Help & information

Effective from: 2026-08-31

OweView was designed on a local-first model. Data about your obligations, amounts, due dates, schedules and simulations is saved locally on your device. It is not sent to OweView. OweView does not have a backend for storing this data. The App does not send analytics, telemetry, or data about your finances to the Provider or to external services. The only network traffic performed by the App relates to communication with the App Store or Google Play required to process a purchase and your entitlement to the Full Version. Separate processing of data may occur when: you visit oweview.app; you contact us by e-mail; you make a purchase through the App Store or Google Play. These situations are described below.

The controller of the personal data processed by the Provider is: [FULL NAME / COMPANY], address: [ADDRESS], e-mail: [PRIVACY EMAIL], Tax ID (NIP): [TAX ID - if applicable] (hereinafter the "Controller").

Data concerning: loans; cards; obligations; amounts; due dates; schedules; overpayments; simulation results - remains on your device. OweView does not transmit this information to the Controller. The Controller does not hold its own copy of this data and cannot view or recover it. This also means that if data is lost together with the app or the device, the Controller cannot restore it from its own server.

OweView does not have its own backend and does not make network requests to the Provider's services. The App may communicate only with App Store or Google Play infrastructure to the extent necessary, among other things, to: carry out a One-time Purchase; confirm ownership of the Full Version; restore a purchase. As part of this communication, OweView does not transmit information about the financial obligations saved in the app.

OweView does not send to the Controller: analytics data about how the app is used; screen-view history; click data; advertising data; identifiers used for user profiling; data about your obligations. OweView does not use advertising or advertising-profiling mechanisms. The operating system, the App Store or Google Play may independently process certain technical information under their own terms and privacy policies.

Apple and Google operate their services under their own terms and privacy policies. They may process, in particular, information about: the user account; the device; payment; purchase history; transactions; security and fraud prevention. The Controller does not receive from them the content of the financial data saved in OweView. The Controller may receive data or reports about a purchase to the extent made available to developers by the relevant Store and necessary to settle the sale, handle the purchase, process a complaint, or meet legal obligations.

If you contact us, we may process: your e-mail address; your name, if you provide it; the content of your message; information you voluntarily include with your request. This data is used to reply to your message, to handle your request, or to handle a complaint. The basis for processing may be: taking action at your request, or performance of a contract - where the message relates to using OweView; a legal obligation - where it relates to a complaint or fulfilling a legal obligation; the Controller's legitimate interest in conducting correspondence and defending against claims - in other cases. Please do not include data about your obligations in your message unless it is necessary to resolve the issue.

We keep correspondence for the period necessary to handle the specific matter. After it is closed, data may be kept for a period justified by: the need to demonstrate that the matter was handled correctly; legal obligations; the establishment, exercise or defence of legal claims. Data is deleted once there is no longer a purpose or legal basis for keeping it further.

While using the website, the technical infrastructure may process data necessary to deliver and secure the site, such as: your IP address; browser type; HTTP request information; connection time; technical security data. This data may reside in the logs of the hosting or CDN infrastructure. [BEFORE PUBLISHING CONFIRM: the current hosting/CDN operator and the log-retention period.] The basis for the Controller's processing is a legitimate interest in the safe and correct operation of the website.

The website should not use analytics or marketing technologies without an appropriate legal basis. If oweview.app uses only cookies, localStorage, or similar mechanisms strictly necessary to provide a function you have explicitly requested, these mechanisms are used only to the extent necessary. [BEFORE PUBLISHING CONFIRM: the exact contents of the website's localStorage/cookies.] If analytics or marketing technologies requiring consent are implemented in the future, they will only be activated once the required user consent has been obtained.

If OweView allows you to create a local backup file, the operation is initiated by you. OweView does not automatically upload a backup to its own cloud or server. If you choose to transfer the exported file to, for example, iCloud, Google Drive, e-mail, or another service, further processing of the file follows the terms of the provider you have chosen. The Controller does not receive a copy of the file as a result of that action.

Depending on the specific process, recipients of data may include entities providing: website hosting; CDN and website protection; e-mail services; accounting or legal services, where necessary. Apple and Google process data related to their own services under the terms set out in their own documents. Data about obligations saved in OweView is not shared with the above entities by the App.

Simply using OweView does not result in your financial data saved in the app being sent to the Controller. With respect to the website, e-mail, and the Apple and Google services, the possibility of processing data outside the European Economic Area depends on the infrastructure and rules of the given provider. If the Controller uses a processor located outside the EEA, the transfer takes place solely on the basis of a mechanism provided for by the GDPR. [BEFORE PUBLISHING CONFIRM THE LIST OF PROVIDERS AND THE TRANSFER MECHANISMS.]

If the Controller processes your personal data, in the cases specified by the GDPR you may request: access to your data; its rectification; erasure; restriction of processing; data portability; the right to object. If processing is based on consent, you may withdraw it at any time without affecting the lawfulness of processing carried out before the withdrawal. You may also lodge a complaint with the President of the Personal Data Protection Office (Prezes Urzędu Ochrony Danych Osobowych).

The local-first architecture limits the amount of financial data transmitted beyond your Device. If OweView provides biometric protection, it relies on mechanisms provided by the Device's operating system. If an encrypted backup-export feature is available, its exact scope and operation should correspond to the technical documentation of the current version of OweView. We do not guarantee that any IT system is completely resistant to all possible threats.

This Policy may be updated, in particular in the event of: a change in how OweView operates; a change of the providers used; a change in the law. The current version is published on oweview.app.

Questions about privacy can be sent to: [PRIVACY EMAIL]

Effective from: 2026-08-31

The provider of the OweView app is: [FULL NAME / COMPANY], address: [ADDRESS], Tax ID (NIP): [TAX ID - if applicable], business register (CEIDG/KRS): [DATA - if applicable], e-mail: [CONTACT EMAIL] (hereinafter the "Provider"). These Terms set out the rules for using the OweView app, including its Free Version and Full Version, the rules for making a One-time Purchase, filing complaints, and the rights and obligations of the User and the Provider. These Terms are made available free of charge in a form that allows saving, reproducing and storing them.

OweView or the App - a mobile application for recording information about the User's financial obligations, presenting schedules and due dates, reminding about them, and performing simulations. User - a person using OweView. Consumer - a natural person entering into a transaction with a business that is not directly related to their business or professional activity. Free Version - the version of OweView that allows use of the basic functionality without making a One-time Purchase. Full Version - the scope of functionality unlocked after a One-time Purchase. One-time Purchase - a single payment made via the App Store or Google Play that unlocks the Full Version without a recurring subscription fee. Store - the App Store or Google Play, as applicable. Device - a compatible mobile device on which OweView is installed.

OweView allows the User in particular to: enter information about financial obligations; view schedules and upcoming due dates; view the amounts of upcoming payments; aggregate amounts falling within given periods; track progress based on information the User has entered; set reminders; run simulations, including of the potential effect of overpayments on the schedule; use other features available in the current version of the App. OweView operates on a local-first model. Data about obligations, amounts, due dates, schedules and simulations is processed locally on the User's Device. OweView does not have its own backend for transmitting or storing this data. The App does not send the data referred to above to the Provider or to any other online services. The App communicates over the network solely to the extent necessary to work with the App Store or Google Play, in particular to process a purchase, confirm entitlement to the Full Version, or restore a purchase. Data about the User's financial obligations is not transmitted as part of the processes referred to above. Using OweView does not require creating an OweView account. OweView does not require linking a bank account and does not retrieve transaction history from the User's accounts.

OweView is not: a bank; a lender; a payment institution; an account information service; a credit intermediary; a service providing individualized financial, credit or investment advice. OweView: does not grant loans or credit; does not enter into or amend contracts on the User's behalf; does not execute or initiate payments; does not present offers from lenders; does not recommend specific financial products; does not make financial decisions for the User. OweView presents data and the potential effects of parameters chosen by the User. The User makes the decision regarding any specific contract independently.

OweView runs simulations based on data entered by the User and the App's calculation model. Results are informational and simulated in nature. OweView's results may differ from the schedule or settlement of a bank or other lender. Differences may result in particular from: the terms of the specific contract; interest-accrual methods; posting dates; the method of calculating interest periods; rounding; commissions and other fees; changes in interest rates; the rules for settling overpayments; payment holidays or other schedule changes; data not entered, or entered incorrectly, into OweView. OweView does not replace the official schedule, balance or information provided by a bank or other lender. Before making a decision with consequences for a specific contract, the User should verify current information with the other party to that contract. OweView does not guarantee any particular saving or economic outcome.

Using OweView requires a compatible Device: running iOS version at least [MINIMUM IOS VERSION], or running Android version at least [MINIMUM ANDROID VERSION]. Installation, updates, and processing a One-time Purchase may require internet access and access to the relevant Store. Using biometric features requires a Device that supports the relevant security mechanisms. Using reminders requires granting OweView permission to send notifications. Some features may depend on the operating-system version and the technical capabilities of the Device.

The User may begin using the Free Version after installing the App and being provided with these Terms. Use of OweView is voluntary. The User may stop using the App at any time by deleting it. Deleting OweView may result in the loss of data stored locally on the Device. Because financial data is not stored by the Provider, the Provider has no way to restore it from its own server after it is lost.

The Free Version allows use of OweView without any obligation to make a later purchase. Under the current model, the Free Version allows managing one obligation. The scope of the Free Version is presented to the User before using a feature that requires the Full Version. Not making a One-time Purchase does not result in any charges.

The Full Version can be unlocked through a One-time Purchase. A One-time Purchase is not a subscription. OweView does not charge a recurring subscription fee for it. The current price is displayed by the relevant Store immediately before the transaction is confirmed. The price may depend on the country, currency, taxes, and the rules applied by the Store operator. The marketing term "Unlimited", where used, means a one-time purchase model for the Full Version without a recurring subscription fee. "Unlimited" does not mean: a guarantee that OweView will work for the User's entire lifetime; an obligation to develop the App indefinitely; a guarantee of compatibility with all future systems and Devices; a right to all future, separate products, services, Pro versions, a next-generation app, or other products of the Provider. The One-time Purchase covers the scope of the Full Version made available as part of the OweView product, subject to the statutory obligations regarding conformity and updates of digital content.

Payment for the Full Version is processed by the App Store or Google Play. The operator of the relevant Store may process data related to: the User's Store account; the payment method; the transaction; the purchase history - in accordance with its own terms and privacy policy. OweView does not receive the financial data the User has entered in the App in connection with processing the purchase. The Store operator may be responsible for the technical execution of the payment, the transaction record, and the refund mechanism to the extent resulting from that platform's rules. The Provider is responsible for the App itself to the extent resulting from applicable law and these Terms. A complaint about how OweView works is separate from a request for a refund of the payment handled by the Store operator.

OweView may use the system mechanisms of the App Store or Google Play that allow confirming or restoring a previously acquired entitlement to the Full Version. Restoring a purchase may depend on: using the correct Apple or Google account; the purchase history available in the given Store; the availability of OweView in the Store; the Store operator's rules. Restoring the Full Version does not mean restoring the financial data stored on a previous Device.

OweView's reminders are created and handled locally on the Device. Data about a due date or obligation is not sent to the Provider's server in order to handle notifications. Delivery of a notification also depends on: system settings; permissions granted; power-saving modes; the operating system's behavior; the state of the Device. The Provider does not guarantee that every notification will be displayed at exactly the scheduled time if the obstacle results from the behavior or configuration of the Device or operating system.

OweView's financial data is saved locally on the Device. The Provider does not keep a copy of it on its own server. If OweView provides a backup-export feature, its use is initiated by the User. The User decides independently where to store the exported file. Passing the file to iCloud, Google Drive, e-mail, a messaging app, or another service means the User is using a third-party service on the terms set by that provider. The Provider has no access to a file stored by the User in the external service of their choice.

The Provider makes updates to OweView available, including security updates, to the extent required by applicable law. The User should install the updates made available for the version of OweView in use. Not installing updates may, in certain cases, affect the correct or secure operation of the App. A One-time Purchase is not a guarantee of support for every future version of iOS or Android for an unlimited time. The above does not limit the Provider's statutory obligations regarding conformity of digital content with the contract and updates.

Towards Consumers, the Provider is liable for OweView's conformity with the contract under the rules of applicable consumer-protection law. If the digital content is not in conformity with the contract, the Consumer may demand that it be brought into conformity. In the cases provided for by law, the Consumer may also declare a price reduction or withdraw from the contract. The provisions of these Terms do not limit the Consumer's rights arising from mandatory provisions of law.

Complaints about how OweView works may be submitted: by e-mail: [COMPLAINTS EMAIL]; in writing to the address given in §1. To help resolve a complaint efficiently, the User may provide: a description of the problem; the Device model; the operating-system version; the OweView version; the approximate date the problem occurred. Missing any of the information listed above does not automatically result in the complaint being rejected if it can be resolved without it. The Provider responds to a Consumer's complaint within 14 days of receiving it, unless specific provisions state otherwise. The response is provided on paper or another durable medium, in particular by e-mail.

A Consumer entering into a distance contract has withdrawal rights arising from applicable law. For paid digital content not supplied on a tangible medium, the right of withdrawal may be lost after performance has begun, but only once the conditions required by law have been met. These conditions include, in particular, the Consumer's prior consent, informing the Consumer that the right of withdrawal will be lost, and providing the required confirmation. The purchase process and any refund may be technically carried out using App Store or Google Play mechanisms. The Store operator's voluntary refund policy is separate from the Consumer's statutory rights related to OweView's lack of conformity with the contract.

The Provider is liable for OweView under the rules resulting from applicable law. These Terms do not exclude or limit liability that cannot lawfully be excluded towards a Consumer. The User is responsible for the accuracy of data they enter into OweView themselves. The Provider is not liable for an incorrect result that is solely a consequence of incorrect, incomplete, or outdated data entered by the User. The above does not exclude liability for an error in OweView's own mechanism. The Provider is not liable for problems arising solely from: a Device malfunction; the operating system's configuration; missing required permissions; the unavailability of the App Store or Google Play; the conduct of third-party infrastructure beyond the Provider's control - subject to the Consumer's mandatory statutory rights.

OweView and its components are protected by law. Using the App does not transfer any copyright in OweView to the User. The User receives a non-exclusive right to use OweView for their own purposes, in accordance with these Terms and the rules of the relevant Store.

The Provider does not guarantee that OweView will be available in the App Store or Google Play indefinitely. Any discontinuation of the distribution or development of OweView may not infringe the rights of Consumers arising from contracts already concluded and from applicable law. The ability to re-download a previously purchased App may also depend on the rules and infrastructure of the Store operator. The term "Unlimited" is not a guarantee of OweView's indefinite presence in the Stores.

Financial data saved by the User in OweView remains on their Device. The Provider does not receive this data and does not store it on its own servers. The App does not transmit User data over the network other than the communication with the App Store or Google Play related to the purchase and handling of entitlement to the Full Version. Detailed information about the other processes related to, among other things, the website, e-mail contact, and the Stores can be found in the Privacy Policy.

These Terms may be amended for justified reasons, in particular in the event of: a change in the law; a change in the Provider's details; a change in Apple's or Google's requirements; a technical or functional change to OweView requiring an update to the terms of use. Amending these Terms does not deprive the User of rights already acquired. If the law requires the User to be informed of a change in advance or on a durable medium, the Provider fulfils that obligation.

A Consumer may use the out-of-court consumer dispute-resolution methods available under the law. Information on the available forms of assistance and the competent bodies can be obtained, among others, through the Polish Office of Competition and Consumer Protection (UOKiK).

These Terms are governed by Polish law, subject to the mandatory provisions protecting Consumers. Matters not regulated herein are governed by applicable law. The current Terms are available at: https://oweview.app/en/info/#terms. These Terms are effective from: [DATE].