Your privacy is our priority
Last Updated: December 16, 2024
Axonate Tech ("we," "our," or "us") operates the Settlr mobile application ("App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.
We are committed to protecting your privacy and handling your personal and sensitive user data in accordance with applicable laws, including compliance with Google Play's User Data Policy and all relevant data protection regulations.
Important: By using Settlr, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with this policy, please do not use our App.
We collect information that you provide directly to us and information that is automatically collected when you use our App. All data collection is limited to providing core app functionality and improving user experience.
We use your personal and sensitive user data only for the purposes disclosed below and within the reasonable expectations of users. We do NOT use your data for advertising, selling to third parties, or any undisclosed purposes.
We implement industry-standard security measures to protect your personal and sensitive user data. All data is handled securely using modern cryptography and secure transmission protocols.
All data transmitted between your device and our servers is encrypted using HTTPS/TLS 1.3
Passwords are hashed using bcrypt with salt before storage. We never store plain-text passwords
JWT tokens with automatic expiration and refresh. Session management with secure cookie attributes
PostgreSQL with encrypted connections, access controls, and regular automated backups
Strict authentication and authorization. Users can only access their own data and shared group data
24/7 security monitoring, anomaly detection, and incident response procedures
Note: While we implement strong security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but continuously work to protect your information.
Settlr requests certain Android permissions to provide core functionality. You have full control over these permissions and can revoke them at any time in your device settings. Below is a transparent explanation of why we need each permission:
Why we need it:
Important: Location is accessed ONLY when you actively use these features. We do NOT track your location in the background. Location data is NEVER used for advertising or shared with advertisers.
Why we need it:
We do not capture, store, or upload photos or videos. The camera is used only in real-time to scan QR codes for connecting with friends.
Do we use this permission?
We do NOT record, store, or transmit any audio without your explicit consent for a specific feature.
Do we use this permission?
Since the app does not access device storage or media files, your personal photos remain completely private and untouched.
Why we need it:
You can disable or customize notifications in App Settings. Notification tokens are securely stored and never shared.
Why we need it:
You can manage all permissions in your device Settings → Apps → Settlr → Permissions. If you deny a permission, certain features may not work, but the core expense tracking functionality will still be available. We respect your choices and will never manipulate you into granting permissions.
We retain your personal information only for as long as necessary to provide you with our services and as required by law. You have full control over your data and can request deletion at any time.
While your account is active, we retain your personal information, expense records, and group data to provide continuous service.
If your account remains inactive for 3 years, we may send you a reminder email. If you don't respond within 30 days, we may delete your account and associated data (except where we're required to retain it for legal or regulatory purposes).
Backup copies of your data may persist in our backup systems for up to 90 days after deletion for disaster recovery purposes. These backups are securely stored and inaccessible for normal use.
You can delete your account and all associated data at any time using any of these methods:
Upon account deletion, all your personal data, expense records, and group memberships will be permanently removed within 30 days. Financial records may be retained for up to 7 years where legally required for tax and regulatory compliance.
You have control over your personal information. We respect your rights under applicable data protection laws including GDPR, CCPA, and other privacy regulations. You have the following rights:
Request a copy of all personal data we hold about you. We will provide this in a structured, commonly used format.
Request a machine-readable copy of your data that you can transfer to another service provider.
Request correction of inaccurate or incomplete personal data. You can also update most information directly in app settings.
Request deletion of your personal data. See "How to Delete Your Account" section above for deletion methods.
Object to processing of your personal data for specific purposes such as direct marketing or profiling.
Request that we limit the processing of your personal data in certain circumstances (e.g., while verifying accuracy).
Withdraw consent for data processing at any time. This will not affect the lawfulness of processing before withdrawal.
File a complaint with your local data protection authority if you believe we have violated your privacy rights.
To exercise any of these rights, please contact us at:
We will respond to your request within 30 days as required by applicable privacy laws.
Settlr is intended for users aged 13 years and older. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at settlr@axonatetech.com, and we will delete such information from our systems promptly.
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will:
We encourage you to review this Privacy Policy periodically. Continued use of the App after changes indicates your acceptance of the updated policy.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Company: Axonate Tech
Privacy Contact Email: settlr@axonatetech.com
App Name: Settlr - Split Bills & Expenses
Response Time: Within 48 hours for general inquiries, 30 days for data rights requests
Note: For immediate assistance with account-related issues, please use the "Contact Support" option in the App Settings.
This Privacy Policy complies with Google Play's User Data Policy, including requirements for transparent data collection, secure handling of personal and sensitive user data, and restrictions on data usage. We adhere to all policies regarding permissions, data sharing, and user rights.
We comply with applicable data protection laws, including GDPR (European Union), CCPA (California), and other regional privacy regulations. We respect user rights to access, rectification, erasure, portability, and objection.
Financial transaction data is handled in accordance with applicable financial regulations. We use encryption, secure transmission (HTTPS/TLS), and access controls to protect your financial information. We do NOT publicly disclose any personal and sensitive user data related to financial activities.