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Privacy Policy

Your Privacy Matters

Last Updated: December 2025

1. Introduction

Welcome to Deby – Debt & IOU Manager Pro (the “Application” or “App”). This Privacy Policy explains how we handle information when you use our mobile application. We are committed to protecting your privacy and ensuring transparency about our data practices. This Privacy Policy applies to the Application operated by Ricardo V (“we,” “us,” or “our”) and describes our practices regarding the collection, use, and disclosure of information in connection with the Application. By using the Application, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Application.

2. Information We Collect

2.1 Information We Do NOT Collect

We want to be transparent about what we do not collect:
  • No Account Information: The Application does not require you to create an account, register, or provide any personal identification information such as email addresses, names, or passwords.
  • No Analytics or Tracking: We do not use analytics services, advertising SDKs, tracking technologies, or any tools that monitor your behavior or usage patterns.
  • No Server-Side Data Collection: We do not operate servers that collect, store, or process your personal data. All data remains on your device.
  • No Financial Data Transmission: Your debt entries, transaction records, amounts, and financial calculations are never transmitted to our servers.

2.2 Information Stored Locally on Your Device

The Application stores the following information locally on your device:
  • Debt Records: Information you enter about debts, including:
    • Names of people involved
    • Debt amounts and currencies
    • Descriptions and notes
    • Due dates
    • Transaction history
    • Attachments (photos, documents) you choose to add
  • Group Information: Data about groups you create, including:
    • Group names and participants
    • Expenses and payments
    • Split bill calculations
  • Settings: Your app preferences, including:
    • Default currency
    • Theme preferences
    • Language settings
    • Your name (if you choose to enter it)
  • Recurring Debt Schedules: Information about recurring debts you configure.
All of this information is stored exclusively on your device and is never transmitted to our servers or accessed by us.

2.3 Information Processed by Third-Party Services

Receipt Scanning (OCR Feature)

When you use the “Scan to Split” feature to scan receipts:
  • What is Sent: Only the receipt image you explicitly choose to scan is transmitted to Google’s Gemini AI service for text recognition (OCR – Optical Character Recognition).
  • Purpose: This transmission is necessary for the core functionality of the receipt scanning feature. The image is processed to extract text and item information from the receipt.
  • Third-Party Service: This processing is performed by Google’s Gemini API, which operates according to Google’s own privacy policies and terms of service.
  • Data Handling:
    • Images are sent only when you actively use the scanning feature
    • Processing occurs on Google’s infrastructure
    • Google may temporarily store or cache images as part of their service operations
    • We do not use this data for advertising, tracking, or any purpose other than providing the OCR functionality
    • The extracted text is returned to your device and stored locally
  • Your Control: You are not required to use this feature. If you do not use receipt scanning, no images are transmitted to any third party.
For more information about Google’s data practices, please review Google’s Privacy Policy: https://policies.google.com/privacy

3. How We Use Information

3.1 Local Data Usage

Information stored on your device is used solely to:
  • Provide the Application’s core functionality (tracking debts, calculating splits, managing groups)
  • Display your debt records and transaction history
  • Enable features such as reminders, recurring debts, and currency conversion
  • Maintain your app preferences and settings

3.2 No External Use

We do not:
  • Access your locally stored data
  • Use your data for marketing or advertising
  • Share your data with third parties (except as described in Section 2.3 for receipt scanning)
  • Analyze your usage patterns
  • Create profiles about you

4. Data Sharing and Disclosure

4.1 No Sharing by Us

We do not share, sell, rent, or disclose your personal information to third parties, except:
  • Receipt Scanning: As described in Section 2.3, receipt images are sent to Google’s Gemini service for OCR processing. This is the only instance where data leaves your device, and it occurs only when you explicitly use the scanning feature.

4.2 User-Initiated Sharing

You may choose to share information using your device’s built-in sharing features:
  • Exporting Data: You can export your debt records, transaction history, or group summaries as PDF or CSV files. This is entirely under your control.
  • System Share Sheets: When you use your device’s share functionality, the sharing is handled by your operating system and the apps you choose to share with. We do not participate in or control this process.
Any sharing you initiate is your responsibility and subject to the privacy policies of the services you choose to share with.

5. Data Storage and Security

5.1 Local Storage

All your data is stored locally on your device using standard mobile operating system storage mechanisms. This means:
  • Your data remains on your device
  • We do not have access to your data
  • Your data is not backed up to our servers
  • If you uninstall the Application, locally stored data may be deleted (depending on your device settings)

5.2 Security Measures

While we do not store your data on our servers, we implement security best practices in the Application:
  • Data is stored using secure, platform-standard storage mechanisms
  • The Application uses secure communication protocols (HTTPS) when communicating with third-party services (e.g., Gemini API)
  • We follow industry-standard security practices in application development

5.3 Your Responsibility

You are responsible for:
  • Securing your device with appropriate passwords, biometrics, or other security measures
  • Backing up your data if desired (using device backup features or export functionality)
  • Protecting your device from unauthorized access
We are not responsible for data loss resulting from device loss, theft, damage, or unauthorized access to your device.

6. Data Retention

6.1 Local Data Retention

Data stored on your device remains there until:
  • You delete it through the Application’s features
  • You uninstall the Application (depending on your device settings)
  • Your device storage is cleared or reset

6.2 Third-Party Data Retention

For receipt images sent to Google’s Gemini service:
  • Google may temporarily store or cache images as part of their service operations
  • Retention is governed by Google’s privacy policies and terms of service
  • We do not control or have access to how Google retains this data

7. International Data Transfers

7.1 Local Data

Since all your data is stored locally on your device, there are no international transfers of your personal data by us.

7.2 Third-Party Processing

When you use the receipt scanning feature:
  • Images are sent to Google’s Gemini service, which operates globally
  • Processing may occur in data centers located in various countries
  • This transfer is governed by Google’s privacy policies and terms of service
  • We do not control the location of Google’s data processing facilities
For information about Google’s international data practices, please review Google’s Privacy Policy.

8. Your Rights and Choices

8.1 Access and Control

You have full control over your data:
  • View Your Data: All data is accessible within the Application
  • Edit Your Data: You can modify, update, or delete any debt records, transactions, or groups
  • Export Your Data: Premium users can export data as PDF or CSV files
  • Delete Your Data: You can delete individual records or uninstall the Application to remove all data

8.2 GDPR Rights (If Applicable)

If you are located in the European Economic Area (EEA) or United Kingdom, you may have certain rights under the General Data Protection Regulation (GDPR):
  • Right of Access: You can access all your data through the Application
  • Right to Rectification: You can edit your data directly in the Application
  • Right to Erasure: You can delete your data or uninstall the Application
  • Right to Data Portability: Premium users can export their data
  • Right to Object: You can stop using features that involve third-party processing (e.g., receipt scanning)
To exercise any of these rights, you can use the Application’s built-in features or contact us at office@deby.app.

8.3 California Privacy Rights (If Applicable)

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA):
  • Right to Know: This Privacy Policy discloses what information we collect (which is minimal)
  • Right to Delete: You can delete your data through the Application
  • Right to Opt-Out: We do not sell personal information, so no opt-out is necessary

9. Children’s Privacy

The Application is not intended for children under the age of 13 (or the applicable age of consent in your jurisdiction). We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has used the Application and provided information, please contact us at office@deby.app. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information.

10. Permissions

The Application may request the following permissions on your device:
  • Camera: To take photos of receipts for the “Scan to Split” feature
  • Photo Library: To select existing photos for receipt scanning or attachments
  • Contacts (Optional): To help you select contacts when creating debts (if you choose to grant this permission)
  • Notifications: To send you reminders about debts and payments
All permissions are optional and can be revoked at any time through your device settings. The Application will continue to function with limited features if you deny certain permissions.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other reasons. When we make changes:
  • We will update the “Last Updated” date at the top of this Privacy Policy
  • We will make the updated policy available in the Application and on our website
  • For material changes, we may provide additional notice through the Application
Your continued use of the Application after changes become effective constitutes your acceptance of the updated Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about how we handle your information.

12. Third-Party Services

12.1 Google Gemini

The Application uses Google’s Gemini AI service for receipt scanning. This service is subject to Google’s own terms of service and privacy policy. We are not responsible for Google’s data practices. Google Privacy Policy: https://policies.google.com/privacy Google Terms of Service: https://policies.google.com/terms

12.2 App Stores

The Application is distributed through:
  • Apple App Store (for iOS devices)
  • Google Play Store (for Android devices)
Your use of these app stores is subject to their respective terms of service and privacy policies. We are not responsible for the app stores’ data practices.

12.3 Payment Processors

If you purchase a Premium subscription, payments are processed by:
  • Apple (for iOS purchases)
  • Google (for Android purchases)
Payment information is handled by these companies according to their privacy policies. We do not receive or store your payment information.

13. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: Email: office@deby.app Support Email: support@deby.app Website: https://deby.app For inquiries related to third-party processing (Google Gemini), please refer to Google’s privacy documentation, which governs processing on Google’s systems.

14. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of Austria, without regard to its conflict of law provisions. For users in the European Economic Area, this Privacy Policy is designed to comply with the General Data Protection Regulation (GDPR) (Regulation (EU) 2016/679).