Privacy Policy

Utang: Debt & Credit Tracker

Last updated: January 29, 2026

Mark Caguioa (“we,” “our,” or “us”) operates the Utang: Debt & Credit Tracker mobile application (“App”).

This Privacy Policy explains how information is collected, used, and disclosed when you use the App. By using the App, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

a. Personal and App Data (Stored Locally on Your Device)

Utang is designed to work without user accounts and without cloud storage. The following information is stored locally on your device only:

• Name or nickname
• Email address
• Phone number
• Contacts (people you owe or who owe you money)
• Transaction details (amounts, notes, dates)
• Reminders and due dates

This data does not leave your device and is not uploaded to our servers.

b. Automatically Collected Information

The App uses third-party services that may collect limited information for analytics, crash reporting, and advertising purposes, including:

• Device information (device model, operating system)
• App usage data
• Crash logs and diagnostics
• Advertising identifiers

2. Third-Party Services

The App uses the following third-party services:

• Google Firebase Analytics
• Firebase Crashlytics
• Google AdMob

These services may collect and process information in accordance with their own privacy policies. You can review Google’s Privacy Policy at: https://policies.google.com/privacy

3. How We Use Information

Information is used to:

• Enable core app functionality
• Improve app performance and stability
• Analyze usage trends
• Display advertisements
• Detect and fix crashes

We do not sell or share your personal data for marketing purposes.

4. Data Storage and Security

• All user-entered data is stored locally on your device
• We do not operate our own servers or cloud databases
• No method of electronic storage is completely secure

5. Data Retention

Your data remains on your device until you delete it manually or uninstall the App. We do not retain copies of your data.

6. User Rights and Control

At this time:

• The App does not support data export
• The App does not support account-based data deletion
• There is no remote data removal

Uninstalling the App will remove all locally stored data.

7. Children’s Privacy

Utang is not intended for children under the age of 13. We do not knowingly collect personal information from children.

8. Advertising

The App displays banner advertisements provided by Google AdMob. AdMob may use advertising identifiers in accordance with Google’s advertising policies.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated revision date.

10. Contact Us

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

Email: mc23.dev@gmail.com
Website: https://mc23.dev/