Kuppl - Financial Planning for Couples Who Earn Different Amounts

Kuppl

Last Updated: November 5, 2025

Introduction

Kuppl.io ("Kuppl," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and financial planning application.

Kuppl is a financial coordination tool designed for couples. By using our service, you acknowledge that certain financial information will be shared with your partner within the application. Please read this policy carefully and ensure your partner does the same.

Information We Collect

Information You Provide Directly

Account Information: Email address, password, and display name when you create an account
Financial Information: Income amounts, expense categories, expense amounts, and financial goals you enter into the application
Partner Connection: Information used to link your account with your partner's account
Communications: Messages you send to us via email or in-app support

Information Collected Automatically

Usage Data: How you interact with our application, features you use, and time spent on different sections
Device Information: Browser type, operating system, device type, and screen resolution
Log Data: IP address, access times, and pages viewed
Cookies and Similar Technologies: We use cookies to maintain your session and remember your preferences

Information from Third Parties

Bank Account Data (Premium Feature): If you choose to connect your bank accounts through our integration partner (Plaid), we receive transaction data, account balances, and account holder information. We do not store your bank login credentials—these are handled securely by Plaid.

How We Use Your Information

We use the information we collect to:

Provide Our Service: Calculate proportional expense splits, generate scenario projections, and display shared financial dashboards
Share with Your Partner: Display relevant financial information to your connected partner within the application (this is a core feature of our couples-focused service)
Improve Our Service: Analyze usage patterns to enhance features and user experience
Communicate with You: Send service updates, respond to support requests, and provide account notifications
Ensure Security: Detect and prevent fraud, unauthorized access, and other security issues
Comply with Legal Obligations: Meet regulatory requirements and respond to lawful requests

We do NOT:

Sell your personal information to third parties
Use your financial data for advertising purposes
Share your information with your partner without your knowledge (all shared data is visible within the app)

Information Shared with Your Partner

Kuppl is designed for couples to coordinate finances together. When you connect with a partner, the following information becomes visible to them:

Your income amount (used to calculate proportional splits)
Joint expenses you add or are tagged in
Scenario planning projections that include your financial data
Your contribution amounts and percentages

Your personal expenses marked as "individual" remain private and are not visible to your partner.

You can disconnect from your partner at any time through your account settings, which will stop future data sharing.

How We Share Your Information

We may share your information with:

Service Providers

Payment Processing: Stripe (subscription payments—we do not store your full credit card number)
Bank Connections: Plaid (if you choose to connect bank accounts)
Email: Kit (for transactional and marketing emails)
Analytics: Google Analytics (usage data), Microsoft Clarity (session recordings and heatmaps)
Advertising: Meta Pixel and Reddit Pixel (to measure advertising effectiveness and deliver relevant ads)

Legal Requirements We may disclose your information if required by law, court order, or government request, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers If Kuppl is acquired, merged, or sells assets, your information may be transferred as part of that transaction. We will notify you of any such change.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activity. These include:

Essential Cookies: Required for the application to function properly
Analytics Cookies: Google Analytics and Microsoft Clarity help us understand how users interact with our service
Advertising Cookies: Meta Pixel and Reddit Pixel help us measure advertising effectiveness and may be used to show you relevant ads on those platforms

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our service.

Data Retention

We retain your information for as long as your account is active or as needed to provide you services. If you delete your account:

Account and financial data: Deleted within 30 days
Anonymized analytics data: May be retained indefinitely
Backup copies: Removed within 90 days''

You can request deletion of your data at any time by contacting us at hello@kuppl.io.

Your Rights and Choices

All Users:

Access: Request a copy of the personal data we hold about you
Correction: Update or correct inaccurate information
Deletion: Request deletion of your account and associated data
Portability: Request your data in a machine-readable format
Opt-Out: Unsubscribe from marketing emails at any time

California Residents (CCPA): You have the right to know what personal information we collect, request deletion, and opt out of the sale of personal information (note: we do not sell personal information).

UK and EU Residents (GDPR): You have rights to access, rectification, erasure, restriction of processing, data portability, and objection. You may also lodge a complaint with your local data protection authority.

To exercise any of these rights, contact us at hello@kuppl.io.

Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

Encryption of data in transit (TLS/SSL) and at rest
Secure authentication and access controls
Regular security assessments
Limited employee access to personal data

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

International Data Transfers

Kuppl operates from Athens, Greece. If you are accessing our service from outside Greece, please be aware that your information may be transferred to, stored, and processed in countries where our service providers operate, including the United States.

For UK and EU users, we rely on Standard Contractual Clauses or other approved transfer mechanisms to ensure adequate protection of your data.

Children's Privacy

Kuppl is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child under 18, we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by: