How Unowe handles your data, and the terms you agree to by using it. In short: your financial figures never leave your device, and this is an educational tool rather than financial advice.
Unowe is built to keep your financial information private. Here is exactly what happens to your data.
Everything you enter — income, expenses, loans, savings, monthly logs and your 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.
You can import a statement (CSV or PDF) to help fill in your loans. The file is read and parsed entirely inside your browser — the PDF reader runs in a same-origin worker with no network access. The raw statement and your individual transactions never leave your device and are discarded once parsing finishes; only the summary figures it detects (recurring EMI-like debits) are kept, and only once you choose to add them, stored with the same on-device encryption as everything else. Nothing about the statement is uploaded anywhere.
Authentication is handled by Supabase Auth. The only things stored server-side are your email address, a one-way hash of your password, an optional display name, and a row recording whether you have paid — the minimum needed to let you log in and unlock the app. 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. Every email has an unsubscribe link.
Your exported report PDF, JSON backup and CSV each contain a copy of your plan data so you can move it between devices. Treat those files like a bank statement — anyone who has one can read it. Keep them safe.
Apart from the optional NAV lookup above, the app makes no outbound request to anyone but its own server and Supabase. It loads no third-party fonts, scripts, analytics, or trackers — 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. The public calculator pages (EMI, prepay-vs-invest, tax regime, credit-card payoff) need no login and run entirely in your browser — they store and send nothing.
You can erase your on-device data at any time from Settings → Delete on-device data & sign out, change your password, or issue a fresh recovery key. Because your plan data is local, clearing your browser storage erases it — keep a PDF or JSON backup first (the app prompts you before every logout).
Security is treated as a first-class feature, not an afterthought.
'self'), with no inline-script execution surface and no unsafe-inline or unsafe-eval anywhere. Framing, plugins and cross-origin form posts are blocked, and outbound connections are limited to our own domain and Supabase.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.
So that the terms below are read against what the software actually is, here is the current feature set. Everything listed runs in your browser on figures you enter.
Unowe requires a modern browser with JavaScript and local storage enabled. Because your plan is held in that browser's storage, it does not sync between devices or browsers — moving it is done by exporting a file and importing it on the other device. Private/incognito windows discard storage when closed. The public calculators work without an account; the planner requires one.
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, 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.
One-time access fee: ₹199 (INR, inclusive of any applicable taxes). Paying once unlocks Unowe for your account permanently — all current features and future updates. There is no subscription and no recurring charge. Demo mode remains free, and the public calculators are free and need no account.
Payments are processed by Razorpay (UPI, cards, netbanking, wallets) on Razorpay's PCI-DSS-compliant checkout. Unowe never sees or stores your card or bank details — we receive only a payment confirmation reference tied to your account.
Refund policy: if Unowe doesn't work for you, email us within 7 days of payment for a full, no-questions-asked refund to your original payment method (processed via Razorpay, typically 5–7 business days). After a refund, the account returns to unpaid status. To request one, contact the operator email below using the address you registered with.
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 Supabase, Cloudflare, Razorpay, or any financial institution mentioned.