Privacy Policy

1. Debt-plan information stays local

OWEDONE lets you enter debt names, balances, interest rates, minimum payments, planning preferences and optional Earn More inputs. The paid PWA processes and stores this plan information locally in your browser/device. The OWEDONE commerce backend is not designed to receive or store those debt-plan values.

2. No bank connection and no financial-data account

OWEDONE does not connect to your bank, card accounts, lenders, credit bureaus or open-banking services. You do not create an OWEDONE username/password account to use the planner.

3. Purchase and licence information

To sell and deliver OWEDONE, we process limited commerce information such as the email address you enter at purchase, a purchase/order identifier, payment status, licence code, licence status and activation records. Each activated browser/device is represented by a randomly generated device identifier and an optional generic device label. A licence may be activated on up to three devices/browser profiles.

Your purchase email is used for licence delivery, recovery, receipts/support relating to your purchase, and fraud/entitlement administration. It is not linked to your debt-plan data because that data remains local.

4. Payments

Card/payment details are entered with the configured payment provider and are not stored by OWEDONE. The payment provider processes payment and related transaction information under its own privacy terms. OWEDONE receives the information needed to confirm whether a purchase was successfully paid or refunded.

5. Licence email delivery

OWEDONE uses an email-delivery provider to send licence and recovery messages. The recipient email address and message-delivery metadata may therefore be processed by that provider for delivery and security purposes.

6. Cloudflare hosting and security

owedone.com and the licence backend run on Cloudflare infrastructure. Cloudflare may process technical request information needed to deliver and secure the service, such as IP address, browser/device information, requested URL, timestamps and related network metadata, subject to Cloudflare's own terms and privacy practices.

7. Backups and imports

OWEDONE can create a JSON backup of your plan. In the web version the backup is downloaded by your browser. OWEDONE does not automatically upload that backup. If you subsequently save or share it through another service, that service's privacy practices apply.

8. Earn More and AI brief

Earn More uses supported live listing sources for current-opportunity search, with a separate local catalogue of general ideas. When you choose live search, OWEDONE sends only coarse search criteria such as market / country, remote or local preference and selected skills to the OWEDONE Worker so it can request and initially filter current listings. OWEDONE does not send debt balances, creditors, APRs, minimum payments, monthly repayment figures or payoff schedules for live job search. Final matching and ranking are performed locally in the browser. Hours, equipment and other local planning inputs are not sent to listing providers. The AI brief continues to be prepared locally and is not sent to a live AI service in this version.

9. Analytics and advertising

OWEDONE does not currently include behavioural advertising trackers or sell your personal information. If first-party analytics are introduced later, this policy will be updated before they are represented as part of the service.

10. Retention

Purchase and licence records may be retained for as long as reasonably necessary to provide access, prevent abuse, handle refunds/support, keep accounting records and meet legal obligations. Device activation records can be reset by support where appropriate. Support correspondence is retained as needed to resolve the request and maintain business records.

11. Your choices and rights

You can clear your locally stored debt plan from within OWEDONE and delete exported backups you control. For questions about purchase/licence information, access requests or other privacy rights that apply in your jurisdiction, contact us at the address below.

12. Security

Because debt-plan data is local, the security of your device and backups matters. Use an appropriate device lock and store exported backups carefully. Licence secrets should also be kept private.

13. Changes

If OWEDONE later adds cloud sync, account-based plan storage, bank connections, analytics or live AI transmission beyond the current architecture, this policy will be updated before those features are offered.

14. Controller & contact

Controller/seller: Dmitrij Kolesnik, trading as OWEDONE
Postal/contact address: 101 Perth Street, Derby, DE21 4BR, UK
Email: support@owedone.com