Privacy Policy
Last updated · May 2026
01— What we collect
Your name, email, phone number, the IOUs you create or receive, the people you send them to, photos and voice memos you attach to promises, points and streak data, and basic device info.
02— Why we collect it
To run the service, deliver your promises, link promises to recipients, send notifications, track rewards, prevent abuse, and fix bugs. We do not sell your data.
03— Where it's stored
On encrypted cloud storage. Photos and voice memos are compressed and stored inline with your promise data — we do not use separate media hosting. You can delete your account from Settings at any time, which removes all your data.
04— Phone number
Your phone number is required at signup and used to link promises sent to you by friends. It is never shared with third parties or used for marketing.
05— Photos & voice memos
Photos attached to promises are compressed on your device before storage. Voice memos are limited to 15 seconds. Content safety checks run on-device — no media is sent to external services for moderation. All media is deleted when the associated promise or account is deleted.
06— Contacts
We access contacts you explicitly pick when sending an IOU, including birthday data to suggest timely promises. Contact data stays on your device — only the selected recipient's name and phone number are stored with the promise.
07— Points & activity
We track daily login streaks and points earned through app activity (sending, redeeming, fulfilling promises). This data is tied to your account and used to power the rewards system.
08— Third parties
We use a small set of trusted vendors (Supabase for auth and database, RevenueCat for subscriptions) under strict data agreements. We do not share your data with advertisers.
09— Your rights
Request a copy, correction, or deletion of your data at any time at privacy@iou.app. We respond within 30 days.
10— Children
IOU is not intended for users under 13. We do not knowingly collect data from children.
11— Changes
We'll notify you in-app if this policy materially changes.
Questions? Reach us at privacy@iou.app