Privacy Policy for IOU: Personal Debt Tracker

Effective Date: 14 June 2026

ZAZ Digital Solutions ("we," "us," or "our") built the IOU: Personal Debt Tracker app as a Free application. This SERVICE is provided by ZAZ Digital Solutions at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

By using our Service, you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

1. Information Collection and Use For a better experience while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request includes, but is not limited to:

• Personal Identifiers: Full Name, National ID Number (MyKad / IC), Phone Number, and Email Address.

• Documentary Data: Digital signature verifications and uploaded images (such as payment receipts).

• Purpose of Collection: This data is strictly collected to verify user identity locally, generate simple personal payment summary sheets, and securely manage your personal ledger records. It is used solely as a digital diary tool for personal record-keeping.

2. Biometric Authentication Our app utilizes your device's built-in biometric authentication (such as Fingerprint or Face ID) to secure the application and authorize sensitive record-locking actions. Please note: We DO NOT collect, transmit, or store your biometric data on our servers. The biometric verification is handled entirely locally by your device's operating system.

3. Camera and Storage Permissions We require access to your device's camera and photo gallery to:

• Extract text from your National ID using Optical Character Recognition (OCR) for profile completion.

• Allow you to attach payment receipts to your personal transaction history.

Images processed by OCR are evaluated locally or securely processed and are not permanently retained on our servers beyond their intended use.

4. Third-Party Services & Cloud Storage The app does use third-party services that may collect information used to identify you. We securely store your encrypted ledger data using Google Firebase (Firestore & Authentication) to enable real-time syncing across your devices.

Link to the privacy policy of third-party service providers used by the app:

• Google Play Services

• Google Firebase

5. Data Retention and Deletion We retain your personal data only as long as your account is active. You have the right to request the deletion of your account and personal data at any time. Our app includes an in-app "Delete Account" feature. Once requested, your personal data will be permanently removed from our active database.

6. Financial Disclaimer IOU: Personal Debt Tracker is strictly a utility and productivity app for casual, personal record-keeping. Our app does not provide, facilitate, or broker any financial loans, interests, banking services, or commercial money lending activities. All logged items are for the user's private, personal reference only.

7. Security We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. However, remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

8. Changes to This Privacy Policy We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page.

9. Contact Us If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at:

• Email: iou.zazdigitalsolutions@gmail.com

• Company: ZAZ Digital Solutions - 202601002554 (1664651-H)