Privacy Policy

Last updated: August 13, 2026

This Privacy Policy describes how the Our Wallet mobile application (the "App") handles information when you use it. By using the App, you agree to the practices described below. If you do not agree, please do not use the App.

1. Information We Collect

The App requires an account. When you use the App, we collect and store the following information:

• Account information — when you sign in with Apple or Google, we receive an account identifier and, depending on your provider settings, your email address. We do not receive your password.
• Profile — the display name you choose inside the App (for example, a nickname shown to your partner).
• Household budgeting data — the data you enter to use the App: expenses (date, category, amount, payer, optional notes), categories and their burden ratios, fixed-cost templates, prepayments, and monthly settlement records.

This information is used solely to provide the App's features — recording expenses, sharing them within your household, and calculating monthly settlements. We do not sell your personal information, and we do not use your budgeting data for advertising.

2. Sharing Within Your Household

Our Wallet is designed to be shared by a two-person household. When you join a household, the other member can see the household's data, including expenses recorded by either of you, categories and ratios, templates, settlement records, and your display name. Please only share a household invite code with someone you trust.

3. Third-Party Services

Supabase (backend and data hosting)

Your account and household data are stored using Supabase (provided by Supabase, Inc.), a hosted backend platform that provides our database and authentication. Access to your data is protected by authentication and row-level security rules, so it is only available to you and your household partner. For details, see:

• Supabase Privacy Policy

Google AdMob (advertising)

The App displays a banner advertisement through Google AdMob (provided by Google LLC) at the bottom of the home screen. To serve and measure ads, AdMob may collect or process information such as:

• Device identifiers (including the Identifier for Advertisers / IDFA, when permitted)
• IP address and approximate (coarse) location derived from it
• Device and OS information, ad interaction events, and crash diagnostics

Your budgeting data (amounts, notes, categories) is never shared with AdMob. Where required, the App also shows a consent form (Google User Messaging Platform) before ads are served. For details on Google AdMob's data practices, see:

• Google Privacy Policy
• About AdMob and Google's data practices

Google Analytics for Firebase (usage analytics)

The App uses Google Analytics for Firebase (provided by Google LLC) to understand in aggregate how the App is used — for example how often expenses are added or settlements are completed — so that we can improve it. Analytics may collect or process information such as:

• An app-instance ID, a random identifier assigned to your installation of the App
• Device model, operating system version, app version, language, and approximate (country-level) location derived from IP address
• In-app events such as app opens, screen views, and feature usage (for example adding an expense or completing a settlement)

Because household finances are sensitive, analytics events never include the content of your data — no amounts, notes, category names, display names, or email addresses are sent to Analytics. We use this information only in aggregated, statistical form and do not sell it. For details, see:

• Privacy and Security in Firebase
• How Google uses information from apps that use its services

4. App Tracking Transparency (ATT)

The App may present Apple's standard App Tracking Transparency prompt asking whether to allow tracking across apps and websites owned by other companies. Your response determines whether the Identifier for Advertisers (IDFA) is available to AdMob and to Google's advertising features in Analytics:

• Allow: AdMob and Analytics may use the IDFA to personalize ads and measure performance.
• Ask App Not to Track: Neither AdMob nor Analytics will access the IDFA. Non-personalized ads are still shown, and analytics continues without the IDFA.

You can change this choice at any time in iOS Settings → Privacy & Security → Tracking.

5. SKAdNetwork

The App participates in Apple's SKAdNetwork, a privacy-preserving framework that attributes ad installs without revealing user-level data. SKAdNetwork postbacks do not contain personal information about you.

6. Children's Privacy

The App is a general-audience budgeting tool and is not directed to children under the age of 13 (or the equivalent minimum age in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided personal information through the App, please contact us and we will take appropriate steps to remove it.

7. Data Retention and Account Deletion

We retain your account and household data for as long as your account exists, so that your records and settlement history remain available to you and your household partner.

You can delete your account at any time from the App's settings screen. Account deletion removes the personal data linked to you. If your partner remains in the household, the household's shared records are kept so that their history stays intact — expenses you recorded remain, attributed to your display name only. Data collected by AdMob and by Google Analytics for Firebase is retained by Google according to its own policies.

8. Your Choices

• Limit ad tracking: Use the ATT prompt or iOS Settings → Privacy & Security → Tracking to prevent the App from accessing the IDFA.
• Leave a household: You can leave your household from the App's settings screen at any time.
• Delete your account: Use the account deletion option in the App's settings screen to remove the personal data linked to you.
• Manage sign-in: You can review or revoke the App's access in your Apple ID or Google account settings at any time.

9. Security

Your data is transmitted over encrypted connections (HTTPS) and protected by authentication and per-household access rules (row-level security) on our backend. No method of transmission or storage is completely secure, but we take reasonable measures to protect your information.

10. International Users

The App is available worldwide. By using the App, you understand that your information may be transferred to, stored, and processed in countries other than your own — including by the hosting, advertising, and analytics providers described above — in accordance with their privacy policies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. Material changes will be reflected in an updated version available at this URL.

12. Contact

If you have any questions about this Privacy Policy or the App's privacy practices, contact us at support@kozuke.dev.