Privacy Policy

Effective Date: 2/17/2026

1. Information We Collect

Account Information

• Email
• Username
• Display name
• Phone number

Identity Verification (KYC)

• Legal name
• Date of birth
• Address
• Social Security number

Collected only when required for regulatory compliance.

Social Data

• Friends lists
• Group membership
• Chat content
• Leaderboard placement
• Points and VIP status

Transaction Data

• Payment amounts
• Timestamps
• Status information

Divvum does not store full bank account or card numbers.

Receipt & Document Data

• Images of receipts or documents uploaded by users
• Merchant names, dates, totals, and line items extracted from uploaded receipts
• Metadata associated with uploaded files

Device & Authentication Data

• Login activity
• Device identifiers
• Biometric login handled by your device

2. How We Use Information

We use data to:

• Provide and improve services
• Authenticate users
• Prevent fraud
• Comply with legal obligations
• Enable payments via Stripe
• Operate social features

3. How We Share Information

We share data only as necessary with service providers:

• Stripe (payment processing & compliance)
• Mindee (receipt processing and data extraction)
• Firebase (authentication)
• Vercel (hosting & infrastructure)

We do not sell user data.

Document Processing Services

When you upload a receipt, the image may be transmitted securely to Mindee for automated data extraction. Mindee processes the document solely for the purpose of extracting structured transaction data.

Receipt images and extracted data are retained only as long as necessary to provide the service and comply with legal obligations.

4. Data Retention

We retain information:

• As long as your account is active
• As required for legal or regulatory obligations
• As required by Stripe or financial partners

5. Security

We use industry-standard safeguards including:

• Encryption in transit (TLS)
• Secure cloud infrastructure
• Role-based access controls

Sensitive financial information is handled by Stripe.

6. User Rights

You may:

• Request account deletion
• Request access to your data
• Disconnect linked services

Some data may be retained as required by law or third-party financial providers.

To make a privacy request, contact: contact@divvum.app

7. Children's Privacy

Divvum is not intended for individuals under 18.

8. Changes to Policy

We may update this Policy. Continued use after updates constitutes acceptance.