Application: Owe & Owed (Package ID: com.owing.app)

Effective Date: October 6, 2026

1. Overview & Commitment to Privacy

Owe & Owed is a personal finance ledger designed to help users track money lent and borrowed. We are firmly committed to user privacy. The application is built with a 100% offline-first architecture. We do not operate external cloud servers, maintain remote databases, or require user account creation.

We do not collect, transmit, store externally, sell, or share your personal or financial data with any third parties.

2. Information Collection and Use

All records entered into Owe & Owed—including contact names, debt and loan amounts, categories, due dates, settlement status, and transaction notes—are stored exclusively on your device's local encrypted storage sandbox.

• No Cloud Synchronization: Your records stay strictly on your physical device and are never uploaded to any remote server.

• No Account Registration: You do not need to provide an email address, phone number, or login credentials to use the application.

• Zero Analytics or Tracking: The application contains no tracking SDKs, no behavioral telemetry, and no third-party crash profiling tools.

• Zero Advertisements: The application is completely free of third-party advertising SDKs.

3. Offline Backup and Storage Access

The application provides an offline backup feature allowing you to export and restore your ledger data via JSON files.

• Storage Access Framework: Backups are processed through Android's native system file picker (Storage Access Framework). You have full control over where your backup file is saved (e.g., local storage, SD card, or your personal Google Drive).

• Developer Access: The developer has no access to your backup files, encryption keys, or exported data.

4. Biometric Security & Device PIN

If you choose to enable the optional App Lock feature:

• Authentication is performed entirely by Android's native BiometricPrompt hardware security module.

• The application never accesses, reads, or stores your fingerprint data, facial recognition scans, or device PIN.

5. Local Notifications & Reminders

If you set due-date alerts or payment reminders:

• Scheduled notifications are registered locally with your device's Android AlarmManager.

• No push notification servers or external messaging gateways are used.

6. Third-Party Disclosures

Because the application does not collect any data, your information is never sold, traded, rented, or transferred to any third parties.

7. Children’s Privacy

Owe & Owed does not collect any personal information from anyone, including children under the age of 13, and complies fully with the Children’s Online Privacy Protection Act (COPPA) and international child privacy regulations.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any revisions will be reflected on this page with an updated "Effective Date".

9. Contact Us

If you have questions or concerns regarding this Privacy Policy, you may contact the developer through the developer contact details provided on the Google Play Store app listing.