Privacy policy

Effective date: 7 September 2026

Kowope Creditbook is a bookkeeping app for merchants who record credit they extend to their own customers. This policy explains what data we collect, how we use it, and how long we keep it.

Kowope does not lend money. We never sell your data, and we do not use your ledger for advertising.

Your book is copied to our servers. When you verify your phone number, Kowope starts sending the records you write to our servers, beginning with the first one. This includes your customers’ names and their phone numbers where you record them.

This happens on every account. It is not something you switch on, and it does not depend on paying us. A plan changes one thing: it lets you move your book to a new phone. It does not change what we hold.

Who we are

The app and this website are operated by the Kowope Creditbook team. You can reach us at support@creditbook.co.

What data we collect

Account details: Your phone number, which you use to sign in, plus your shop or business name and identifiers for the phone you use. We use your phone number to create your account and to send you a one-time code when you sign in.
Your ledger records: The customer records and credit entries you create. For each customer: the name you type and the phone number, if you record one. For each entry: whether it is credit or a payment, the amount, anything you write in the “What’s this for?” field, and the time it was recorded. Your phone keeps its own copy, so the app works with your data switched off. We hold a copy on our servers as well, as described above.
Contacts: With your permission, the app can read names and phone numbers from your device contacts to suggest customers as you type. The matching happens on your device. We only read contacts after you accept an explanation in the app and grant permission, and the contacts feature is switched off by default. When you pick a suggestion, the name and number you chose are saved in your ledger like any detail you type yourself.
Sign-in codes: When you ask for a one-time code, we record the phone number you asked for, the internet address the request came from, and a scrambled copy of the code. We use these to check the code you type and to stop people flooding the service with requests. We never store the code itself.
Subscription information: Your Google Play purchases and subscription status. Google Play handles the payment; we receive a purchase token so we know your plan is active.
Records of the plan screen: When you try to move your book to a new phone and you need a plan to do it, we record that this happened, which shop it was for, and the two figures the screen showed you: how many customers are in your book and the total they owe. We use these counts to see how often people meet that screen.
Technical and fraud-prevention data: Device identifiers and service logs used to keep accounts secure and to detect abuse. When something needs our attention, our team receives an alert that can contain account identifiers such as a phone number. We do not put ledger contents in these alerts.

How we use your data

to create your account and sign you in
to hold a copy of your ledger on our servers
to put your book on a new phone when you move to one
to suggest customers from your device contacts, if you turn this on
to confirm and manage your subscription
to keep the service secure and prevent fraud
to count how the app is used, so we can improve it
to find and fix problems

Information about your customers

Your ledger records include details about your customers, such as their names and phone numbers. Your customers do not use the app and have not agreed to our terms. You decide what to record about them, so you are responsible for recording their details lawfully. Their records reach our servers with the rest of your book.

We do not contact your customers, and we do not use their details for anything except holding your book for you.

When you delete your account, your customers’ records are deleted with it, on the timetable below. If one of your customers asks us to remove their details, we will ask them to speak to you, because your book is yours and you decide what it holds. You can also reach us at support@creditbook.co.

How we measure the service

Once a week we send ourselves a report on how the app is being used. It holds counts and totals only — for example, how many merchants finished signing in that week. It carries no names, no phone numbers, and no internet addresses. It goes to one address inside an encrypted file.

Sharing your data

We share data only with the providers we need to run the service:

Google Play, which processes subscription payments under its own privacy policy
hosting and database providers, which store the copy of your ledger
messaging providers, which deliver your one-time sign-in code to your phone
alerting services, which deliver service alerts to our team
an email provider, which carries the weekly report described above

We may also share data where the law requires it. We do not sell your data. We do not share your ledger with anyone except as needed to hold it for you.

How long we keep your data

We keep your account and ledger data while your account is active. When you ask us to delete your account, this is what happens:

Your account is marked for deletion and you get a 30-day grace period. You can change your mind at any point in those 30 days by signing back in.
After 30 days, we remove your personal details: your phone number, your business name, and your device identifiers.
Seven days after that, your ledger records are permanently deleted from our servers. This includes your customers’ names and phone numbers, every entry you recorded against them, and the records of the plan screen described above.

After deletion we keep some records for legal and financial reasons: payment and subscription history, and commission, withdrawal, and fraud-prevention records. Backups and logs can also hold data for a limited period until their retention windows end.

Deleting your account

You can delete your account from inside the app: open Account, then tap Delete account. See delete your account for the full steps and the timeline.

Children

Kowope Creditbook is for adults running a business. We do not direct the app at children, and we do not knowingly collect data from children.

Changes to this policy

We update this page when our data handling changes. The effective date at the top shows when this version took effect.