1. Information We Collect

We collect the following:

• Email address or phone number (for login)
• User profile information
• IOU records created by you
• Payment tracking status (manual entries only)

2. How We Use Your Data

We use your data to:

• Provide app functionality
• Sync IOU records across devices
• Maintain user accounts
• Improve app performance

3. Data Storage

Your data is stored securely using:

• Firebase Authentication
• Firebase Firestore Database

4. Data Sharing

We do not sell or share your data with third parties.

We only use trusted services like Firebase to operate the app.

5. Data Retention

Your data is stored until:

• You delete your account
• Or request deletion

6. User Rights

You may:

• Request account deletion
• Request data removal
• Access your stored information

7. Security

We use industry-standard Firebase security to protect your data.

8. Children's Privacy

This app is not intended for users under 13 years old.

9. Changes

We may update this policy. Updates will be posted in-app.

10. Contact

Email: support@ioupay.app