1. Who we are
SmitSocial.Media Limited operates Squario, a group expense, shopping and savings application. Contact us about privacy at privacy@getsquario.com.
2. What this policy covers
This policy explains how we handle information when you create an account, join a group, record shared spending, use shopping or savings features, work offline, receive notifications, contact support, or interact with partner offers.
3. Information we collect
- Account information: first name, surname, optional nickname, email address, password hash, home country, home currency, language and account status.
- Group information: group names and types, membership, roles, invitations and activity history.
- Expense information: descriptions, amounts, currencies, exchange-rate records, payers, split participants, balances, revisions and manually recorded settlements.
- Shopping and savings information: shared lists, shopping items, loyalty-card references, vouchers, discount codes, usage notes and expiry information when those features are used.
- Location context: your chosen home country and, only with your choice or permission, a short-lived current country used for local savings while travelling. We do not need continuous background location for this feature.
- Offline and device information: device identifier, platform, app version, pending sync operations, sync status and conflict records needed to make offline changes reliable.
- Notifications: push token and notification preference.
- Diagnostics and activity: security logs, app events, errors and feature usage needed to operate, protect and improve the service.
- Partner-offer activity: offers shown, clicks, country eligibility context and conversion references supplied by affiliate partners.
- Support information: messages and information you provide when asking for help or exercising privacy rights.
We do not currently connect to bank accounts, store bank-login credentials, move money or process card payments.
4. How we use information
We use information to provide accounts and groups, calculate balances, synchronise offline changes, show shared shopping data, send requested notifications, protect the service, respond to support requests, comply with law and—where enabled—select geographically eligible and contextually relevant partner offers.
Home country and temporary travel country are separate. Home country is used for account preferences and eligibility; a travel country may be used for local savings while travelling and does not replace your home country.
5. Partner offers and personalisation
Squario is free and may earn commission from clearly labelled partner or sponsored offers. Eligibility can use coarse signals such as country, currency, group type, spending category, approximate spending band or app activity. Raw expense descriptions, shopping-item names, private notes, receipts, member names and individual debts are not supplied to offer ranking or affiliate partners for personalisation. You may ignore offers and object to offer personalisation. Financial offers are not personal financial advice.
6. Sharing and international use
We may use hosting, database, security, email, notification, analytics and support providers. Information may be sent to an affiliate network or offer provider when you follow a partner link. Other group members can see information intentionally shared with that group. The service may be used worldwide and appropriate safeguards are used where required for international transfers.
7. Administrative access and confidentiality
Routine administration screens show pseudonymous references, counts, status and service health instead of customer names, email addresses, expense descriptions, shopping contents or individual balances. Human-readable expense descriptions, shopping-list content, settlement notes and synchronisation payloads are encrypted in the service database. Structural ledger information—including amounts, currencies, dates, categories and pseudonymous account references—must remain available to calculate balances and synchronise groups.
This is encryption at rest, not end-to-end encryption. Authorised infrastructure processes can decrypt private content to deliver it to group members. Exceptional infrastructure access is restricted to necessary support, security, abuse investigation, legal compliance, backup recovery or essential maintenance. Administrative dashboard access is restricted and logged. We do not use routine administrative access to browse customer spending.
8. Retention and deletion
We keep information only as long as needed for the purposes described, security, disputes and legal obligations. You can initiate account deletion inside the app. Profile data, device registrations, push tokens, location context and personalisation preferences are deleted or anonymised. Shared financial history may remain under the neutral name Former member so other members' balances are not silently changed.
Depending on where you live, you may have rights to access, correct, export, restrict, object to or erase personal information. Contact privacy@getsquario.com. We aim to complete verified deletion requests within 30 days unless a lawful reason requires longer.
9. Security, children and changes
We use HTTPS, hashed passwords, encryption of private content at rest, pseudonymised routine administration views, access controls and audit logging. Encryption keys are kept separately from database content. The service is not intended for children who cannot lawfully consent in their country. We may update this policy as the product develops; the active version and effective date are shown in the app.