Privacy policy

Effective date: 30 August 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.

Who we are

The app and this website are operated by the Kowope Creditbook team. You can reach us at the support email address listed on our Google Play listing.

What data we collect

Account details: Your phone number, which you use to sign in, plus your shop or business name and device identifiers. 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, including customer names, phone numbers, and repayment history. Recording works offline and is stored on your phone. If you subscribe to cloud backup, these records are copied to our servers so they survive a lost, stolen, or broken phone.
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.
Subscription information: Your Google Play purchases and subscription status for paid cloud backup. Google Play handles the payment; we receive a purchase token so we know your backup is active.
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 store and back up your ledger
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 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.

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 your backed-up ledger
alerting services, which deliver service alerts to our team

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 store and back it up 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.

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 Profile, 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.