1. Overview
Zero Billion Apps ("we", "us", "our") operates the Owed mobile application. This Privacy Policy explains how we collect, use, and protect your information when you use our App.
We are committed to protecting your privacy. We designed Owed with a privacy-first approach.
2. Information We Collect
Profile Information: During onboarding, you provide information including age range, state, employment status, income bracket, filing status, number of dependents, housing situation, insurance status, education level, veteran status, life events, and current benefits. This information is used to match you with relevant benefit programs.
Usage Data: We may collect anonymous usage analytics such as which features are used and general app interaction patterns. This data does not identify you personally.
Purchase Information: Subscription purchases are processed by Apple through the App Store. We do not collect or store your payment information.
3. How We Store Your Data
Local Storage: Your profile information is stored locally on your device using iOS standard storage mechanisms. We do not transmit your personal profile data to external servers.
No Account Required: Owed does not require you to create an account or provide an email address to use the App.
4. How We Use Your Information
- To generate personalized benefit recommendations based on your profile
- To track application deadlines and send reminders (with your permission)
- To improve the App and develop new features
- To comply with legal obligations
5. Information Sharing
We do not sell, trade, or rent your personal information to third parties. We may share anonymized, aggregated data for analytics purposes.
We may disclose your information if required by law, such as to comply with a subpoena or similar legal process.
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information. Data stored on your device is protected by iOS security features including device encryption.
7. Your Rights
- Access: You can view your profile information within the App at any time
- Deletion: You can reset your profile by signing out within the App, which removes your locally stored data
- Portability: Your data is stored on your device and under your control
8. Children's Privacy
Owed is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice within the App.
10. Contact Us
If you have questions about this Privacy Policy, contact us at privacy@zerobillion.app.