OweMe ("OweMe", "we", "us", or "our") is a group expense tracking application that helps people record shared expenses, calculate individual shares, track balances, and manage settlements. This Privacy Policy explains what information we collect, how we use it, how it may be shared, and how you can request deletion of your account and associated data.
1. Information We Collect
Depending on the features you use, OweMe may collect:
- Account information: name, username, email address, password/authentication information, and user identifiers.
- Group information: groups you create or join, group membership, invitations, and related activity.
- Expense information: expense amounts, descriptions, dates, payer information, participants, and how an expense is split.
- Settlement and payment information: settlement records, payment status, payment method information, and details that you voluntarily submit when arranging or recording a payment.
- Receipt or supporting information: information or files you choose to upload in connection with an expense or payment.
- Technical information: information necessary to operate, secure, troubleshoot, and improve the service, such as device or browser information and basic service logs.
2. How We Use Information
- To create and authenticate your account.
- To provide group expense tracking and calculation features.
- To calculate shares, balances, and amounts for settlement.
- To display group activity and information to the relevant members of a group.
- To facilitate payment-related features that you choose to use.
- To send service-related notifications and reminders.
- To maintain, troubleshoot, secure, and improve OweMe.
- To detect and prevent abuse, fraud, unauthorized access, or other security issues.
- To comply with applicable legal obligations.
3. Information Shared With Other Group Members
OweMe is designed for shared expense tracking. Information you enter into a group may therefore be visible to other members of that group when necessary for the group to understand expenses, balances, invitations, settlements, and payment status.
4. Service Providers
We may use third-party service providers to operate OweMe, including providers for hosting, database infrastructure, authentication, storage, analytics, notifications, security, and other technical services. These providers may process information on our behalf only as necessary to provide their services.
5. Payment Information
OweMe may allow users to record payment details or provide payment instructions and links. OweMe does not represent that it is a bank, payment processor, or financial institution. Do not enter information into OweMe that the app does not request or that you do not intend to share with the relevant group members.
6. Data Security
We use reasonable technical and organizational measures intended to protect information against unauthorized access, loss, misuse, alteration, or disclosure. Data transmitted between the app and supported services is intended to use secure transport where available. No method of transmission or storage can be guaranteed to be completely secure.
7. Data Retention
We retain information for as long as reasonably necessary to provide OweMe, maintain account and transaction records, provide support, prevent abuse and fraud, resolve disputes, and comply with applicable legal obligations. When information is no longer required, we may delete or anonymize it.
8. Account and Data Deletion
You can request deletion of your OweMe account and associated personal data by emailing support@arkhonstudio.com with the subject OweMe Account Deletion.
We will verify the request as reasonably necessary to protect the account and process eligible deletion requests. When an account is deleted, we will delete associated personal data from our active systems, subject to information that we are required or permitted to retain for legitimate purposes such as legal compliance, security, fraud prevention, dispute resolution, or enforcement of our agreements. Any retained information will be handled in accordance with applicable retention requirements.
9. Your Choices
You may review and update certain information through OweMe. You may also request access to, correction of, or deletion of personal information by contacting us using the contact method below.
10. Children's Privacy
OweMe is not directed to children. We do not knowingly collect personal information from children in violation of applicable law.
11. Third-Party Links and Services
OweMe may provide links to third-party services, including payment destinations or other websites. Those services operate under their own terms and privacy policies. We are not responsible for the privacy practices of third-party services that you choose to use.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the date shown at the top of this page. Your continued use of OweMe after an update means that the updated policy applies to your use of the service, subject to applicable law.
13. Contact Us
OweMe
Privacy and account deletion requests:
support@arkhonstudio.com
If you have questions about this Privacy Policy or how OweMe handles your information, please contact us using the email above.