WHITE DIGIT

CARBONCODES LIMITED (“we,” “our,” or “us”) operates the OweMate mobile application (the “App”). This Privacy Policy explains how we collect, use, and protect information when you use our App.

By using OweMate, you agree to the collection and use of information as described in this policy.

Information We Collect

Personal Data

OweMate is designed with privacy in mind. We do not require you to create an account, and we do not collect personal information such as your name, email address, or phone number.

Contact Data

The App allows you to add contacts manually or import them from your phone contacts. Contact names, phone numbers, and photos are stored locally on your device and synced via Apple iCloud if enabled. We do not have access to this data, and it is not transmitted to our servers.

Financial Data

All debt, loan, and transaction data you enter into the App is stored locally on your device and synced via Apple iCloud if enabled. We do not have access to this data, and it is not transmitted to our servers.

Automatically Collected Information

When you use our App, our third-party advertising partner may automatically collect certain information, including:

Device identifiers
Advertising identifiers
IP address (coarse location)
App usage and interaction data
Crash and performance data

This information is collected by Google AdMob, our advertising partner, to serve relevant advertisements and improve ad performance.

How We Use Information

We use the collected information for the following purposes:

To display advertisements within the App
To analyze App performance and stability
To improve user experience

Third-Party Services

Google AdMob

We use Google AdMob to display advertisements in our App. AdMob may collect and use data to provide personalized or non-personalized ads based on your preferences and device settings.

For more information about how Google uses your data, please visit:

You can opt out of personalized advertising by adjusting your device settings:

iOS: Settings → Privacy & Security → Tracking → Disable “Allow Apps to Request to Track”

Apple iCloud

Your App data is automatically synced to your personal iCloud account via CloudKit. This data is governed by Apple's Privacy Policy. The sync happens automatically with no additional setup required.

Data Retention

Your contact and transaction data remains on your device and iCloud account under your control. You can delete all App data at any time by deleting the App from your device.

Advertising-related data collected by Google AdMob is retained according to Google's data retention policies.

Data Security

We value your trust and prioritize the security of your information. Your contact and financial data is stored locally on your device and protected by your device's built-in security features. Data synced to iCloud is encrypted by Apple.

Children's Privacy

OweMate is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe your child has provided personal information through the App, please contact us, and we will take steps to delete such information.

Your Rights

Depending on your location, you may have the following rights:

Right to access your data
Right to delete your data
Right to opt out of personalized advertising
Right to withdraw consent

To exercise these rights regarding your App data, you can manage or delete your data directly within the App or by deleting the App from your device.

For advertising preferences, adjust your device's privacy settings to limit ad tracking.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date.

We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

CARBONCODES LIMITED

United Kingdom

Email: hello@whitedigit.com