IOU Privacy Policy

Effective Date: Aug 30, 2025

Last Updated: Aug 30, 2025

IOU Inc. (“IOU,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use the IOU mobile application (“App”). By using IOU, you agree to the terms outlined below.

1. Information We Collect

When you use IOU, we may collect the following types of information:

  • Account Information: such as your name, email address, username, and password.
  • User Content: any posts, messages, or expressions of gratitude you share on the platform.
  • Usage Data: information about how you interact with the app, including pages viewed, features used, and session activity.
  • Device Information: such as device type, operating system, app version, and IP address.

2. How We Use Your Information

We use your information to:

  • * Provide and maintain the IOU platform.
  • * Personalize your user experience.
  • * Enable community interactions and sharing of gratitude.
  • * Monitor and improve app performance and security.
  • * Communicate with you about updates, new features, or policy changes.

3. Sharing of Information

We do not sell or rent your personal information. We may share data only in these circumstances:

  • With service providers, that help us operate the app (e.g., hosting, analytics).
  • For legal reasons, if required to comply with law, regulation, or legal process.
  • With your consent, when you choose to share your posts publicly or connect with other users.

4. Data Retention

We retain personal information only for as long as necessary to provide the service or as required by law. You may request deletion of your account and associated data at any time.

5. Security

We use industry-standard measures to protect your data, including encryption and secure storage. However, no system is completely secure, and we cannot guarantee absolute security of your information.

6. Children’s Privacy

IOU is not directed to children under **14 years old**. We do not knowingly collect personal information from children. If we learn a child under 13 has provided data, we will delete it promptly.

7. Your Rights

Depending on your location, you may have the right to:

  • * Access, correct, or delete your personal data.
  • * Restrict or object to certain data processing.
  • * Request a copy of your data in a portable format.

To exercise these rights, please contact us at the email below.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted in the app with a revised “Effective Date.” Continued use of IOU indicates acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy, please contact us:

  • IOU Inc.
  • Email: Support@myiou.ca
  • Mailing Address: 128 Starhill Crescent Brampton L6R 2P8