Privacy

Last updated 28 October 2026

Splitpea is made by DYKOS Media Inc. This page says what the app collects, why, and what you can do about it. It is written to be read, not to be survived.

What we hold

• Your account — your name, your email address, and the currency you prefer.
• Your expenses — descriptions, amounts, dates, categories, notes, who paid, who owes, and the groups they belong to.
• Receipt photographs you choose to scan, and the lines read from them.
• Bank and card statements you choose to upload, and the lines read from them. Of a card or account number we keep only the last 4 digits.
• A location for a receipt, only when you press the button that asks for one. Splitpea never collects location in the background, and never while you are taking the photograph.
• Diagnostics — app version, a random per-install identifier, and notes about what the app was doing when something failed. Kept for fourteen days.

Where receipts are read

A receipt you scan is sent to our own server and read by a model running on hardware we own, in our own premises. The photograph stays attached to the expense so the people sharing that expense can see what it was.

Receipt photos are also read by Anthropic’s Claude: once more when our own reader cannot make a receipt add up (the lines don’t match the total, or it finds no lines or no total), and, unless you turn off Improve Receipt Reading (below), every receipt a second time, carefully, so we have a reading to check ours against. Only the receipt photo is sent, never your name, email or account. Anthropic works for us here: it does not keep the photo for itself or use it to train its models.

To make the reader better, we keep that second reading of each receipt, and a record of the receipts our reader got wrong (what it read, and the corrected reading), and review them each week. That review may also use Claude. How we use your receipts to improve Splitpea is in the next section.

Bank and card statements

You can upload a bank or card statement (a PDF, a spreadsheet or CSV, an OFX file, or photos or screenshots of it) to bring its spending into Splitpea. This is how we treat it:

• Read by our own models only. A statement is read on our own server by models running on hardware we own, in our own premises. It is never sent to Anthropic’s Claude or to any other outside AI, whatever your Improve Receipt Reading setting.
• What is read: each line’s date, description and amount, and from the top of the statement the bank or card’s name, the last 4 digits of the card or account number, the statement period and the printed balances and totals (used only to check that every line was read).
• Not used for training. Statements are never used to improve or train our models or anyone else’s, are never put in our test sets, and our staff do not look at them.
• Stored encrypted, for you alone. The file is kept encrypted and only you can open it. The people you share an expense with see that expense as usual, never your statement, the card’s digits or the amount your bank shows.
• Only what is needed is kept. Once you save, we keep which line became or matched which expense, a fingerprint of each line so the same line is never brought in twice, the lines you chose to skip, and the statement’s name and period without its balances. Every other line read from it is deleted.
• Your storage. Everybody has 5 GB, free, for the statements and receipt photographs they upload. We never delete a file of yours on our own: when the space is full, new uploads are refused until you delete some, and typing an expense by hand always works. See and delete your files in Account, then Your files; deleting a file keeps the expenses made from it.
• Deleting your account deletes every statement file and everything read from them.

Using receipts and app data to improve Splitpea

By default, the receipt photos you scan or send us, what is read from them, and any corrections or reports you make are used to improve and train Splitpea’s receipt reading — for example to tune our reader’s instructions, to compare it with the second reading described above, to build test sets that check every change, and to train or fine-tune our own models. What is read from a receipt includes the shop, the date, the lines and amounts, and details such as the receipt or invoice number and how it was paid (cash or card, the card’s type and its last four digits — never a full card number), so that you can search for them. Our staff may look at receipts for this. App diagnostics and statistics (errors, performance, and how features are used) are used the same way, to find problems and improve the app.

We use your receipts and data only to run Splitpea and for this learning and training. We never sell your data, we don’t rent it or give it to any other company for its own use, we don’t use it for advertising, and we don’t let others train their models on it. Anthropic reads receipts only on our behalf, as described above. If you delete a receipt or your account, we remove its photo and readings, including the second reading, from our test and training sets; a model already trained before you deleted it is not retrained.

You choose. The app asks you once, the next time you open it, and you can change your answer at any time in Account → Privacy → Analytics & Improvements (on the web, Account → Analytics & Improvements). There are two switches:

• Improve Receipt Reading — your receipts, what is read from them, and your corrections and reports. Turn it off and we stop using them for this, your receipts are no longer read a second time by Claude (only when our reader cannot make one add up), and we remove them from our test sets.
• Share App Analytics — your app diagnostics and usage statistics. Turn it off and they are left out of any work to improve or train anything. Diagnostics that keep the app running are still collected and used to fix errors, as described above.

Who can see what

The people in a group can see that group's expenses, the receipts attached to them, and any comments. Someone you split with one to one sees only what you share with them. Apart from our own staff, as described above, nobody else can see your data, and we do not sell it, rent it, or hand it to advertisers. There are no advertisers.

Ways to pay you (a PayPal.Me name, Venmo username, Cash App $cashtag, Zelle email or phone, or a note) are kept only if you add them, and are shown only to your friends and the people in your groups, when they settle up with you.

Anyone you send a receipt’s tick link to sees that receipt’s lines and the names of the people on the bill (never email addresses or phone numbers) until you stop the link.

Invites

When you add somebody who is not on Splitpea and ask us to invite them, we email them once with your name and a link. We keep only that the invite was sent, so nobody gets more than one a week, and every invite has a link that stops all Splitpea invites to that address for good. Invites you send by text come from your own phone, not from Splitpea.

What leaves our servers

• Apple (iPhone) and Google (Android) receive a notification token and the text of a notification, in order to deliver it to your phone.
• Anthropic receives receipt photos, and nothing else about you, to read them for us: a receipt our own reader could not make add up, and, unless you turned off Improve Receipt Reading, every receipt a second time to check our reading. Bank and card statements are never sent to Anthropic or any other outside service.
• Telnyx, our text-message carrier, receives your mobile number and the sign-in code, only to deliver the text.
• OpenStreetMap receives a shop's name and printed address, never who you are, to find the place of a receipt on the map.
• Tips. A tip through the App Store or Google Play is handled by Apple or Google; we are not told who tipped. A tip by card is paid on Stripe's page: we send Stripe only the amount, and the card details and email address you give there stay with Stripe.
• Email we send you — a sign-in code, for example — passes through our own mail server.
• Nothing else. There is no analytics service, no advertising network and no third-party tracking in Splitpea.

Your mobile number and text messages

• If you add a mobile number, we use it only to text you sign-in codes when you ask for them, and to recognise you when you sign in that way. Somebody who already knows your number can add you as a friend with it.
• We never use your number for marketing, and we never sell, rent or share it, or your agreement to receive texts, with anyone for their marketing. Our carrier handles it only to deliver the texts.
• Reply STOP to any text to stop them; reply HELP for help. Remove your number at any time in Account.

Getting your data out

Every expense you can see can be exported as a spreadsheet from within the app, at any time, with no limit and no charge.

Deleting things

You can delete an expense, leave a group, remove a receipt's location, or delete your account and everything attached to it, from within the app (Account, then Delete account). Deleting your account removes every way you sign in (passkeys, linked Google or Microsoft accounts, your phone number), your own spending and budgets, your receipts, your bank and card statements, your comments, your picture, your devices and your diagnostics. You can also delete any receipt photo or statement on its own in Account, then Your files. Expenses you shared with other people remain visible to them, because those are their records too, but they show as “Deleted account” rather than your name or address.

If you would rather we did it, write to [email protected] and we will, within thirty days.

Children

Splitpea is not intended for children under 13, and we do not knowingly hold their data.

Changes

If this policy changes in a way that matters, the app will say so, rather than quietly updating a date at the top of a page nobody reads.

Contact

DYKOS Media Inc, Brooklyn, NY, United States · [email protected]