# Privacy Policy for OweFlow **Last Updated: November 2024** ## 1. Introduction OweFlow ("App", "we", "us", or "our") operates the OweFlow mobile application. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use the App and the choices you have associated with that data. We are committed to protecting your privacy. This Privacy Policy explains our data practices. --- ## 2. Data We Collect ### 2.1 Information You Provide When you use OweFlow, we collect the following information that you voluntarily provide: - **Loan Information**: Item names, categories, loan amounts, currencies, dates, and notes - **Person Information**: Contact names, phone numbers, and email addresses - **Device Contacts** (Optional): We may access your device contacts with your permission to help populate person information in loans ### 2.2 Information We Do Not Collect OweFlow does **not**: - Collect personal data without your explicit permission - Use analytics or tracking services - Collect location data - Create user accounts or profiles - Store data on external servers - Share your data with third parties (except as required by law) --- ## 3. How We Use Your Data We use the collected information to: - Allow you to track loans and reminders - Send you reminder notifications for upcoming loans - Display contact suggestions when you create loans - Improve the app's functionality Your data is used **only** to provide the services you request and is stored **locally on your device**. --- ## 4. Data Storage & Security ### 4.1 Local Storage All your data (loans, contacts, reminders) is stored locally on your Android device in an encrypted SQLite database. Your data remains on your device and is not transmitted to any external servers. ### 4.2 Backup Android's built-in backup feature may back up your app data if you have enabled automatic backups on your device. To control this: 1. Go to Settings > Google > Manage your Google Account > Data & Privacy 2. Scroll to "Android backup" 3. Turn off backup for OweFlow if you prefer your data not to be backed up ### 4.3 Security Measures - Data is encrypted by Android's SQLite if your device has a lock screen - All network connections use secure protocols - Sensitive operations are protected with runtime permissions --- ## 5. Permissions We Request ### 5.1 POST_NOTIFICATIONS (Android 13+) - **Purpose**: To send you reminder notifications about your loans - **Optional**: You can deny this and still use the app, but reminders won't be shown ### 5.2 SCHEDULE_EXACT_ALARM (Android 12+) - **Purpose**: To schedule precise reminder notifications at the time you set - **Fallback**: If you deny this, the app will use inexact alarms instead ### 5.3 READ_CONTACTS - **Purpose**: To suggest contact names and auto-populate phone/email when creating loans - **Optional**: You can deny this and manually enter information All permissions are optional unless noted otherwise, and you can revoke them at any time in your device settings. --- ## 6. Third-Party Services ### 6.1 Google AdMob The App uses Google AdMob to display advertisements. AdMob may collect: - Advertising ID (AAID) - General app usage information - Non-personalized ads data **Google's Privacy Policy**: https://policies.google.com/privacy OweFlow does not share personal loan data with AdMob. Only standard Android advertising identifiers and general usage patterns are shared. --- ## 7. Data Retention & Deletion ### 7.1 Data You Control You can delete any individual loan or contact at any time within the app by swiping or using the delete button. ### 7.2 Delete All Data You have the right to delete all your data at once. To do this: 1. Open OweFlow 2. Go to Settings (gear icon) 3. Tap "Delete All Data" 4. Confirm the action This will permanently erase all loans, reminders, and associated contact information. ### 7.3 Uninstalling the App Uninstalling the App will remove all data from your device (unless you have Android backup enabled, in which case you should follow the backup deletion steps above). --- ## 8. GDPR & Data Rights If you are located in the European Union, you have the right to: - **Access**: Request access to the personal data we hold about you - **Rectification**: Correct inaccurate data - **Erasure**: Request deletion of your data (use the "Delete All Data" feature) - **Portability**: Export your data (via Android backup) - **Withdraw Consent**: Revoke permissions at any time in device settings To exercise these rights, contact us at the email below. --- ## 9. Children's Privacy The App is not intended for children under 13 years of age. We do not knowingly collect data from children. If we become aware that we have collected data from a child under 13, we will delete it immediately. Parents or guardians who believe their child has provided information to the App should contact us immediately. --- ## 10. Changes to This Privacy Policy We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the App after changes means you accept the new Privacy Policy. --- ## 11. Contact Us If you have questions about this Privacy Policy or our privacy practices, please contact us: **Email**: privacy@pixelclub.com **Company**: Pixel Club Studios **App**: OweFlow For data requests or GDPR inquiries, please include "OweFlow Privacy Request" in the subject line. --- ## 12. Legal Compliance This Privacy Policy complies with: - GDPR (General Data Protection Regulation) - CCPA (California Consumer Privacy Act) - Google Play Store Privacy Policy Requirements - Android Platform Security & Privacy Requirements --- **Thank you for trusting OweFlow with your loan tracking data.**