Privacy
Last updated 2026-10-01
Who Owes Me is a ledger for keeping track of who owes you money. This policy explains what it stores, where it is kept, and what you can do about it.
Who Owes Me is run by Peotechnologies, Houthavenkade 11, 1014 ZB Amsterdam, Netherlands (KvK 34380667). Peotechnologies is responsible for your data. Contact: support@peotechnologies.app.
What we store
Only what the app needs to work:
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Your phone number. It is how you sign in — there is no password and no email account to create.
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Your books: the name you gave each one, its currency, its language, and what it is for.
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Your customers: the names, phone numbers and notes you type in yourself, or pick from your phone's contacts.
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Your entries: each amount, whether it was credit given or a payment received, its currency, its date and any description you added.
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Basic analytics about how the app is used — which screens are opened, and which currency an entry was in. Never an amount, never a name, never a phone number.
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When the app crashes, a report of what went wrong: the error, where in the code it happened, the version you are running, and an anonymous account number. Not what you were looking at, and none of your records — see “Who else sees it”.
We do not ask for your location, your photos, or anything else the app does not need. Reading your contacts is optional, happens only when you tap "Pick from contacts", and nothing is uploaded except the one name and number you choose.
Where it is kept
Your data is stored with Google Firebase, in Google's europe-west1 region. It travels there encrypted and is stored encrypted. It is also kept on your own phone so the app works with no signal, and syncs when you are back online.
It is your data
Your books belong to you. We do not sell them, rent them, or share them with advertisers — there are no advertisers. We do not use what is in your ledger to build a profile of you or of the people who owe you money.
You can export everything at any time from Settings, as a spreadsheet and as a full backup file. Nothing is held back and nothing is summarised: what comes out is what is in there.
Deleting your account
Settings, then “Delete my account”. It happens there and then, from your own phone: every book, every customer and every entry in them, your profile, and the account itself. Not a request queued for someone to action later — the records are gone by the time the screen closes.
If your last sign-in was a while ago, we send one more code to your number first, to be sure it is you. That is Google’s requirement, not ours. Nothing is deleted until you enter it — so if the code never arrives, or you change your mind, your books are exactly where they were.
Export your data first if you want to keep it. Deletion cannot be undone — not by you, and not by us. If anything goes wrong part-way, email support@peotechnologies.app and a person will finish it.
Who else sees it
Two companies, and no others.
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Google Firebase stores your books for us — your phone number, your customers and your entries.
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Sentry (Functional Software, Inc.) receives crash reports when the app stops working, on servers in the European Union. It is sent the error and where in the code it happened, and deliberately not what you were looking at: no phone numbers, no names, no notes, no amounts. Those are stripped out on your phone before anything is sent. It does receive an anonymous account number, because without it one crash cannot be told apart from anyone else's. Crash reports are kept for up to 90 days and then deleted.
Reminders are not sent by us: when you tap Remind, the message opens in WhatsApp or your SMS app with the text filled in, and you press send. No message leaves your phone without you.
We would hand over data if the law required it, and we would tell you unless we were forbidden from doing so.
Changes
If this policy changes in a way that matters, the date at the top of this page changes and we say so in the app. Continuing to use Who Owes Me after that means you accept the new version.
Questions about any of this? Write to Peotechnologies and a person will answer.
support@peotechnologies.app