Help & information
Frequently asked questions and legal documents. Can't find an answer? Write to [email protected].
Frequently asked questions
Privacy policy
The provider of OweView and - to the extent any personal-data processing occurs at all - the data controller within the meaning of the GDPR is [name / company, address], based in Poland. Contact for all privacy matters: [email protected].
OweView runs entirely on your device. The app has no server, no user accounts, and never transmits any data off the device. We use no analytics, advertising, profiling or data-transmitting crash-reporting tools. We do not know your name, e-mail address or anything you enter. Consequently we neither sell nor share data - we simply do not have it.
Obligations, payments and settings are stored solely in the app's local database on your device. You are in full control: edit or delete entries individually or wipe everything (Settings → Delete all data). Uninstalling the app permanently removes the local database. Device-level protection (passcode, system encryption) is governed by iOS/Android mechanisms.
A backup is a file encrypted on your device with AES-256 using a password known only to you. You decide where to keep it (e.g. iCloud, Google Drive, a USB drive). We have access to neither the file nor the password and cannot recover a backup if the password is lost. Storing the file with a cloud provider is governed by that provider's terms - the provider then acts as a separate controller chosen by you.
The Lifetime purchase is processed by the App Store (Apple Distribution International Ltd.) or Google Play (Google Ireland Ltd.) as independent controllers of transaction data, under their own terms and privacy policies. We never receive your card or billing details; the app receives only a technical purchase confirmation containing no personal data.
Face ID / Touch ID / biometrics - verification happens entirely within the operating system; the app receives only the result (yes/no) and never has access to biometric data. Notifications - reminders are scheduled locally on the device and never pass through any server. Both permissions are optional; the app works without them.
If you write to our contact address, we process the data contained in your message (e-mail address, content) solely to reply, based on our legitimate interest (Art. 6(1)(f) GDPR). Correspondence is deleted no later than [12] months after the matter is closed.
The website uses no cookies, analytics or advertising tools. The browser stores locally (localStorage) only interface preferences - e.g. that you dismissed a notice. This data never leaves your device. Site traffic passes through Cloudflare (hosting/CDN provider) under its privacy policy; we configure no tracking mechanisms there.
The app is not directed at children and collects no data from anyone, including minors. We do not verify age, as we process no data that would make this possible.
We share no personal data with anyone and make no transfers outside the EEA, as we process no data on any server.
You exercise your GDPR rights (access, rectification, erasure, restriction, portability, objection) directly and immediately yourself - you have exclusive control over the local database and backup files. For matters concerning e-mail correspondence, contact us. You may also lodge a complaint with a supervisory authority - in Poland: the President of the Personal Data Protection Office (UODO), ul. Stawki 2, 00-193 Warsaw (uodo.gov.pl), or with the authority of your habitual residence.
Changes will be announced in the app and on this page with their effective date; previous versions are archived. Changes are not retroactive.
Terms of service
App - the OweView mobile application for iOS and Android, including updates. Provider - [name / company, address], Poland, e-mail: [email protected]. User - a natural person using the App for personal, non-commercial purposes. Store - the App Store (Apple) or Google Play (Google). Lifetime - the one-time paid licence upgrade described in § 6.
These Terms govern the use of the App and are available free of charge at oweview.app and in the App, in a form allowing download and reproduction. Using the App requires accepting these Terms, confirmed on the welcome screen. The contract for supply of digital content is concluded upon installation (free version) or upon purchase in the Store (Lifetime). On Apple devices the Apple Media Services terms additionally apply; for consumers, whichever provisions are more favourable prevail in case of conflict.
The App is a tool for self-managed record-keeping of financial obligations, due-date reminders and indicative calculations (schedules, overpayments). The App is not: a payment service, a lending institution, an investment firm, or financial, investment, credit or tax advice. It does not execute or intermediate payments, does not connect to bank accounts and does not recommend financial products. All data is entered by the User; the App does not verify its accuracy.
The App requires iOS [16+] or Android [10+]. An internet connection is not required for operation (only for download, updates and Store purchases).
The Provider grants the User a non-exclusive, non-transferable, territorially unlimited licence to use the App on devices linked to the User's Store account, for personal use only. The following are prohibited: making the App available to third parties for payment, decompilation or reverse engineering beyond what mandatory law permits, removing the Provider's marks, and unlawful use. All intellectual-property rights to the App, including the OweView mark, remain with the Provider.
The free version covers one active obligation with full functionality of all other modules and requires no payment details. Lifetime is a one-time purchase removing the obligation limit and including future feature updates. The price is shown in the Store in your local currency before purchase. Sale, payment, invoicing and refunds are handled by the Store under its terms. Withdrawal rights for distance contracts are exercised towards the Store under its procedures; consumers who consent to immediate delivery of digital content may lose the right of withdrawal upon delivery, in accordance with applicable consumer law (in the EU, Art. 16(m) of Directive 2011/83/EU) and Store procedures. Lifetime is tied to the User's Store account and restored via "Restore purchases".
App data is stored solely on the User's device. The Provider has no access to it and no technical means of recovery. The User is responsible for making backups and safeguarding the backup password. A lost password makes the backup unreadable; a lost device without a backup means lost data.
Schedules, principal/interest splits and overpayment simulations are indicative only and may differ from your bank's figures (interest-accrual methods, non-business days, rounding). Only your agreement with the bank and the bank's documents are binding. The App does not constitute a recommendation to take any financial decision.
Towards consumers, the Provider is liable for the App's conformity with the contract under applicable consumer law (in the EU, Directive (EU) 2019/770) and supplies updates necessary to maintain conformity for the period the consumer may reasonably expect. Complaints may be submitted to [email protected] with a description of the issue and the App/OS versions. The Provider responds within 14 days. Complaints concerning payments and refunds are handled by the Store under its procedures.
To the maximum extent permitted by law, the Provider's liability for damage arising from use of the App - in particular from unrecorded payments, incorrectly entered data, decisions based on indicative calculations, or data loss due to device or password loss - is excluded, and otherwise limited to the amount the User paid for Lifetime. These limitations do not apply to damage caused intentionally or to liability that cannot be excluded towards consumers under mandatory law.
These Terms are governed by Polish law. This choice does not deprive consumers of the protection afforded by mandatory provisions of the law of their habitual residence. Consumer disputes may be resolved amicably; in Poland consumers may seek assistance from municipal consumer ombudsmen and out-of-court dispute-resolution schemes (details: uokik.gov.pl).
The Provider may amend these Terms for valid reasons (changes in law, functionality or distribution), announcing amendments in the App and on this page at least 14 days in advance. A User who does not accept the amendments discontinues use; acquired rights are unaffected (Lifetime remains valid). Invalidity of a single provision does not affect the remainder; the invalid provision is replaced by the legal rules closest to its purpose.