Privacy Policy

Who we are

OyenWorth is made by Sarveka Labs Sdn. Bhd. ("we", "us"), a company in Malaysia. You can reach us at hello@oyenworth.com.

What stays on your device

Everything you enter — your name, home currency, accounts, balances, history, targets, notes, estate notes and insurance policies — is stored in an encrypted database on your phone. The encryption key is kept in your device's secure storage. We have no copy and no way to access it.

What leaves your device, and when

• Purchases: the App Store or Google Play handles payment. RevenueCat, the service we use to confirm OyenWorth Pro, receives an anonymous app user ID, your purchase and subscription history, and basic device and app information (such as the operating system, app version and store country). It never receives your balances, accounts or name.
• Exchange rates: only if you have, or are adding, an account in another currency, the app downloads the day's reference rates from api.frankfurter.dev (European Central Bank data). The request is the same for everyone — every supported currency against the euro — so it doesn't reveal your home currency or your accounts. Like any internet request, the service can see your IP address.
• Things you choose to share: backup files, the estate PDF, Excel downloads and share images leave your phone only when you share them, and only to where you send them.
• Feedback: if you email us from the app, your mail app opens a message that includes the app version, operating system, phone model, language and whether you use Free or Pro. You can see and edit it before sending.

What we don't do

• No account, sign-up or bank connection.
• No advertising and no tracking, and no analytics on how you use the app or on your finances. We only see anonymous purchase figures in RevenueCat, such as how many people subscribe.
• No location, contacts or photos access.
• We never sell or share your data.

App Lock and reminders

App Lock uses your phone's Face ID, fingerprint or passcode. That check happens in your phone's operating system; OyenWorth never receives biometric data. Monthly and maturity reminders are scheduled on your phone and contain no amounts (a maturity reminder shows the account's name).

Keeping and deleting your data

Your data stays on your phone until you delete it. Settings › Reset OyenWorth deletes everything; uninstalling the app does too. Because we hold no copy, we can't recover it for you — keep a backup if you need one. Emails you send us are kept only as long as needed to help you.

To delete your purchase record held by RevenueCat, email hello@oyenworth.com with the order number from your App Store or Google Play receipt. We delete the matching anonymous record within 30 days. Your payment records with Apple or Google stay with them, under their own policies.

Your rights

Depending on where you live — for example under the GDPR in the EU and UK, or state privacy laws in the US — you may have the right to access, correct or delete personal data we hold about you. Since your financial data never reaches us, you manage it directly in the app. For anything else, contact hello@oyenworth.com.

Children

OyenWorth is not directed at children under 13.

Changes

If this policy changes, we'll update this page and the date above.