Privacy Policy

Version 1 · in effect from 10 November 2026. This policy covers Settla Tabs 1.0 for iPhone and this website.

Who we are

Settla Tabs is made by Evalo Labs (EVO Labs AB, org. no. 559072-1097, Folkungagatan 122, 116 30 Stockholm, Sweden). Evalo Labs is the controller for the personal data this policy describes. Write to us at support@settlatabs.com.

What stays on your iPhone

Everything you put into Settla Tabs stays on your iPhone: your groups, the names of the people in them, expenses, payments, budgets, the Swish numbers you add, and your settings. The app keeps it in its own storage on the phone, and Settla Tabs' widgets read a summary of it from storage the app shares with them on the same phone. We never receive any of it.

If you back up your iPhone (with iCloud Backup or to a computer), Settla Tabs' data is part of that backup. Backups are handled by Apple or your computer, under their own terms; we can't see them.

Deleting a group deletes it from your iPhone. Deleting the app deletes all of its data from your iPhone, though a backup made earlier keeps its copy until it's replaced. Before an update, the app keeps a copy of its data on your iPhone in case something goes wrong; it keeps the last two.

The names you type for your friends are yours to keep: they stay on your phone with the rest of the group.

Exchange rates

When you add or change an expense in a currency other than the group's, Settla Tabs asks Frankfurter, a free service that publishes the European Central Bank's daily reference rates, for the rate on the expense's date. The request holds only currency codes and that date. Like any request on the internet, it also shows Frankfurter your IP address. It holds nothing about you or your group, and it doesn't pass through us.

Rates for past days are kept on your iPhone, so they're never asked for twice. Fetching a rate needs an internet connection; without one, you can type the rate yourself.

Buying Premium

Premium is a one-time purchase through Apple's App Store. Apple handles the payment and your Apple Account, and we never see your card or account details. On your iPhone, the app asks Apple whether Premium has been bought; that's all it learns. Apple sends us sales reports (for example, sales per country) that don't name you. Apple's privacy policy covers the App Store.

Crash reports from Apple

If you've chosen to share analytics with app developers in your iPhone's settings (Settings › Privacy & Security › Analytics & Improvements), Apple may send us crash reports and summary figures about how Settla Tabs runs. That's your choice in iOS and Apple's service; apart from the usage statistics below, Settla Tabs itself sends nothing.

What you share

Settla Tabs can make things for you to send: the message from Send… that tells someone what they owe (it ends "Worked out with Settla Tabs"), Swish links and QR codes, the payments or the activity as text, an Excel file of a group, and a backup of your groups. Each goes through the iPhone's share sheet to the person or app you choose, and nowhere else. We never see them. What's in them is the group's content: names, amounts, what the expenses were for.

A Swish link, and the QR code that holds it, carries the receiver's Swish number, the amount and the group's name. Whoever opens it hands those to Swish (Getswish AB): to the Swish app, or to Swish's website if the app isn't on that phone. Swish's own terms apply from there.

If you write to us

When you email us, we get your email address and what you write, and use them only to answer you. Contact Support in Settings starts the email with the app's version, the iOS version and the app's language, to help us help you; it never includes your groups. We keep support emails for as long as we need them to help you, and at most two years.

Mail to support@settlatabs.com is forwarded by Cloudflare (Email Routing), which doesn't keep it, to our mailbox at Google (Google Workspace). Both are our processors. Google may handle it outside the EU, under the EU's standard contractual clauses and the EU–US Data Privacy Framework.

This website

This site has no cookies, no analytics and no ads. It's hosted by Cloudflare, which handles the requests your browser makes, including your IP address, to deliver the pages and keep the site safe.

Usage statistics

To learn how Settla Tabs is used and make it better, the app sends usage statistics to Evalo Labs: which features and screens you use, whether you have Premium, and how far you get in things like adding an expense or buying Premium. Each event is one of a fixed list of 20, and each value one of a fixed set of words: What's Sent in Settings › Privacy lists them all. The statistics never hold names, group names, amounts, currencies, budgets, Swish numbers, messages or anything you type, nor your device model, region or IP address.

Your right to object

Usage statistics are on unless you turn them off. Before anything is sent, the app shows a notice about them. You can object at any time, without giving a reason, by turning off Usage Statistics in Settings › Privacy. Sending stops at once and your iPhone forgets its random ID. What was already sent stays with us, no longer connected to your iPhone, until it expires after 13 months. Premium and every other feature work the same either way.

Why, and on what legal basis

We rely on our legitimate interest (GDPR art. 6(1)(f)): learning which features are used, where people give up, and what leads people to buy Premium, so we can decide what to build next and what to charge. We weighed that against your interests: the data is minimal, it's linked to a random ID rather than to you, times are rounded to the hour (the day for purchases), it's stored in the EU for 13 months, and one switch stops it. You can ask us for the assessment.

The random ID

The statistics carry a random ID made on your iPhone. It isn't derived from your device, your Apple Account or a purchase, and we store only a keyed hash of it. It lasts as long as the app's data: it's kept through updates, comes back if you restore your iPhone from a backup, and is gone when you delete the app. Turning the statistics off and on again starts a new one. The ID has no expiry of its own; the events we hold for it go after 13 months.

Where it goes

The statistics go to our own service on Cloudflare (Cloudflare, Inc.), our processor under a data processing agreement. Cloudflare handles each request at its nearest location, which may be outside the EU, under the EU's standard contractual clauses and the EU–US Data Privacy Framework, and the statistics are stored only in the EU. To deliver the request and protect the service from abuse, Cloudflare processes your IP address and may keep it in its security logs, under Cloudflare's privacy policy. Our service never reads or stores your IP address. As the statistics grow, we plan to keep them in Snowflake's EU region, also as our processor. Both give the same protection as this policy describes.

How long

Events are kept for 13 months, plus up to 30 days in backups. Daily totals with no ID in them may be kept longer. It's the same whether you keep the statistics on, turn them off or delete the app.

Seeing what was sent

Recently Sent, under What's Sent in Settings, shows what your iPhone has sent that we still hold. Because the ID is never shown and we never know who it belongs to, we can't find your statistics to delete them early, and we never ask you for anything that identifies you (GDPR art. 11(2)); a request by email gets these same answers. They expire after 13 months. Your other rights, and IMY, are under "Your rights" below.

The statistics aren't used for automated decisions, advertising or tracking, and they're never sold. Test versions of the app (TestFlight) send to a separate test service that keeps them for 14 days.

Children

Settla Tabs collects nothing beyond the usage statistics above, from anyone, children included.

Purposes and legal bases

What we're responsible for, and what allows us to do it (GDPR art. 6(1)):

• Exchange rates: fetching the rate an expense needs, to provide the app you use (our agreement with you, art. 6(1)(b)).
• Usage statistics: our legitimate interest in improving the app (art. 6(1)(f)), as described above.
• Support emails: answering you and following up, under our legitimate interest in helping you (art. 6(1)(f)), or our agreement with you when it's about Premium you bought (art. 6(1)(b)).
• This website: delivering the pages and keeping the site safe, under our legitimate interest in a website that works (art. 6(1)(f)).

Where the basis is our legitimate interest, you can object to it.

Your rights

Under the GDPR you can ask for access to the personal data we hold about you, and have it corrected or deleted. You can also ask us to restrict how it's used, object to it, and get it in a form you can take elsewhere (data portability). Because Settla Tabs keeps your groups on your iPhone, and we can't tell whose usage statistics are whose, we normally hold nothing we can find about you beyond emails you've sent us; ask us anyway, and we'll answer. We may need to confirm it's you before we act on a request. What's only on your iPhone you can see, change and delete yourself in the app. You can object to the usage statistics at any time with the switch in Settings. You can also complain to the Swedish Authority for Privacy Protection, Integritetsskyddsmyndigheten (IMY).

Changes

If this policy changes, we'll update it here and change the date at the top. If a change affects what the app sends, the app will tell you first.