Owlow Privacy Policy

Effective date: 2026-10-30

Owlow ("the app") is a free debt payoff planner provided by DDJ B1 ("we", "us"). You enter your debts (name, type, balance, interest rate, minimum payment and due day) and a monthly budget, and the app calculates a payoff plan (snowball, avalanche or your own order), shows your estimated debt-free date and lets you log payments. It has no account system, no login, no subscription and no server operated by us. It does not connect to any bank or lender — all numbers are typed in by you, and all calculations run on your device and work offline.

Your data

The debts, payments, budget, strategy and settings you enter are stored locally on your device.

• The app itself does not upload this data, and we never receive it.
• The advertising SDK described below may collect information as explained in that section. Your debt and payment information is not passed to the advertising SDK.
• If you use "Share" or "Share with a friend", only a short text (for example the name of a debt you paid off, your estimated debt-free month and a link to the app — never amounts) goes to the app you choose through Android's share sheet.
• Android's standard app backup may include app data in your own Google account backup if you have device backup enabled; that backup is controlled by you and Google, not by us.

Permissions

• Notifications — for optional due-date reminders and a short progress note. You can decline or turn them off; everything else keeps working.
• Run at startup — to restore reminders after the phone restarts or the time zone changes.
• Vibration — for reminder alerts, if enabled.
• Internet / network state / advertising ID — used by the advertising SDK described below. Some permissions declared by Google libraries are not used by the app to read personal information.

Owlow does not request location, contacts, camera, microphone, phone call access, SMS, calendar or photo library permissions, or permission to draw over other apps. It does not make payments, move money or access bank accounts.

Advertising and information collected automatically

The app displays advertisements provided by Google AdMob inside the app only (never in notifications or in the widget, and never on the debt editing screen). Ads are limited to content rated for general audiences. To serve and measure ads and to prevent fraud, the AdMob SDK may collect and share with Google information such as your device's advertising identifier and other device identifiers, approximate location derived from your IP address, app interactions (for example ad views and taps), crash logs and diagnostics. This data is shared with Google as a third party for advertising, analytics and fraud prevention purposes. For more information see https://policies.google.com/technologies/partner-sites.

For users in the European Economic Area (EEA), the United Kingdom and other regions where required, the app presents a consent form via Google's User Messaging Platform (UMP) before personalized advertising data is used; if you decline, non-personalized ads are shown. You can change your choice from the app's Settings screen ("Ad privacy settings") and reset or limit ad personalization in your device settings.

Not financial advice

Owlow's payoff dates and interest figures are estimates calculated from the numbers you enter. They are not financial advice and may differ from your lender's statements.

Children

The app is not directed to children under 13, and we do not knowingly collect personal information from children.

Your rights

Your app data exists only on your device and in backups you control; uninstalling the app removes the app's own copies. You can edit or delete any debt or payment inside the app at any time. Depending on your region (e.g. GDPR, CCPA), you may have rights regarding data processed by the advertising SDK; you can exercise ad-related choices through the consent form and your device's ad settings.

Changes to this policy

We may update this policy from time to time. Changes will be posted on this page with an updated effective date.

Contact

Questions about this policy: bloodturtle@naver.com