Privacy Policy
Effective Date: May 10, 2026
01. Introduction
Welcome to SettleGenie, a platform operated by BHUMAYA AI SOLUTIONS LLP ("we," "our," or "us"). We respect your privacy and are deeply committed to protecting your personal data. This comprehensive Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and related services (collectively, the "Services"). Please read this policy carefully to understand our practices regarding your personal data.
02. Information We Collect
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device.
| Category | Examples | Purpose |
|---|---|---|
| Identifiers | Name, email address, phone number, account password, IP address. | Account creation, authentication, security. |
| Financial Data | Expense entries, group settlement records, receipt images, budget goals. | Core app functionality, expense splitting. |
| Payment Handles | UPI ID, PayPal.me/Venmo username, etc. | We collect optional payment handles you add so group members can pay you back through external apps. |
| AI Interaction Data | Prompts, trip preferences, generated itineraries, chat history with AI. | Providing AI trip planning and personalized insights. |
| Device & Usage | Device type, OS, app usage statistics, crash logs, interaction metrics. | Analytics, bug fixing, service improvement. |
03. How We Use Your Information
We use the collected information for various operational and business purposes, including:
- Providing Services: To operate, maintain, and deliver the features of SettleGenie, including calculating group settlements and generating AI trip plans.
- Personalization: To tailor your experience, recommend features, and optimize the community feed.
- Communication: To send administrative information, such as updates, security alerts, and support messages.
- Analytics: To monitor and analyze trends, usage, and activities to improve our application.
- Security: To protect our platform, investigate fraud, and enforce our terms and conditions.
04. How We Share Your Information
We do not sell your personal information. We only share your information with trusted third parties in the following circumstances:
| Service Provider Type | Purpose | Examples of Data Shared |
|---|---|---|
| Cloud Hosting | Secure data storage and app hosting. | Encrypted database records, user profiles. |
| AI Partners (e.g., OpenAI) | Processing natural language for trip planning. | Anonymized prompts, trip preferences. |
| Analytics Providers | Understanding app performance and usage. | Device IDs, usage metrics, crash logs. |
Your payment handle is shown only to group members who owe you a balance.
05. AI Features Disclaimer
SettleGenie utilizes advanced generative artificial intelligence to provide features such as trip itineraries and receipt scanning. When you use these features:
- Your input data (prompts, images) may be processed by our third-party AI providers.
- We strip personally identifiable information before sending data to external AI processors whenever technically feasible.
- AI-generated content should not be interpreted as professional financial or travel advice. Always verify important details independently.
06. Data Security
We implement robust, industry-standard security measures, including HTTPS/TLS encryption in transit and AES-256 encryption at rest, to protect your personal information from unauthorized access, alteration, disclosure, or destruction. We utilize secure token-based authentication and regularly audit our systems. However, no internet transmission is entirely secure, and we cannot guarantee absolute security.
SettleGenie does not process payments, hold funds, or store card/bank details — payment happens in the external app you choose.
07. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.
| Data Type | Retention Period |
|---|---|
| Active Account Data | Retained as long as your account is active. |
| Deleted Account Data | Deleted within 30 days of account closure request. |
| System Logs & Analytics | Anonymized and retained for up to 12 months. |
08. Your Privacy Rights
Depending on your jurisdiction, you possess the following rights regarding your data:
- Right to Access: Request copies of your personal data.
- Right to Rectification: Request correction of inaccurate information.
- Right to Erasure (Right to be Forgotten): Request deletion of your personal data.
- Right to Restrict Processing: Request limitation on how we process your data.
- Right to Data Portability: Request transfer of your data to another organization.
To exercise these rights, please use the account settings in the app or contact us directly.
09. California Privacy Rights (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) grants you specific rights regarding your personal information. You have the right to know what personal data is collected, the right to delete your data, the right to opt-out of the sale of your data (note: we do not sell your data), and the right to non-discrimination for exercising your CCPA rights.
10. European Privacy Rights (GDPR)
If you are a resident of the European Economic Area (EEA) or the UK, we process your personal data under the following legal bases: your consent, the performance of our contract with you, compliance with our legal obligations, and for our legitimate interests. You hold all rights outlined in Section 8 under the General Data Protection Regulation (GDPR).
11. Children's Privacy
SettleGenie is not directed to individuals under the age of 13 (or 16 in certain jurisdictions). We do not knowingly collect personal information from children. If we become aware that we have collected personal data from a child without parental consent, we will take steps to remove that information and terminate the account immediately.
12. Advertising and Tracking
We may use cookies, web beacons, and similar tracking technologies to track activity on our Services and hold certain information. This helps us analyze traffic and improve user experience. You can instruct your browser or device to refuse all cookies or to indicate when a cookie is being sent. However, some portions of our Service may not function properly without them.
13. International Data Transfers
Your information, including Personal Data, is processed at our operating offices and in any other places where our service providers are located. This means information may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ from those in your jurisdiction.
14. Third-Party Links
Our Service may contain links to other websites or community-posted content that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
15. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top of this document. For significant changes, we will provide prominent notice via email or within the application.
16. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Data Protection Officer:
BHUMAYA AI SOLUTIONS LLP
C/o Maya, Preetampuri,
Manpur, West Rampur Road,
Haldwani, Nainital,
Uttarakhand, 263139
Privacy Inquiries
privacy@settlegenie.comQuick Summary
| Topic | Summary | Reference |
|---|---|---|
| Data Collection | We collect account, financial, and AI usage data necessary to run the app. | See Section 2 |
| Data Sharing | We DO NOT sell your data. We only share it with secure cloud and AI partners. | See Section 4 |
| Security | We use industry-standard AES-256 and HTTPS/TLS encryption. | See Section 6 |
| Your Rights | You can access, modify, or delete your data at any time via the app settings. | See Section 8 |