is processed outside Canada, it becomes subject to the laws of the jurisdiction in which it is held, including lawful access requests by government authorities in that jurisdiction.
By using the Service, you acknowledge that your personal information may be transferred to, stored in, or processed in jurisdictions outside Canada. We take steps designed to require that service providers protect personal information in a manner consistent with this Privacy Policy and applicable law.
8. DATA RETENTION
We retain personal information for as long as reasonably necessary to provide the Service, maintain accurate records, comply with legal, regulatory, tax, accounting, and reporting obligations, resolve disputes, prevent fraud and misuse, enforce our agreements, and support legitimate business purposes.
We generally retain account information for as long as your account is active.
We may retain shared records, expense history, receipts, reimbursement records, payment-related records, savings-goal records, digital piggy bank records, and related documentation for as long as reasonably necessary to provide the Service to connected users, maintain the accuracy of shared records, comply with legal obligations, resolve disputes, prevent fraud or misuse, and enforce our agreements.
Where an account is shared with another user, such as a co-parent, deletion of your account will remove your personal information from your own account profile but will not necessarily delete shared expense records, transaction history, receipts, savings-goal records, digital piggy bank records, or other shared records that remain relevant to the other user’s account, consistent with Section 12 (Data Retention and Deletion) of our Terms and Conditions.
Where reasonably possible, we will remove your directly identifying information, such as your name and contact details, from shared records after account deletion. Where removal is not reasonably possible without compromising the accuracy, integrity, or usefulness of another user’s records, your involvement in a shared record may continue to be reflected, limited to what is necessary to preserve that record.
Backup copies may remain for a limited period before being deleted or overwritten according to our backup practices.
Once personal information is deleted, it cannot be recovered.
9. SECURITY
We implement reasonable administrative, technical, physical, and organizational safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, loss, or destruction.
The safeguards we use may include access controls, authentication measures, encryption or secure transmission where appropriate, monitoring, logging, contractual controls with service providers, and other measures appropriate to the sensitivity of the information.
However, no system, transmission, or storage method can guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and for notifying us promptly if you believe your account has been accessed without authorization.
If we become aware of a breach of security safeguards involving personal information that creates a real risk of significant harm, we will notify affected users and the applicable regulator as required by applicable law.
10. CHILDREN’S INFORMATION
The Service is intended for use by parents, guardians, and adult users only. It is not intended for direct use by children. You must be at least the age of majority in your jurisdiction to create an account. In Ontario, the age of majority is 18.
Simple Split’s core function involves parents and guardians recording and sharing information about their children, including names, expenses, savings goals, reimbursements, receipts, activities, and related family records, for the purpose of managing shared family expenses and records.
This information is collected from and provided by the parent, guardian, or adult user using the Service, not directly from the child.
Parents, guardians, and adult users are responsible for ensuring they have the legal right or authority to submit information about their children, dependents, or family members, and for ensuring that the information is accurate to the best of their knowledge.
You should only submit information about a child, dependent, or family member that is reasonably necessary to use the Service, such as information needed to document shared expenses, savings goals, reimbursements, or related family records.
We do not knowingly collect personal information directly from children through account registration or direct interaction with the Service. If we become aware that a child has created an account or directly submitted personal information to the Service, we may delete the account or information.
11. PAYMENT INFORMATION AND FINANCIAL FEATURES
Simple Split may use third-party payment providers, including Stripe, Apple, Google, financial institutions, card networks, payment networks, or other authorized payment providers, to facilitate subscriptions and, where enabled, optional payment, bank-linking, reimbursement, transfer, settlement, or related financial activities initiated by users.
Financial information submitted in connection with payment activities may be collected and processed directly by these third-party providers in accordance with their own privacy policies, security practices, and terms.
Simple Split does not store complete payment card numbers on its own servers.
Simple Split’s digital piggy bank feature is a recordkeeping and contribution-tracking tool. Simple Split does not provide banking services, hold deposits, maintain savings accounts, act as an escrow agent, maintain custodial accounts, or act as a custodian of user funds.
Any balance, savings goal, contribution, reduction, allocation, reimbursement, or amount shown in the Service is a record, calculation, or ledger entry unless and until an actual payment or transfer is successfully processed by a third-party payment provider or financial institution.
12. MARKETING COMMUNICATIONS
If you choose to receive marketing communications, we may use your email address or contact information to send product updates, educational content, offers, announcements, launch information, beta-user communications, newsletters, or other marketing messages.
You may unsubscribe from marketing communications at any time using the unsubscribe link in the message or by contacting us using the information in Section 15 (Contact Us).
Even if you unsubscribe from marketing communications, we may still send transactional, administrative, security, legal, billing, account, or service-related messages where necessary to operate your account, provide the Service, respond to your requests, or comply with legal obligations.
13. COOKIES AND TRACKING TECHNOLOGIES
Our website may use cookies and similar tracking technologies to operate the website, remember your preferences, understand how visitors use the Service, improve performance, and support analytics.
You can control or disable cookies through your browser settings. Disabling cookies may affect the functionality of the website or certain features of the Service.
Where required by law, we will obtain consent before using non-essential cookies or similar tracking technologies.
14. THIRD-PARTY SERVICES
The Service may rely on third-party providers to support hosting, authentication, analytics, cloud storage, payment processing, bank-account linking, email, notifications, app distribution, crash reporting, customer support, security, and related operational functions.
These providers may include Stripe for payment processing, subscription management, payment methods, bank-linking, financial connections, reimbursements, transfers, or related financial activities where enabled. They may also include providers for hosting, database management, authentication, analytics, crash reporting, email delivery, notifications, and app distribution.
Third-party services are governed by their own terms of service and privacy policies. Simple Split is not responsible for the privacy practices, security practices, availability, performance, or content of third-party services, except where required by applicable law.
Your use of any third-party service made available through the Service may be subject to that provider’s own terms and policies.
15. YOUR RIGHTS
Depending on your jurisdiction, you may have the right to:
• Access your personal information
• Correct inaccurate or incomplete personal information
• Request deletion of your personal information
• Withdraw consent where applicable
• Ask questions about our privacy practices
• Make a complaint about how we handle personal information
Requests may be submitted using the contact information in Section 15 (Contact Us). We will respond to requests within a reasonable time and in accordance with applicable law.
We may need to verify your identity before responding to a request. In some cases, we may be unable to fully delete or provide access to certain information where retention or restriction is required or permitted by law, necessary to preserve another user’s shared records, necessary for security, fraud-prevention, dispute-resolution, tax, legal, accounting, payment-processing, or regulatory purposes, or necessary to enforce our agreements.
If you are not satisfied with our response to a privacy-related request or complaint, you may contact our Privacy Officer using the information in Section 15. You may also contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca, or the applicable privacy regulator in your jurisdiction
15. CONTACT US
Simple Split Inc.
Privacy Officer: Privacy officer, Simple Split Inc.
Email: [email protected]
Simple Split Website: www.simplesplitapp.com
Simple Split App: app.simplesplitapp.com
16. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time.
Updated versions will be posted on our website or within the Service. If we make material changes, we will make reasonable efforts to provide notice before the changes take effect, such as by email, in-app notice, website notice, or another reasonable method.
Your continued use of the Service after an updated Privacy Policy becomes effective means you acknowledge the updated Privacy Policy.