Divvo Privacy Policy
Last updated: November 9, 2026
Divvo helps you split costs with a partner, friends, a trip or a shared home. It was built so your groups stay with you.
Divvo is developed by Noramis, the company responsible for the app and for this policy (“we”, “us”).
What Divvo stores
Only what you create in the app: your name and main currency, your groups, the names of the people in them, expenses with amounts, currencies, exchange rates, categories, dates and notes, how each expense is split, receipt items you keep, payments between people and recurring expenses. All of it stays in the app’s database on your iPhone.
The people in a group don’t need the app. Divvo only keeps the name you type for them.
iCloud sync and shared groups
If iCloud sync is on, Divvo syncs your groups through your private iCloud database so they show up on your other devices. Apple keeps this data under your Apple Account. Noramis can’t see or access it. You can turn sync off in Settings > Data and sync at any time.
When you share a group, Divvo uses iCloud sharing. The group stays in your iCloud and only the people you invite can see and edit it. When someone shares a group with you, it stays in their iCloud. The owner can stop sharing and any person can leave a group at any time.
Exchange rates
If automatic rates are on, Divvo downloads the reference exchange rates published by the European Central Bank from the Frankfurter service and saves them on your iPhone for offline use. The request carries no information about you or your groups. You can turn it off in Settings and type rates by hand.
What Divvo doesn’t do
- No account to create.
- No ads.
- No analytics or tracking.
- No third-party code that collects data.
- No selling or sharing of your data.
- No servers of ours that receive your data.
Permissions
All permissions are optional and you can change them in the iOS Settings app.
- Camera: to scan receipts. The text is read on your iPhone with Apple’s Vision framework. The photo is not saved and is never sent anywhere.
- Photos: to read a receipt from a photo you pick in the iOS photo picker. Divvo only gets the photo you choose and doesn’t keep it.
Purchases
Divvo Plus subscriptions are processed by Apple. We never receive your payment details. The app only asks Apple whether your subscription is active and keeps the last answer on this iPhone to show the right plan offline.
Your control
- Export any group at any time as a spreadsheet (CSV) or a report (PDF).
- Erase everything in Settings > Data and sync > Erase everything. This removes your groups from this iPhone and turns sync off. The copy in iCloud stays until you remove it in the iOS Settings app, under your name > iCloud.
- Deleting the app removes the data stored on the device.
Because your data stays with you, there is no copy of ours to request or delete.
Children
Divvo is made for adults who share costs and is not directed at children.
Changes
If this policy changes, we update this page and the date at the top.