Privacy Policy

Last updated: April 2026

OweMe ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use the OweMe mobile application and web application.

1. Information We Collect

We collect the following information when you use OweMe:

• Account Information: Your name, email address, and phone number when you register
• Debt Records: Names, phone numbers, amounts, and notes you enter for debt tracking purposes
• Usage Data: App activity such as debts added, payments recorded, and features used
• Device Information: Device type and operating system for app compatibility

2. How We Use Your Information

We use the information we collect to:

• Provide and maintain the OweMe debt tracking service
• Sync your data across devices via Firebase
• Send SMS reminders on your behalf when you request them
• Process premium subscription payments
• Improve app performance and user experience
• Respond to support requests

3. Data Storage

Your data is stored securely on Google Firebase servers located in Europe (europe-west1). We use Firebase Authentication for secure login and Firebase Realtime Database for storing your debt records.

4. Data Sharing

We do not sell, trade, or share your personal information with third parties except:

• Firebase (Google): For data storage and authentication
• Paystack/Flutterwave: For processing premium payments (payment data only)
• Termii: For sending SMS reminders (phone number and message only)
• Legal requirements: If required by law

5. Data Security

We implement appropriate security measures to protect your personal information. Your data is protected by Firebase security rules that ensure only you can access your own debt records. All data transmission is encrypted using HTTPS.

6. Your Rights

You have the right to:

• Access your personal data at any time through the app
• Edit or update your profile information
• Delete your account and all associated data by contacting us
• Export your debt records as a PDF (Premium feature)

7. Children's Privacy

OweMe is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13.

8. Third-Party Links

OweMe may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by updating the date at the top of this page. Continued use of OweMe after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

• Email: univaultapps@gmail.com
• Website: https://oweme-33636.web.app