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Privacy policy

Fairloop helps friends keep track of shared costs. Here is what we collect to do that, why, and the choices you have. Short version: we record debts, we never move money, and we don’t sell your data.

Effective 11 November 2026Applies to the Fairloop apps and fairloop.blocmind.tech
On this page · 11 sections
We never move moneyFriends pay each other in their own apps.
Bank details are encryptedShown only to people who owe you.
We don’t sell your dataAd personalisation is off unless you turn it on.

1. Who we are

Fairloop is made by BlocMind Solutions (“BlocMind”, “we”, “us”), a product studio at blocmind.com. BlocMind is responsible for the personal data described in this policy. You can reach us at support@blocmind.com.

2. What we collect

Account details. Your name, email address and, if you add them, your full name, a profile photo and a phone number. Your phone number is never shown to other people. If you sign in with Google or Apple, we receive your name and email from them, and from Google your profile photo.
Groups and expenses. Groups you create or join, their members, expenses, amounts, currencies, notes, comments, recurring bills, budgets and the edit history on each expense.
Receipt photos. When you scan a receipt, the photo is sent to our AI provider to read the line items. We don’t keep the photo afterwards, only the expense you save.
Ways to get paid. Payment handles you choose to add, such as a UPI ID, PayPal.me, Venmo, Cash App or Revolut link, or bank details like an IBAN or account number.
Ask Fairloop. The questions you ask and the answers. Ask only looks at the groups you’re in, and it only drafts changes. Nothing is saved until you confirm.
Device and usage data. Device platform, a push notification token, and monthly usage counts used to show your plan’s limits.

3. How we use it

  • To run Fairloop: work out who owes who, sync your groups across devices, and send reminders and notifications you’ve allowed.
  • To convert currencies. We fetch exchange rates from a rates provider. No personal data is sent to get them.
  • To provide Plus features you pay for, and to show free plan limits.
  • To keep Fairloop safe, fix bugs and understand which features help.
  • To meet legal obligations.

Our legal bases are: providing the service you asked for, our legitimate interest in keeping it safe and improving it, and your consent where it’s needed, such as personalised ads.

4. Payments and your money

Fairloop is a record of shared costs. It does not hold money, transfer money or store payment cards. When you settle up, Fairloop opens your own payment app or shows the other person’s details so you can pay them directly. That payment is between you, your friend and your payment provider, under their own privacy terms.

Pay links (fairloop.blocmind.tech/p/…) are web pages you can share with someone who owes you. They show that person’s share and the ways you’ve chosen to get paid. Anyone with the link can see that page, so share it only with the person it’s for.

5. Who can see what

  • Members of a group see that group’s expenses, receipts, comments and edit history, plus your name and photo.
  • Your bank details are masked. They are only shown in full to people who currently owe you.
  • Other Fairloop users who aren’t in a group with you can’t see your groups or expenses.

6. Ads and subscriptions

The free plan shows ads through Google AdMob. Ad personalisation is off by default. You can turn it on or off in Profile › Your plan. On iPhone we ask for tracking permission first. In the EU and UK we ask for your consent first. Ask Fairloop never shows ads, and Plus has no ads at all.

Subscriptions are sold by the Apple App Store and Google Play. They handle your payment. We only receive whether your subscription is active.

7. Service providers

We don’t sell your personal data. We share it only with providers who help us run Fairloop, under contracts that limit how they use it:

Cloud hosting and email
Hostinger (servers in Malaysia)Google and Apple sign-in
If you choose themAnthropic (AI provider)
Ask Fairloop and receipt readingGoogle AdMob
Free plan adsPush notifications
Apple and Firebase Cloud MessagingApp Store, Google Play and RevenueCat
Subscriptions

We may also share data if the law requires it, or as part of a business sale where this policy would continue to apply.

8. Storage and security

Data is encrypted in transit. Payment details are also encrypted in our database. Each group’s data can only be read by its members.

Your data is kept while your account is open. When you delete your account, your personal data is removed straight away and cleared from backups within 14 days. Expenses you shared stay in your friends’ group records, so their totals still add up.

Your data is stored in Malaysia. Where it’s moved between countries, we use approved safeguards such as standard contractual clauses.

9. Your choices and rights

Export
Download your expenses as CSV from Insights.Correct
Edit your profile and expenses any time.Delete
Profile › Delete account, or use our deletion page.Opt out
Turn off ad personalisation and notifications.

Depending on where you live, you may also have the right to access your data, restrict or object to how we use it, and complain to your local data protection authority. To use any of these rights, contact us below.

10. Children

Fairloop isn’t meant for children under 13 (16 in the EU and UK). We don’t knowingly collect their data. If you think a child has given us data, contact us and we’ll delete it.

11. Changes and contact

If we change this policy in a meaningful way, we’ll tell you in the app before the change takes effect.

Questions about your privacy?BlocMind Solutions · support@blocmind.comEmail us
FairloopFree · iPhone & AndroidGet the app