DebtMate Privacy Policy

Effective Date: August 3, 2026

1. Information We Collect

Account Information

When you create an account, we may collect:

• Name
• Email address
• Profile photo, if available
• Authentication provider, such as email or Google

Financial Information

DebtMate allows you to create and manage personal and shared expense records. This may include:

• Expense descriptions
• Amounts
• Currency selections
• Payment records
• Settlement history
• Group balances
• Notes you choose to enter

DebtMate is a record-keeping application only. We do not process financial transactions or store bank account credentials.

Friends and Groups

When you use social features, we may store:

• Friend relationships
• Group memberships
• Shared expenses
• Group activity history

Device Information

To improve reliability and security, we may collect:

• Device model
• Operating system
• App version
• Crash reports
• Performance diagnostics
• Anonymous analytics events

Notification Information

If you enable reminders, we may store:

• Reminder preferences
• Notification schedules
• Notification delivery status

2. Information We Do Not Collect

DebtMate does not intentionally collect:

• Banking usernames
• Online banking passwords
• Credit card numbers
• Debit card numbers
• Government-issued identification numbers
• Biometric information

3. How We Use Your Information

We use your information to:

• Create and manage your account
• Authenticate your identity
• Synchronize your data across devices
• Calculate balances
• Manage shared expenses
• Send reminders you choose to receive
• Improve application performance
• Detect crashes and technical issues
• Prevent abuse and unauthorized access
• Provide customer support

4. Authentication

DebtMate supports:

• Email and password authentication
• Google Sign-In

Authentication services are provided through Firebase Authentication.

5. Firebase Services

DebtMate uses Google Firebase services, including:

• Firebase Authentication
• Cloud Firestore
• Firebase Cloud Messaging
• Firebase Analytics
• Firebase Crashlytics
• Firebase Remote Config, if enabled

These services may process limited information necessary to provide their functionality.

6. Advertising

DebtMate may display rewarded advertisements.

Watching rewarded advertisements is voluntary.

Advertising providers may collect limited device identifiers or advertising identifiers according to their own privacy policies.

7. Analytics

We use analytics to understand:

• Feature usage
• App stability
• Performance
• General engagement

Analytics data is used to improve the application and is not sold.

8. Contacts

If DebtMate requests access to your contacts in a future version, access will only occur after your explicit permission.

You may deny or revoke contact permission at any time through your device settings.

9. Notifications

DebtMate may send:

• Debt reminders
• Settlement reminders
• Group notifications
• Important account notifications

You may disable most notifications through the application settings or your device settings.

10. Data Storage

Your information is stored using cloud infrastructure provided by Google Firebase.

We apply reasonable technical and organizational safeguards to protect your information. However, no online service can guarantee absolute security.

11. Data Sharing

We do not sell your personal information.

We may share limited information only:

• With service providers necessary to operate the application
• When required by applicable law
• To protect users and the security of the service
• During a business transfer, such as a merger or acquisition

12. Your Rights

Depending on applicable law, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Delete your account
• Request deletion of personal data
• Withdraw certain permissions

13. Account Deletion

You may delete your account through the application settings.

Upon deletion:

• Your authentication account will be removed.
• Personal profile information will be deleted or anonymized where applicable.
• Shared financial records may remain for other participants, with identifying information removed where technically feasible and legally appropriate.

Certain information may be retained if required for legal obligations, fraud prevention, security, or dispute resolution.

14. Children’s Privacy

DebtMate is not directed toward children under the minimum age required by applicable law.

We do not knowingly collect personal information from children.

15. Changes to This Policy

We may update this Privacy Policy periodically.

Material changes may be communicated through the application, this website, or other appropriate channels.

16. Contact Us

Questions regarding this Privacy Policy may be directed to: