Effective date: April 01, 2026

Last updated: 29 April 2026

Payback is a local-first mobile app for tracking everyday personal exchanges, expenses, reminders, bills, and backups. Your privacy is important to us. This Privacy Policy explains what information Payback handles, how it is stored, and what choices you have.

1. Overview

Payback is designed to work without requiring an account, login, backend server, or bank connection. Most of the information you enter in the app stays on your device.

Payback helps you track things such as:

• Money you gave or got
• Items you gave or got
• Personal and split expenses
• People, notes, photos, and optional phone numbers
• Recurring entries, recurring expenses, bills, and subscriptions
• Reminders
• Activity history
• Local and optional cloud backups

We do not sell your personal information.

2. Information You Add to the App

Payback may store information that you choose to enter, such as:

• Your display name
• Your profile photo, if added
• Country, currency, language, theme, and app preferences