Privacy Policy

App: Owl Debt Focus
Effective Date: February 4, 2026
Last Updated: February 4, 2026

1. Introduction

Welcome to Owl Debt Focus (“we,” “us,” or “our”). This Privacy Policy explains what information we collect, why we collect it, and how we use and share it. We are committed to protecting your privacy and handling your information responsibly.

2. Information We Collect

2.1 Information you enter in the app

Debt and payment information (e.g., debt name/type, payment schedule, amounts, APR/interest rate, repayment method, remaining periods, paid/unpaid status).
Financial settings (e.g., monthly income, fixed expenses, paycheck frequency/amount, repayment preference).
Notes or other content you choose to save (if applicable within the app).

2.2 AI check-in / report inputs

If you choose to generate an AI check-in/report, the app will send certain information (such as your debt summary, upcoming payments, income/expense settings, and related context) to our servers in order to generate the report.

2.3 Calendar-related information (optional)

If you choose to add your payment plan to your device calendar, we will request access to your Calendar. We may create, update, and remove calendar events related to your payments (for example, event title, due date, and amount in notes). To keep those events accurate, we may look up the events we created (including by searching around relevant dates).

2.4 Photos/Camera information for OCR (optional)

If you choose to use the scanning feature to capture amounts from a bill/statement, you may select a photo or take a new photo. The app processes the image to recognize numbers and fill in amounts.

We do not require you to upload photos to use the app. If your device supports it, text recognition can be performed on-device.

2.5 Device and app information

Device identifiers (e.g., a device identifier provided by iOS) and basic app/device signals (such as language, region, and time zone) to support features like configuration, diagnostics, and AI report requests.
Usage information (e.g., which screens/features you use, frequency of use, and interaction patterns) to help improve the app and troubleshoot issues.

2.6 Advertising and attribution data

If the app displays ads, advertising partners may collect information to provide and measure ads (for example, ad impressions, clicks, approximate location derived from IP address, and device identifiers). Where required, iOS will ask for your permission before allowing “tracking” across apps and websites.

2.7 Account information

Important: Owl Debt Focus does not require you to create an in-app account to use core features. We do not ask for your name, email address, or password for normal use of the app. If you contact support, you may choose to share contact details and messages with us.

3. How We Use Your Information

3.1 Provide and improve core features

Debt analysis (e.g., totals, repayment timelines, financial health calculations, and other insights based on the information you provide).
Planning tools (e.g., paycheck-period planning, upcoming payment views, progress tracking).
Personalization (e.g., currency display, language selection, and in-app preferences).

3.2 AI check-in/report generation (optional)

Generate a written report based on the information you choose to submit.
Cache or store recent report outputs on your device so you can view them again (for example, a small history list).

3.3 Customer support

Respond to inquiries and troubleshoot problems you report.

3.4 Advertising and measurement

Display ads, measure performance (impressions/clicks), and limit repetitive ads.
Respect your iOS privacy settings and the App Tracking Transparency prompt.

3.5 Legal compliance and protection

Comply with applicable laws, regulations, and lawful requests.
Protect the rights, safety, and security of users and our services.

4. App Permissions (Calendar, Photos/Camera, Tracking)

4.1 Calendar permission

The app may request Calendar access only if you choose to add payment reminders/events. If you deny permission, you can still use the app without calendar integration.

4.2 Photos/Camera permission

The app may request Photo Library or Camera access only if you choose to scan amounts from a statement/bill. If you deny permission, you can still enter amounts manually.

4.3 Tracking permission (App Tracking Transparency)

If the app uses advertising that may involve “tracking” as defined by Apple, iOS will show a system prompt asking for your permission. If you do not allow tracking, you may still see ads, but they may be less personalized.

5.1 Service providers

We may share information with vendors and service providers that help us operate the app and deliver features, such as:

Advertising partners (e.g., AppLovin and mediated ad networks) to serve and measure ads.
Infrastructure and API services to deliver features such as remote configuration and AI report generation.

These providers are required to protect information and use it only for the purposes we specify, consistent with this policy.

5.2 Legal requirements

We may disclose information if required by law or if we believe in good faith that disclosure is necessary to comply with legal obligations, protect our rights, protect your safety or the safety of others, investigate fraud, or respond to government requests.

5.3 Business transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction, subject to this policy or a successor policy.

5.4 With your consent

We may share information with third parties if you direct us to do so or if you explicitly consent.

6. iCloud Sync

If you enable iCloud sync, your debt data and related app data may be stored in your iCloud account and synced across devices using Apple’s iCloud services. We do not have access to your iCloud account contents. You can disable iCloud sync at any time in the app and manage iCloud storage in your device settings.

7. Subscriptions & In‑App Purchases

Owl Debt Focus may offer optional subscriptions and/or one-time purchases. Purchases are processed by Apple via the App Store. We do not collect or store your payment card information.

We may receive information necessary to provide your purchase (e.g., subscription status, product identifiers, and transaction verification results).
We use this information to unlock premium features, restore purchases, and prevent fraud.

8. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect your information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

On-device data: Your debt and planning data is primarily stored on your device and kept until you delete it, delete the app, or reset your device.
iCloud data: If enabled, copies may be retained in your iCloud until you disable sync and/or remove the app’s iCloud data via Apple settings.
AI report requests: We may temporarily process data you send to generate a report. We may retain limited logs to improve reliability and prevent abuse, subject to applicable law.

10. Your Choices & Controls

Calendar access: Manage in iOS Settings > Privacy & Security > Calendars.
Photos/Camera access: Manage in iOS Settings > Privacy & Security.
Tracking permission: Manage in iOS Settings > Privacy & Security > Tracking.
iCloud sync: Enable/disable in the app and manage iCloud storage in Apple ID settings.
Delete your data: You can remove local data by deleting the app (and, if enabled, remove iCloud data via Apple settings).

11. Children’s Privacy

Owl Debt Focus is not directed to children under the age of 13 (or the minimum age required by local law). We do not knowingly collect personal information from children. If you believe a child has provided personal information, please contact us so we can take appropriate action.

12. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will provide notice through the app or other appropriate means. Your continued use of the app after the changes become effective means you accept the updated policy.

13. Contact Us

If you have questions about this Privacy Policy, please contact us at:
Email: help@owldebtfocus.top
Website: https://owldebtfocus.top

14. Disclaimer

Owl Debt Focus is a debt management and assessment tool. We do not:

Offer loans or financial services.
Provide services to clear debts or improve credit scores.
Guarantee results or outcomes based on the use of our app.

Users should:

Understand the app operates based on the data they provide.
Seek advice from qualified financial professionals for debt-related decisions.