Privacy Policy

📘 About Us

Owepay is a simple loan-tracking app designed to help friends, family, and trusted contacts keep clear records of loans and repayments. We understand that many personal loans are based on trust and mutual agreement, so Owepay focuses on transparency, reminders, and confirmation — not money transfers. Our goal is to help users avoid misunderstandings by clearly recording loan details, repayment schedules, and confirmations, all in one easy-to-use place.

🔐 Privacy Policy

Your privacy matters to us. Owepay only collects the information necessary to record loans, send reminders, and request confirmations. We do not process payments, access bank accounts, or share your personal data with third parties for advertising purposes. All information entered into the app is used solely to support loan records and notifications. We take reasonable steps to protect your data and ensure it is handled securely and responsibly.

📄 Terms of Service

Owepay is a record-keeping and reminder tool only. The app does not facilitate, process, or guarantee payments, nor does it enforce loan agreements. All loans recorded in Owepay are based on mutual trust and agreement between users. By using the app, you acknowledge that Owepay is not a financial institution, lender, or mediator, and you are responsible for ensuring that all loan terms and repayments are handled outside the app. Owepay simply helps you keep clear records and stay informed.