Privacy Policy

Last updated: 12 November 2026

IOU tracker is an Android app for keeping track of money you lent or borrowed. This policy describes what the app does with the information you put into it. It is short because the app does very little.

The app collects nothing

IOU tracker has no account, no sign-in, and no server. Nothing you enter is transmitted anywhere.

Everything you record is stored only in the app’s private storage on your own device, and is readable only by the app.

There is no analytics, no crash reporting, no advertising, and no third-party SDK that phones home. The Google Play Billing library, which handles tips, carries usage logging of its own; without the INTERNET permission it has no way to send it.

What the app can access, and why

• Notifications, asked for only when you first give a loan a due date, so the app can remind you on that day.
• Google Play billing. Lets the app ask the Google Play app for the price of a tip and open its payment sheet. It gives the app nothing about you.

The three things that happen outside the app

These are done by the operating system or by Google, not by IOU tracker, but they are the honest answer to “where could my data be”:

1. Android’s automatic backup. If it is enabled on your phone, Android backs up the app’s data to your own Google Drive, in a space that does not count against your storage quota and that Google states apps cannot read. You can turn this off in your phone’s settings; the app has a link to that screen.
2. Backups you export yourself. A backup is a file, and once you have shared or saved it, where it goes is up to you and to whatever app you sent it to. Some phones’ share screens only hand a file over if every app that can receive one may read it before you choose, so the app allows that when you share a backup. Once you pick an app, the others lose that access, and if you close the share screen without picking, all of them lose it as soon as you are back in the app (or, if the phone closed the app meanwhile, when you next share a backup). The one you picked keeps it until you next share a backup or restart the phone.

3. Google Play. Installing and updating an app is a transaction between your phone and Google, with its own privacy policy. About installs, the developer of this app receives aggregate, anonymous statistics — install counts, crash rates, country-level breakdowns — and no information about individuals.

   A tip, if you leave one, is paid to Google Play. The app asks the Play app on your phone for the prices and opens Play’s own payment sheet; your payment details go to Google and never to the app. Tips unlock nothing, so the app keeps no record of one. The developer receives the payment and Google’s order reports, which show for each tip the product, the price, your country, state and postcode, and the model of your phone — and your city, in the few countries where the developer rather than Google is the seller — but not your name or payment details. The developer uses them only for accounting.

Children

The app is not directed at children and collects nothing from anyone.

Deleting your data

Uninstalling the app removes everything it stored. There is nowhere else to delete it from, because there is nowhere else it went.

Changes

If this policy changes, the date at the top changes with it, and the history of this file is public in the repository.

Contact

iou-tracker.support@maksforge.com