Privacy Policy

1. Information we process

When you use GroupFunds, we may process:

• Account information such as your email address, provider account identifier, display name and provider avatar.
• Group information such as group name, icon, members, roles and invitation or join-request records.
• Financial records you enter, including contributions, collection requests, shared expenses, amounts, currencies and activity history. GroupFunds records this information but does not hold or transfer money.
• Device and installation information required for secure sessions, push notifications, reliability and fraud prevention.
• Diagnostics such as crash and performance information. The Android app may also process advertising identifiers when ads are enabled.

2. How we use information

We use information to authenticate your account, synchronize your groups across devices, calculate group fund and member balances, deliver invitations and notifications, provide support, secure the service and improve reliability. We do not sell your personal information.

3. Sign-in and email codes

You may sign in with Google, Apple or an email one-time code. Google and Apple provide verified identity information under their own privacy terms. Email codes are delivered through Amazon Simple Email Service and expire after a limited period. GroupFunds never asks for or stores your Google or Apple password.

4. Service providers

GroupFunds uses service providers only where necessary to operate the product, including Google Cloud for application hosting and database infrastructure, Amazon SES for email-code delivery, Firebase Cloud Messaging for push notifications, Google and Apple for sign-in, and Google services for diagnostics or Android advertising where enabled. These providers process information under their respective terms and security controls.

5. Retention and deletion

You can delete your Account in the GroupFunds mobile app. If you cannot access the app, follow the instructions on our Account deletion page to send a request from the email address linked to your Account.

When deletion is confirmed, your GroupFunds sessions and sign-in identities are revoked, personal profile data is removed, and active group memberships become inactive. In-app deletion is processed immediately. A verified email request is processed within 2 business days.

Deletion does not erase or reverse financial records already shared with a group. Former memberships, ledger entries, balances, contributions, expenses, collections and activity may remain under the name Deleted account so other members retain an accurate group history. A deleted Account does not receive new transactions or notifications.

If the deleted Account owns a group, ownership may be transferred only to an eligible active Admin or Member of that same group, using the server's recent in-product activity policy. If no eligible person exists, the group may be archived. Signing in again with the same Google, Apple or email identity creates a new, empty Account and does not restore the deleted Account or its former memberships.

Security, audit, backup and financial-integrity records may remain for a limited period where required to protect the service, comply with law or preserve the integrity of shared group records.

6. Security

We use encrypted network connections, short-lived access sessions, rotating refresh tokens and restricted service credentials. No method of storage or transmission is completely secure, but we apply safeguards appropriate to the information processed.

7. Your choices

You can sign out, control notification permissions in system settings and request account deletion or privacy support. Some group activity may continue to appear to other members where retaining the shared record is necessary to keep the group history accurate.

8. Children

GroupFunds is not directed to children under 13, and we do not knowingly collect personal information from children under 13. Contact us if you believe a child has provided information to the service.

9. Changes and contact

We may update this policy as the product changes. The effective date above identifies the latest version. For privacy questions, contact helper@gricemobile.com. For deletion instructions, see Delete your account.