Privacy Policy

Introduction

Owely ("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 mobile application.

Information We Collect

Information You Provide

• Account Information: Email address and display name when you create an account
• Profile Information: Profile photo (optional)
• Expense Data: Expense descriptions, amounts, dates, categories, and receipt images you upload
• Group Information: Group names, descriptions, and member lists

Information Collected Automatically

• Device Information: Device type, operating system, and unique device identifiers
• Usage Data: How you interact with the App, features used, and time spent
• Log Data: IP address, access times, and error logs

How We Use Your Information

We use the information we collect to:

• Provide and maintain the App's functionality
• Process and display your expenses and balances
• Enable group features and member communication
• Send you authentication codes and important account notifications
• Improve and optimize the App
• Detect and prevent fraud or abuse
• Comply with legal obligations

Information Sharing

We share your information only in the following circumstances:

With Other Users

When you join a group, other group members can see your display name, profile photo, and expense activity within that group.

Service Providers

We use third-party services to help operate our App:

Legal Requirements

We may disclose your information if required by law or in response to valid legal requests.

Data Security

We implement appropriate technical and organizational measures to protect your data, including:

• Encryption of data in transit (HTTPS/TLS)
• Secure authentication with one-time passcodes
• Access controls and authentication for our systems
• Regular security assessments

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your data for as long as your account is active or as needed to provide services. When you delete your account:

• Your profile information is deleted immediately
• Your expense data in groups you created is deleted
• Your participation in other groups is anonymized
• Some data may be retained for legal compliance (up to 7 years)

Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update inaccurate information in your profile
• Deletion: Delete your account and associated data
• Export: Request an export of your expense data
• Withdraw Consent: Opt out of optional data collection

To exercise these rights, contact us at privacy@owelyapp.com.

Children's Privacy

Owely is not intended for children under 13 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

International Data Transfers

Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through the App or via email. Your continued use of the App after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy, please contact us:

• Email: privacy@owelyapp.com
• Website: owelyapp.com