This Privacy Notice for SplitNPay Inc. ("we," "us," or "our"), describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services").

Questions or concerns? Please contact us at contact@split-card.com.

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

We collect personal information that you voluntarily provide to us when you register on the Services, including:

names, phone numbers, email addresses, mailing addresses
usernames, passwords
debit/credit card numbers, billing addresses
contact or authentication data

Sensitive Information. We may process: financial data, credit worthiness data, social security numbers or other government identifiers.

Payment Data. All payment data is handled by Checkbook and Plaid. See: https://checkbook.io/ and https://plaid.com/.

Application Data. We may collect: geolocation information, mobile device access, mobile device data, and push notification preferences.

Information automatically collected

We automatically collect device and usage information such as IP address, browser characteristics, operating system, and usage patterns through cookies and similar technologies.

2. HOW DO WE PROCESS YOUR INFORMATION?

We process your information to:

Facilitate account creation and authentication
Deliver services and respond to inquiries
Send administrative information and marketing communications
Fulfill orders and enable user-to-user communications
Protect our Services and comply with legal obligations

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

We may share data with third-party vendors including: AI Platforms, Cloud Computing Services, Data Analytics Services, Payment Processors, and Ad Networks.

We may also share information during business transfers, with business partners, and with other users when you interact publicly.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

Yes. We use cookies and similar tracking technologies for security, functionality, analytics, and advertising.

5. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?

Yes. We use AI through Google Cloud AI and OpenAI for image analysis and OCR.

6. HOW DO WE HANDLE YOUR SOCIAL LOGINS?

If you register using social media, we receive profile information from that provider including your name, email, and profile picture.

7. HOW LONG DO WE KEEP YOUR INFORMATION?

We keep your information for as long as necessary, typically no longer than twelve (12) months past account termination.

8. HOW DO WE KEEP YOUR INFORMATION SAFE?

We implement technical and organizational security measures, but no system is 100% secure.

9. DO WE COLLECT INFORMATION FROM MINORS?

No. We do not knowingly collect data from children under 18.

10. WHAT ARE YOUR PRIVACY RIGHTS?

You may review, change, or terminate your account at any time. Contact us at contact@split-card.com.

11. CONTROLS FOR DO-NOT-TRACK FEATURES

We do not currently respond to DNT browser signals.

12. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

Yes. Residents of CA, CO, CT, DE, FL, IN, IA, KY, MD, MN, MT, NE, NH, NJ, OR, RI, TN, TX, UT, or VA have rights to access, correct, delete, and opt-out of certain processing.

13. DO WE MAKE UPDATES TO THIS NOTICE?

Yes. Check the "Last updated" date at the top.

14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

SplitNPay Inc. Data Protection Officer 1001 East Camino Real, Apt. 207 Boca Raton, FL 33432 United States Email: chris@split-card.com

15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Visit https://split-card.com or contact us directly.

Privacy Policy