Last updated: June 9, 2026
Jointly ("we," "us," or "our") is operated by Joshua Knopman, a sole proprietor based in Brooklyn, New York. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use the Jointly mobile application (the "App").
By using the App, you agree to the collection and use of information as described in this Privacy Policy. If you do not agree, please do not use the App.
Account Information: When you create an account, we collect your name, email address, and profile photo (if provided). You may sign in using email/password, Google Sign-In, or Apple Sign-In. If you use Apple Sign-In, Apple may provide a private relay email address instead of your real email address, depending on your Apple ID settings.
Financial Data via Plaid: If you choose to connect a bank account, we use Plaid Inc. to securely access your transaction data. Plaid retrieves transaction details (merchant name, amount, date, category) and basic account information (institution name, account mask) on your behalf. Jointly never receives, stores, or has access to your bank login credentials. Your credentials are handled entirely by Plaid under their own End User Privacy Policy.
Financial Data via Apple FinanceKit: If you choose to connect your Apple Wallet, we use Apple's FinanceKit framework to access transaction data from your Apple Card, Apple Cash, and Savings with Apple accounts. FinanceKit reads this data directly from your device — Apple does not receive or have access to the transaction data you share with Jointly. We collect transaction details (merchant name, amount, date, category) and transmit them to our servers for expense-splitting functionality. You authorize this access through a system-level iOS prompt and can revoke it at any time in iOS Settings → Privacy & Security → Finance.
Expense and Split Data: We store records of transactions, manual expenses, splits, settlement history, and related notes that you create within the App.
Receipt Images: You may attach receipt or photo images to your transactions and splits within the App. These images are stored in Firebase Storage. Receipts on a transaction you have not split remain private to you; once a transaction is split, its receipts become visible to your partner along with the shared split.
Partnership Data: If you pair with a partner, we store information about that relationship, including invite codes and shared split preferences.
Payment Preferences: If you choose to link a payment app (Venmo, PayPal, or Cash App) for settlement, we store your username for that service. We do not process payments directly.
Biometric Authentication: If you enable Face ID or Touch ID, your sign-in credentials are stored in the iOS Keychain with biometric access control. No biometric data (fingerprints, facial scans) is collected, stored, or transmitted by Jointly. All biometric processing is handled locally by Apple's LocalAuthentication framework and never leaves your device.
In-App Feedback: If you respond to an optional in-app satisfaction survey, we store your response to help improve the App. Survey responses are also sent to Firebase Analytics.
Subscription Data: If you subscribe to Jointly Premium, Apple processes your payment through the App Store. We store your subscription status and a subscription identifier in our database to manage feature access. We do not receive or store your payment method details (credit card number, billing address, etc.). All payment processing is handled entirely by Apple.
Analytics: We use Firebase Analytics to collect anonymous usage data to improve the App. This includes screen views, feature interaction events (such as creating splits, connecting accounts, or changing settings), and aggregated behavioral metrics (such as the number of connected accounts, splits created, or your preferred payment app). We also collect user-created category names and optional survey responses. This data does not include personally identifiable information, transaction amounts, merchant names, or account numbers. Analytics data is processed by Google under their privacy documentation.
Push Notifications: If you enable push notifications, we store a device token to deliver notifications about new splits, settlements, and review requests. This token does not contain personal information and is deleted when you disable notifications or delete your account.
Device Information: If you choose to submit a bug report or contact support from within the App, your message may include basic device information (app version, iOS version, and device model). This information is only sent when you initiate a support request and is not collected automatically.
We use the information we collect to:
We do not sell, rent, trade, or otherwise share your personal information or financial data with third parties for their marketing or advertising purposes. Period.
We share your information only in the following limited circumstances:
We take reasonable measures to protect your information, including:
However, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.
We retain your data for as long as your account is active or as needed to provide our services.
Account Deletion: You can delete your account directly from the App via Settings. Account deletion includes a 7-day grace period during which you can cancel by signing back into the App. After 7 days, all of your data is permanently and irreversibly deleted, including your profile, transactions, splits, settlement history, partnership data, category preferences, and any connected account records. You may also contact us at info@getjointly.co for assistance.
Disconnecting a Bank Account: When you disconnect a bank account, the associated Plaid access token is immediately revoked and deleted from our servers, preventing any further data access. You are given the option to either keep your existing transaction and split data or remove all unsettled data associated with that account. Settled split history is preserved unless you delete your entire account.
Disconnecting Apple Wallet: When you revoke FinanceKit access — either through the App's settings or via iOS Settings → Privacy & Security → Finance — we immediately stop accessing new transaction data from your Apple Wallet. You are given the option to either keep your existing transaction and split data or remove all unsettled data associated with those accounts. Revoking FinanceKit access does not automatically delete previously shared data.
Removing Older Transactions: In Settings → Connected Accounts you can adjust the "Show Transactions From" date. Moving this date forward permanently and irreversibly deletes synced transactions dated before it from our servers. Your splits and settlement history are preserved.
Consent: Before connecting your first bank account, we obtain your explicit consent to access transaction data through Plaid. For Apple Wallet connections, consent is obtained through the FinanceKit authorization prompt, a system-level iOS dialog. This consent is logged with a timestamp for our records. You can revoke access at any time by disconnecting your bank account in Settings.
Depending on your location, you may have the following rights regarding your personal information:
To exercise any of these rights, contact us at info@getjointly.co.
If you are a California resident, you have the right to know what personal information we collect, request its deletion, and opt out of the sale of personal information. As stated above, we do not sell your personal information. To make a request, contact us at info@getjointly.co.
In compliance with the New York SHIELD Act, we implement reasonable safeguards to protect the security, confidentiality, and integrity of private information of New York residents, including administrative, technical, and physical safeguards.
The App is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly. If you believe a child has provided us with personal information, please contact us at info@getjointly.co.
The App is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. Jointly is not a financial advisor, accountant, or bank. The App is a tool for tracking and splitting shared expenses and does not provide financial, tax, or legal advice.
To the fullest extent permitted by applicable law, Jointly and its operator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or related to your use of the App, including but not limited to:
You use the App at your own risk and are solely responsible for verifying the accuracy of any financial information.
The App may contain links to third-party services (such as Plaid, Apple FinanceKit, Venmo, PayPal, and Cash App). We are not responsible for the privacy practices or content of these third-party services. We encourage you to review their privacy policies before using them.
We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last updated" date at the top of this page. Your continued use of the App after changes constitutes your acceptance of the updated policy.
If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:
Jointly
Operated by Joshua Knopman
Brooklyn, New York
info@getjointly.co