Privacy Policy

Last updated: July 20th, 2026

Welcome to OweTracker! We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

1. Information We Collect

When you use OweTracker, we may collect and process the following data:

• Identity Data: Includes first name, last name, username or similar identifier.
• Contact Data: Includes email address.
• Financial Data: Includes records of IOUs, debts, and transaction histories that you voluntarily input into the app.
• Technical Data: Includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform.

2. How We Use Your Information

We use your information exclusively to provide and improve the OweTracker service. This includes:

• Creating and managing your account.
• Storing and retrieving your debt and transaction records.
• Sending you important notifications, such as password resets or OTPs via Resend.
• Responding to your feedback and support requests.

3. Third-Party Services & Analytics

To keep OweTracker fast, secure, and spam-free, we use Cloudflare. Cloudflare provides performance and security services, including:

• Web Analytics (RUM): We use privacy-first, cookie-less analytics to measure page load times and visitor counts.
• Cloudflare Turnstile: We use Turnstile to protect our forms from spam and abuse. This invisible widget checks if you are a human or a bot. By using our site, you acknowledge that Cloudflare processes your IP address and browser telemetry for security purposes. You can read the Cloudflare Privacy Policy for more details.

4. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. Your passwords are cryptographically hashed and your financial records are securely stored.

5. Your Rights

You have the right to request access to your personal data, request correction of any inaccurate data, or request the deletion of your account and all associated financial records at any time. Simply contact us through our feedback form to make a request.

6. Contact Us

If you have any questions about this privacy policy or our privacy practices, please contact us via the feedback form on our homepage.