Privacy Policy & Terms of Service

What we collect

• Your email address and name when you sign up
• Debt records you create (names, amounts, due dates, notes)
• Borrower emails you enter for agreement links
• Payment information (card details) processed securely via PayMongo for premium subscriptions

How we use it

• To run the app and sync your data across devices
• To send debt agreement links and payment reminders on your behalf
• We do not sell your data to anyone, ever

Third-party services

• Supabase — database and authentication
• Resend — transactional email
• Vercel — app hosting
• PayMongo — payment processing

Data security

Your data is stored securely on Supabase servers. We use industry-standard encryption in transit and at rest.

What PaMeLa is

PaMeLa is a personal debt tracking tool. It helps you record debts and send reminders. It is not a lending service, bank, or financial institution.

Your responsibilities

• You are responsible for the accuracy of the debt records you create
• Do not use PaMeLa to harass or threaten borrowers
• You must be 18 years or older to use this app

Premium subscription

• ₱79/month, billed monthly
• A 30-day free trial is available. You must opt in and provide a valid card. Your card will be charged ₱79 after the trial ends unless you cancel beforehand.
• You can cancel anytime via the Subscription section in your Profile
• No refunds for partial months

Changes to these terms

We may update these terms from time to time. Continued use of the app after changes means you accept the updated terms.

Limitation of liability

PaMeLa is provided as-is. We are not liable for any disputes between lenders and borrowers arising from use of the app.