Your records are yours.

Effective 6 October 2026

OweOwe is a personal debt tracker made by Luxana Sdn Bhd (1420100X), Malaysia (“we”, “us”). This policy explains what information OweOwe handles, why, and the choices you have. We do not sell your information, show ads, or use third-party analytics or tracking.

Using OweOwe without an account

You can use OweOwe without signing in. Your balances, payments, notes, profile name, reminder settings and sharing preferences are stored only on your device. We cannot see them. Reminders are scheduled locally on your device; their text does not include amounts or names.

If you sign in to back up

Signing in with Apple or Google is optional and is used only to back up and restore your records across devices. When you sign in we receive and store:

Account details from Apple or Google: your name, email address (which may be an Apple private relay address), profile picture link if provided, and the account identifier and sign-in tokens the provider issues.
Session details: a session token, the IP address and the device/browser description at sign-in, used to keep you signed in and protect your account.
Your backed-up records: your balances and payments, including titles, amounts, dates, schedules, the name you entered for the other person, and notes.

Your profile name, reminder settings and sharing preferences are not backed up; they stay on your device.

Sharing your journey

Sharing is off by default. If you choose to publish a journey link, anyone with the link can see only a summary: your chosen display name (or “Someone taking small steps” if anonymous), overall progress, the number of shared balances and, only if you choose, the total amounts. Balance titles, people’s names, notes, individual payments, private balances and money owed to you are never shown. You can revoke the link at any time.

How we use information

To provide sign-in, backup, restore and sharing.
To keep the service secure, including limiting excessive requests and investigating abuse.
To respond to you when you contact support.

We do not use your records for advertising, profiling or any purpose unrelated to running OweOwe.

OweOwe’s use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.

Service providers and where data is stored

We use a small number of providers to run the service, and only for that purpose:

Cloudflare runs our servers and handles network traffic. It processes request details such as IP addresses and keeps limited operational logs.
Neon hosts our database on Amazon Web Services in Singapore. Data is encrypted at rest and in transit.
Apple and Google provide sign-in under their own privacy policies.

Because these providers operate internationally, your information may be processed outside Malaysia. We take reasonable steps to ensure it remains protected.

Keeping and deleting your data

Backed-up data is kept while your account exists. You can delete your account in the app (Settings → Delete account…). This permanently deletes your account, sign-in sessions, backed-up records and any published journey from our database. Deleted data may remain in short-term database recovery history for a limited period before it is overwritten. Data stored only on your device is removed when you tap Delete data on this device in Settings or uninstall OweOwe.

Your rights

Subject to the Personal Data Protection Act 2010 (Malaysia) and other applicable law, you may ask to access, correct or delete your personal data, or ask questions about how it is handled. Most of this you can do yourself in the app, including exporting your records. Otherwise contact us at support@oweowe.com.

Security

We use encrypted connections, store sign-in credentials securely on your device, keep server secrets out of the app, and limit access to the database. No method of storage or transmission is completely secure, so please keep your device and Apple or Google account protected.

Children

OweOwe is not directed at children under 13, and we do not knowingly collect their personal data.

Not financial advice

OweOwe helps you keep track of balances you enter. It does not move money, connect to bank accounts or provide financial advice.

Changes

If we change this policy, we will update the effective date above and, for significant changes, let you know in the app.

Contact

Luxana Sdn Bhd (1420100X)
support@oweowe.com