Privacy Policy

Last Updated: July 20, 2026

NorthAlbania AL (“we”, “our”, or “us”) respects your privacy and is committed to protecting your information. This Privacy Policy explains how the Owe.Me application handles your data.

1. No Data Collection

Owe.Me does not collect, store, transmit, or share any personal information.

The app does not require an account, registration, login, or any personal details to use its features.

2. Data Stored on Your Device

All information you enter into Owe.Me, including:

  • Names of people
  • Money amounts
  • Notes
  • Payment records
  • Due dates
  • Other information you choose to add

is stored locally on your device only.

NorthAlbania AL does not have access to this information, and your data is never sent to our servers.

3. Backup and Restore

Owe.Me supports backup and restore functionality through your device’s available backup services.

Any backup or restore process is controlled by your device settings and your chosen backup provider. NorthAlbania AL does not access, view, or store your backup data.

4. Data Sharing

We do not sell, share, or disclose your information to third parties because we do not collect any user data.

Your financial records, notes, and personal entries remain private and under your control.

5. Analytics and Tracking

Owe.Me does not use:

  • Analytics services
  • Advertising networks
  • Tracking technologies
  • Third-party data collection tools

We do not monitor your usage or activity.

6. Advertisements

Owe.Me does not display advertisements.

7. Children’s Privacy

Owe.Me is not designed for children under the age of 13.

We do not knowingly collect any information from children.

8. Your Control Over Your Data

Since all information is stored locally on your device, you have full control over your data.

You can edit, delete, or manage your records at any time directly within the app.

If you remove the application from your device, locally stored app data may also be deleted depending on your device settings.

We recommend using the available backup and restore options if you want to keep your information.

9. Security

We value your privacy and rely on the security features provided by your device’s operating system to help protect your locally stored information.

However, no method of electronic storage is completely secure, and users should maintain appropriate security practices for their device.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be reflected by updating the “Last Updated” date at the top of this page.

11. Contact Us

If you have any questions about this Privacy Policy, you can contact us:

NorthAlbania AL
Owner: Terenc Pepa
Email: info@northalbania.al
Website: www.northalbania.al

By using Owe.Me, you acknowledge that you have read and understood this Privacy Policy.