Privacy Policy
Last Updated: February 2026
NowTo IOU ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information.
Information We Collect
We collect information you provide directly, including your email address, display name, and debt records you create. We also collect usage data through cookies and analytics.
How We Use Your Information
We use your information to provide and improve our service, authenticate your identity, and send you relevant notifications about your debt records.
Data Storage & Security
Your data is stored securely using industry-standard encryption. Authentication is handled through Firebase, and debt records are stored in encrypted databases.
Cookies & Analytics
We use cookies for authentication, preferences, and analytics (Google Analytics). We also display ads through Google AdSense, which may use cookies for personalization.
Third-Party Services
We use Firebase (authentication, storage), Google Analytics (usage tracking), and Google AdSense (advertising). Each service has its own privacy policy.
Your Rights (GDPR)
You have the right to access, correct, or delete your personal data at any time. You can delete your account and all associated data from your account settings.
Contact Us
If you have questions about this Privacy Policy, please contact us through our contact page.