Last Updated: October 31, 2025

1. Introduction

WhoOwes ("App," "we," "us," "our," or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our mobile application and the associated services (collectively, the "Service").

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use the Service.

2. Information We Collect

2.1 Information You Provide Directly

User Account Information

When you create an account, we collect:

• Your name (given name and family name)
• Your email address
• Your user ID
• Profile information (including avatar/profile picture)
• Information from your authentication provider (Google or Apple)

Transaction and Group Data

When you use the Service, we collect:

• Transaction details (amounts, currencies, dates, descriptions)
• Group membership information
• Split method preferences and configurations
• Settlement records and payment history
• Receipt images and transaction notes you choose to upload