Privacy Policy

Last updated: March 6, 2025

OWEUP (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application and services.

1. Information We Collect

We may collect the following types of information:

Account and profile

• Phone number (including country code) for registration and sign-in
• Name and profile picture, if you provide them
• Authentication tokens and session data

Usage and device

• Log data (e.g. IP address, device type, access times)
• How you use the app (e.g. groups, expenses, payments) to provide and improve the service

Content you provide

• Expense details, group names, descriptions, and related data
• Payment and settlement information within groups
• Uploaded images or files (e.g. receipts), if you use such features

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve OWEUP
• Authenticate you and manage your account
• Process expenses, groups, and settlements
• Send you service-related communications (e.g. OTPs, notifications)
• Comply with legal obligations and enforce our Terms of Use
• Analyze usage in an aggregated way to improve our product

3. Sharing of Information

We may share your information:

• With other users as necessary for the service (e.g. group members see group and expense data)
• With service providers who assist us (e.g. hosting, SMS) under strict confidentiality
• When required by law or to protect our rights, safety, or property
• In connection with a merger, sale, or transfer of assets, with notice where required

We do not sell your personal information to third parties for their marketing.

4. Data Retention

We retain your data for as long as your account is active or as needed to provide the service, resolve disputes, and comply with legal obligations. You may request deletion of your account and associated data; we will process such requests in line with applicable law.

5. Security

We use reasonable technical and organizational measures to protect your data against unauthorized access, alteration, or destruction. No method of transmission or storage is completely secure; we cannot guarantee absolute security.

6. Your Rights and Choices

Depending on your location, you may have the right to:

• Access and receive a copy of your personal data
• Correct or update your data
• Request deletion of your data
• Object to or restrict certain processing
• Withdraw consent where processing is consent-based

To exercise these rights or ask questions, contact us using the details below.

7. Children’s Privacy

OWEUP is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us so we can delete it.

8. International Transfers

Your information may be processed in countries other than your own. We take steps to ensure that such transfers are subject to appropriate safeguards in line with applicable law.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised policy and update the “Last updated” date. Continued use of OWEUP after changes constitutes acceptance of the updated policy.

10. Contact Us

For privacy-related questions or requests, please contact us at: [email protected]