This policy explains what data the My Debts app processes, why, and how you stay in control. It applies to both the iOS and Android versions and replaces the previous version.
Who we are
My Debts is published by TheAppsFactory SAS, 24 rue Abel Gance, 84100 Orange, France (RCS Avignon 821 324 332), the data controller. Contact: intergoldex@gmail.com.
In short
- Your debts and loans are only used to run the app: tracking, reminders, backup.
- No ads, no selling of data, no ad tracking.
- You can ask for an export or deletion of your data at any time.
Data we process
- Account: email address and, where applicable, phone number, used to identify your account, approve a new device and restore your backups.
- Data you enter: names or nicknames of the people you exchange money with, amounts, loan and due dates, repayments and comments. The app never contacts these people.
- Automatic backup: a copy of your data is stored on our servers so you can restore it on a new device.
- Reminders: due-date notifications are scheduled on your device.
- Subscription: purchases are handled by Apple or Google; we only receive your subscription status, never your payment details.
- Technical data: device model, OS and app version, error logs, to keep backup working and fix bugs.
- Support: the content of your messages if you contact us.
The app's passcode lock works on your device: that code is never sent to us.
Why we use it
- To provide the service: tracking your debts and loans, reminders, backup and restore (performance of a contract).
- To manage your subscription (performance of a contract).
- To keep the service secure and fix errors (legitimate interest).
- To answer your requests (legitimate interest).
- To meet legal and accounting obligations.
Who we share it with
- People you choose, if you share a summary from the app.
- Our technical providers: backup hosting and sending validation emails, only for those purposes and under confidentiality commitments.
- Apple and Google, for in-app purchases.
We never sell or rent your data, and we do not use it for advertising. If some data is hosted outside the European Union, the transfer is covered by the safeguards provided by the GDPR (standard contractual clauses).
Retention
- Account data and backups are kept while your account is active.
- After a deletion request, they are erased within 30 days and removed from technical backups within 90 days at most.
- Subscription records are kept as long as our accounting obligations require.
- Support messages are kept for up to 3 years after the last exchange.
Security
Encrypted connections between the app and our servers, access limited to those who need it, passcode lock, regular updates.
Account deletion
To delete your account and all associated data, email intergoldex@gmail.com from your account's address.
Minors
My Debts is intended for adults (18 and over), as stated in our terms of use. We do not knowingly collect data about minors.
Your rights
Under the GDPR you have the right to access, rectify, erase, restrict, object to and port your data. To exercise them: intergoldex@gmail.com. You may also lodge a complaint with your data protection authority (in France: the CNIL, www.cnil.fr).
Subscriptions and terms of use
Terms of use and subscription terms: https://mydebts.s3.eu-west-1.amazonaws.com/cgu.html
Changes
We may update this policy. The date at the top shows the latest version; for significant changes, we will let you know in the app.