Privacy and security

Who can see your records

• Your private book is visible only to you.
• Group members see that group’s expenses, balances, payments and comments, never your private entries.
• Statement and view-only links can be opened by anyone who has the link, until you turn them off. They show the payment details you chose for them only while someone owes you.
• AI assistants see only what you allowed, and only cloud records.

Where your data lives

• The phone app keeps records on the device by default and uploads nothing unless you turn on sync or cloud backup.
• The web app and AI assistants use OweJar’s hosted service, which processes your cloud records to show and update them. It is encrypted in transit but isn’t an end-to-end encrypted backup.
• Photos you upload are resized and their metadata is removed.

What OweJar never does

• Connect to your bank, move money or pay bills.
• Find you by email, phone number or contacts; connections use a code, QR or link.
• Store your Google password or tokens.

Keep your account safe

• Never share sign-in codes. OweJar will never ask for them.
• Only approve AI changes that you asked for, and disconnect assistants you no longer use.
• Don’t store bank logins, card numbers or ID numbers in notes.
• Turn off statement and view-only links you no longer need.

For full details, read the Privacy Policy and Terms of Service.