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Privacy Policy

Last updated: August 30, 2026

Owemint ("the app") is a personal, local-first debt tracking tool for individual record-keeping. This policy explains what information the app handles and where it goes. The short version: your debt-tracking records stay on your device by default, and we never see them. If you use Owemint Pro and enable Cloud Backup & Sync, your data syncs directly to your own personal Apple iCloud or Google Drive account without passing through any Owemint servers.

1. Data that stays on your device

The following stays on your device (unless you choose to enable optional Cloud Backup & Sync):

  • Debt-tracking records. Person names, amounts, due dates, notes, reasons, and optional photo attachments are stored entirely on your own device.
  • Offline access. The App does not send your records to our servers, and you can use the App offline for all core tracking functions.
  • App-lock. If you enable biometric or device authentication, we verify access through your device's security systems to support the optional app-lock.
  • Photos and files. If you choose to attach photos or files to your records, media permissions are used only to select and attach those files, and the App remains fully usable without them.
  • Google Account identifier. If you connect your Google Account in Owemint on Android for Google Drive sync, your account email and identifier are cached locally on your device solely to display your connection status and maintain your session; we never collect, store, or transmit this information to our servers.

Deleting the app removes local data from your device, subject to operating system behavior and any backups you created.

2. Data that leaves your device

  • Purchases (RevenueCat, Google Play, Apple). When you purchase, restore, or validate Owemint Pro, limited purchase-related data is processed by third-party billing platforms: RevenueCat (for purchase and entitlement management), Google Play (for Android billing), and the Apple App Store (for iOS billing). We do not directly process or store your payment card details. See their policies: RevenueCat Privacy Policy and Terms, Google Privacy Policy and Play Terms, and Apple Privacy Policy and Media Services Terms.
  • Crash reporting and diagnostics (Sentry). To help us identify, diagnose, and fix software bugs, crashes, and performance issues, the App uses Sentry, a third-party monitoring service. Sentry collects anonymous crash logs, technical device diagnostics, and application performance data (such as app load times and screen transitions). Sentry does not collect your debt-tracking records or personal financial records. See Sentry Privacy Policy.
  • Cloud Backup and Synchronization (Apple iCloud or Google Drive). If you are an Owemint Pro user and choose to enable Cloud Backup & Sync:
    • iOS (Apple iCloud): Your ledger snapshots and photo attachments are uploaded directly to your personal Apple iCloud storage. See Apple Privacy Policy.
    • Android (Google Drive): Your ledger snapshots and photo attachments are uploaded directly to the hidden Application Data folder in your personal Google Drive using the 'drive.appdata' permission. The App cannot access, view, or modify any other files or folders in your Google Drive. See Google Privacy Policy.
    • No Servers: All cloud synchronization operates directly between your device and Apple or Google servers. Owemint operates no servers, and we never access, inspect, or store your synced records, photos, or cloud credentials.
    • Google API Services User Data Policy: Owemint's use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

3. What we do not do

  • No servers. We do not operate servers to store your records.
  • No collecting or selling debt-tracking records or personal financial records.
  • No access to your other Google Drive files. The App interacts solely with its dedicated, private application folder.
  • No processing or storing your payment card details. Billing is handled by the App Store and Google Play. Refer to Section 2.

4. Pro purchases

Owemint Pro is sold as a one-time in-app purchase (non-consumable lifetime unlock) processed by the Apple App Store and Google Play. RevenueCat is used as our purchase-management layer to validate purchase status, manage entitlements, and support restore-purchase flows. Pricing, taxes, refunds, and terms are governed by platform store policies, and refunds must be requested through them. Restoring purchases requires the same store account used to buy the product.

5. Permissions

Permissions are requested only for specific, user-initiated features:

  • Notifications: If you enable notifications, we use this permission only to schedule and deliver local due-date and follow-up reminders based on your settings. You can still use the App if notifications are disabled.
  • Biometrics: If you enable biometric or device authentication, we verify access through your device's security systems to support the optional app-lock.
  • Google Account (Android): If you connect your Google Account in Owemint on Android for Google Drive sync, we request access only to the restricted Google Drive Application Data folder ('drive.appdata') to store and retrieve your app backups. You can disconnect your Google Account at any time.

6. Your choices and rights

  • You can opt out of crash reporting at any time in Settings > Privacy; the change takes effect on next launch.
  • You can enable, disable, or manage Cloud Backup & Sync at any time in Settings > Cloud Backup & Sync. Disconnecting your Google Account in Owemint on Android immediately revokes access and halts synchronization.
  • To delete cloud backups: on iOS, manage or remove data via your device's Apple iCloud storage settings; on Android, manage or remove data via Google Drive's "Manage Apps" settings or delete your local records.
  • On supported Apple devices, files stored in Owemint's document container may be visible through the Files app; on Android, through your device's File Manager. This local access is provided by your device's operating system, not by Owemint uploading your records to our servers.
  • Any other data sharing, such as exporting database or CSV files, is strictly user-initiated.

7. Children

Owemint is not directed at children under 13, and we do not knowingly collect personal information from them.

8. Changes

If this policy changes, this page will reflect the latest version. Continued use of Owemint after an update means you accept the revised policy.

9. Contact

For questions, contact us at [email protected].