Effective Date: March 23, 2026
KoPay ("we," "us," or "our") is operated by Joseph Horvitz. This Privacy Policy explains how we collect, use, and protect your information when you use the KoPay mobile application ("App").
By using KoPay, you agree to the practices described in this policy.
Account Information: When you create an account, we collect your name, email address, and optionally a username. If you sign in with Google or Apple, we receive your name and email from those providers.
Venmo Username: If you choose to link your Venmo account, we store your Venmo username to generate payment request links. We do not access your Venmo account, balance, or transaction history.
Receipt Images: When you scan a receipt, the image is uploaded to our servers and sent to a third-party AI service (OpenAI) to extract item names and prices. Receipt images are stored in our cloud storage to allow you to view them within your tabs.
Tab and Payment Data: We store information about tabs you create or join, including item names, prices, who claimed which items, and payment status.
Friends and Groups: We store your friend list, friend groups, and blocked users to enable social features within the App.
Camera and Photo Access: With your permission, we access your device camera to scan receipts and QR codes, and your photo library to select receipt images. These images are only used for the purposes described above.
Device Information: If you enable push notifications, we collect a device token to send you notifications about friend requests, tab invitations, and payment updates.
Usage Data: We use Google Analytics for Firebase to collect anonymous usage data, including which screens you visit, features you use (such as receipt scanning, tab creation, item claiming, and payment flows), and session duration. This data helps us understand how the App is used and identify areas for improvement. We do not collect advertising identifiers (IDFA/GAID), and this data is not used for advertising or shared with advertisers.
Local Storage: We store certain preferences (such as whether you've seen onboarding tips) locally on your device. This data never leaves your device and is not transmitted to our servers.
We do not sell your personal information. We share information only in the following limited ways:
KoPay uses the following third-party services:
When you tap a Venmo payment link generated by KoPay, you are redirected to the Venmo app. Venmo's own privacy policy governs any data shared with or collected by Venmo.
We retain your account data for as long as your account is active. Tab data is retained to provide a shared record for all participants.
When you delete your account, we immediately delete your profile, username, friend lists, groups, blocked users, and notifications. Tab data you participated in may be retained for other participants' records. Receipt images associated with your tabs will be deleted within 30 days of account deletion.
We use industry-standard security measures provided by Google Firebase to protect your data, including encrypted connections (HTTPS/TLS) and secure authentication. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.
You can:
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and the right to request deletion. To exercise these rights, contact us at contact@kopayapp.co.
KoPay is not intended for users under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a user under 18, we will delete that account and its associated data.
We may update this Privacy Policy from time to time. If we make material changes, we will notify you through the App or by other means. Your continued use of KoPay after changes are posted constitutes your acceptance of the updated policy.
If you have questions about this Privacy Policy or your data, contact us at: