Unowe is built to keep your financial information private. Here is exactly what happens to your data.
Everything you enter — your income, expenses, loans, savings, monthly logs and plan — is stored only in your own browser, encrypted with a key derived from your password using AES-256-GCM. It is never transmitted to or stored on our servers. We cannot read it, and neither can anyone who gains access to the server.
Authentication is handled by Supabase Auth. The only things stored server-side are your email address, a one-way hash of your password, and an optional display name — the minimum needed to let you log in. No financial data is ever sent there.
If your email is confirmed, the app sends one reminder email per month nudging you to log your progress — nothing else. These are delivered by Resend and contain only your email address. Every email has an unsubscribe link, and you can also turn reminders off from inside the app at any time.
Your exported report PDF contains a copy of your plan data so you can move it between devices. Treat that file like a bank statement — anyone who has it can read it. Keep it safe.
The app loads no third-party fonts, scripts, analytics, or trackers — the typefaces are served from our own domain, and there are no cookies beyond the login session. We do not advertise, profile you, or sell or share your data with anyone. There are no ads.
You can wipe your on-device data at any time from the app (Logout → wipe, or "Wipe account data on this device"), turn off monthly reminders, or unsubscribe from any email. Deleting your account removes your Supabase auth record. Because your plan data is local, clearing your browser storage erases it — keep a PDF or JSON backup first (the app will remind you).
Security is treated as a first-class feature, not an afterthought.
No system is perfectly secure, and you remain responsible for protecting your own password, recovery key, and exported files. If you believe you've found a vulnerability, please report it privately (see Contact) rather than disclosing it publicly.
Unowe is an educational planning and calculation tool. It is not a registered investment adviser, is not SEBI-registered, and does not provide personalised financial, investment, tax, or legal advice. Nothing in the app is a recommendation to buy, sell, prepay, or hold any financial product.
Projections are estimates based on the numbers you enter and general assumptions (on-time EMIs, monthly deployment of surplus, illustrative long-term return rates). Real outcomes vary. Interest rates, fund NAVs, prepayment charges, lock-ins and tax rules change — always verify against your loan sanction letter, your bank, and current regulations, and consider consulting a qualified, fee-only professional before large decisions.
The tool is provided "as is," without warranties of any kind. To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of the tool or reliance on its outputs. You are solely responsible for your financial decisions.
Use the tool for your own lawful, personal financial planning. Don't attempt to attack, disrupt, or misuse the service or other users' access.
Questions about privacy, security, or these terms? Reach the operator of this deployment at the email associated with the project. This tool is operated independently and is not affiliated with Anthropic, Supabase, Cloudflare, Resend, or any financial institution mentioned.