Privacy Policy

Updated 26 October 2026. The “Debts & Loans” app for iOS and Android.

In short

The app has no accounts. Debt records are stored on your device and in its backup (iOS or Android, if backup is turned on in the system settings); they are not sent to us. Purchases and automatic app updates use the services described below. We cannot see or recover your notebook. The Android version works the same way; its specifics are in the “Android version (RuStore)” section.

What is stored on the device

Names of people, amounts, due dates, comments, payments and the event history — what you enter yourself.
From a contact you pick — the name and the contact identifier in the address book; they stay on your device. The address book is not read as a whole and is not transmitted anywhere; phone numbers, addresses and other contact fields are not stored.
Settings: currency, reminder tone, notification privacy.

What leaves the device

Reminders. A reminder text is sent only through the system Share sheet, when you choose where and to whom.
Export. A CSV file is created at your request and shared the same way.
Pro purchases. Apple processes subscriptions and lifetime purchases through the App Store (StoreKit). The app checks purchase and expiry status to enable Pro and restore purchases. An App Store server notification endpoint hosted on Cloudflare receives purchase and subscription events from Apple. These events concern App Store transactions, not your debt records. We do not receive your payment card details. Terms: Apple’s standard licensed application EULA.

Automatic updates and diagnostics

Expo EAS Update delivers compatible app updates. Requests include a random installation identifier, the app platform and runtime version, and may include diagnostic details of a failed update or fatal error. These technical data help deliver updates and recover from failures; they do not include your debt notebook. Network service providers also receive the IP address needed to handle a request.

Android version (RuStore)

The Android app is installed from the RuStore app store. Everything this policy says about storing records, reminders, export and deleting data applies to it as well, with these specifics:

Debt records. The notebook is stored on the device and, if backup is turned on in the system, in the Android backup in your Google account, like an iCloud backup on an iPhone. Only the notebook file goes into the backup, without CSV export files or temporary files. The notebook is not sent to us or to RuStore. Backup is managed in the Android settings, usually under “System → Backup” or “Google”.
Pro purchases. Subscriptions and lifetime purchases are processed by RuStore Pay, the payment service of the RuStore app store (VK). Payment card details are entered in RuStore Pay; neither the app nor we receive them. Purchase terms are set out in the public offer.
Purchase information. The app receives from RuStore the product identifier, the purchase or subscription status and its expiry date. This information is used only on the device to enable Pro and restore purchases, and it is not sent to us.
Updates. Expo EAS Update delivers app updates on Android too, with the same technical data as described in “Automatic updates and diagnostics”.
Contacts permission. Needed only to pick a person from the address book. From a contact you pick, the app keeps the same data as described above. You can decline and type the name yourself.
Notifications permission (Android 13 and later). Needed for local due-date reminders. Without it the app works, but reminders are not shown.

Service providers and tracking

We use Apple for purchases on iOS, RuStore for purchases on Android, Expo for app updates, and Cloudflare for this website and the App Store purchase notification endpoint. Their handling of technical data is described in the Apple, RuStore, Expo and Cloudflare privacy policies. App stores may also collect their own data when you download and install the app, under their own policies. The app has no advertising, advertising identifiers or cross-app advertising tracking. Your debt records and selected contacts are not shared with these providers.

Notifications

Due-date reminders are local notifications on the device. Amounts are hidden in them by default; you can change this in the profile.

Deleting data

The profile has “Delete all data”: the whole notebook and settings are wiped, scheduled and already delivered reminders are removed, CSV export files left on the device are deleted, and the deleted records are also erased from the database file. Files you have already shared stay with their recipients. Deleting the app also removes its local data. Backups are managed in your iOS, Android or computer settings. These actions do not cancel an App Store or RuStore subscription or erase purchase records and service-provider logs. For privacy requests concerning data processed by us, contact the address below; Apple, RuStore and other providers handle their own retention and deletion under their policies.

Children

The app is not directed to children under 13. We do not ask for age or create child profiles.

Changes

When the policy changes, the date at the top is updated; material changes are noted in the App Store and RuStore update notes.

Contact

Privacy questions — prodocik@gmail.com or the support page.