You Owe Me – Freelancer: Privacy Policy

Last updated: 10 November 2026

You Owe Me – Freelancer ("the app", "You Owe Me" for short) is made by GT Studios LLC, a Texas limited liability company. It helps freelancers and teachers keep track of sessions, clients, invoices and payments. This policy explains what the app does with your information. The short version: your data stays with you.

What the app stores

Everything you enter (clients, sessions, prices, payments, invoices, notes, photos, recordings, expenses) is stored on your device. If you are signed in to iCloud, the app also keeps a copy in your private iCloud database so that your iPhone, iPad and Mac show the same data. That database belongs to your Apple account; the developer cannot read it. Your settings (prices, currency, payment methods, which calendar events belong to which client, and the like) sync between your devices the same way, through your iCloud account's key-value storage.

The app has no accounts of its own, no servers of its own, and no analytics or advertising libraries. The developer receives none of your data.

What the app asks permission for, and why

• Calendars (read only): to import your lessons and bookings from the calendars on your device that you choose. The app never changes or deletes calendar events.
• Google Calendar, if you sign in with Google (optional): instead of pasting an address, you can sign in to your Google account in Google's own sign-in page and choose calendars. The app asks Google only for permission to read your calendars (the calendar.readonly scope) and for your email address, which it shows so you know which account is signed in. It reads the events of the calendars you choose, straight from Google to your device, to import your sessions; it never changes, creates or deletes anything in your Google account. The sign-in token is kept only in your device's Keychain and is sent only to Google. Your Google data is not sent to the developer or anyone else, not used for advertising, not sold, and not used to train AI models. Signing out in the app (or using Settings ▸ Your Data & Privacy ▸ Erase All Data) deletes the token from the device and asks Google to end the app's access; you can also remove access at any time at myaccount.google.com/permissions. The app's use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.
• Calendars added by address (no permission): if you paste a calendar's private address (for example Google Calendar's "secret address in iCal format"), the app downloads that calendar directly from its provider to import your sessions. The address is kept only in your device's Keychain and is never sent anywhere else.
• Contacts: no access needed. When you pick a contact for a client or a payer, the system's contact picker hands over only that one contact's name, phone and address.
• Camera: to take a photo for a lesson note or a receipt, and to scan a QR code for a pay link.
• Photos: no access needed. The system's photo picker hands over only the photos you pick.
• Microphone: to record a short audio clip for a lesson note.
• Face ID / Touch ID: to lock the app, if you turn that on.
• Notifications: for the reminders you set up.

Each permission is optional; the app works without it.

What leaves your device, and only when you choose

Invoices, statements, receipts, lesson notes and month summaries are sent through the apps you pick (Messages, Mail, WhatsApp, the share sheet). Pay links open the payment app you set up. A backup file you export (Settings ▸ Backup File) goes wherever you save or send it. Apart from syncing with your own iCloud (above), the automatic backups if you turn them on (below) and reading calendars you added by address or through Google sign-in, the app does not send anything on its own.

Ask (Apple Intelligence on your device)

On devices with Apple Intelligence, you can ask questions about your business in the app ("Who owes me money?"). The answers are worked out by Apple's language model running on the device itself, which looks up your records in the app. The app uses only the on-device model: your questions and records are not sent to Apple, to the developer, or anywhere else.

Automatic backups (off unless you turn them on)

In Settings ▸ Backup ▸ Automatic Backups you can have the app save a backup of everything once a day, when you open it. Nothing is saved until you turn this on.

• Where. In the "You Owe Me" folder of your own iCloud Drive, or only on the device if you choose (or while iCloud Drive is off for the app). Lesson photos, recordings and receipts go in weekly by default; you can choose every backup or never. If iCloud Drive doesn't take a backup (most often because your iCloud storage is full), the app tells you; until it does, that backup is only on the device.
• Encrypted on your device. Each backup is encrypted (AES-GCM, 256-bit) before it is written, with a key kept in your iCloud Keychain, which Apple end-to-end encrypts and shares only with your own devices. Without that key a backup can't be read, by Apple or by anyone who gets hold of the file. If iCloud Keychain is off, the key stays on the device that made it, and only that device can open its backups.
• The developer never receives your backups or the keys. They go only to your iCloud Drive and iCloud Keychain, or stay on the device.
• How long. One backup a day is kept for the last week, one a week for the last month, then one a month for the time you choose (1 month, 3 months or 1 year); older ones are deleted automatically. Only the newest five of these keep photos, recordings and receipts; older ones keep just the records (safety copies, and backups kept after a sudden loss of data, keep theirs). While backups are being made, those of the last seven days you used the app are kept whatever their age, so a long break never deletes the whole history at once. A safety copy made just before a restore replaces everything is kept for 30 days. If a backup finds much less data than the one before, the older backups are kept until your data is back, you confirm the change was yours, or you restore one; a restore that doesn't finish keeps the backup it came from until you finish it or dismiss the notice. Turning automatic backups off stops new ones; the ones already saved are still deleted as they pass the time you chose, and you can delete them yourself at any time.
• Deleting them. Automatic Backups ▸ Delete All Backups removes every automatic backup from iCloud Drive and this device, and you can delete single backups there too. Backups another of your devices keeps only on itself stay there until you delete them on that device. Backups in iCloud Drive from a device of yours that stopped making them more than 400 days ago are deleted by your other devices.

Third parties

None. No data is sold, shared or transferred to third parties. Apple's iCloud is used only as your personal storage, under Apple's privacy policy. If you sign in with Google, the app talks to Google only to read the calendars you chose, as described above.

Children

The app is for adults running a business. It records the names of students that a client (typically a parent) provides; those names stay in the client's records on the user's device and iCloud, and in the user's automatic backups if they are turned on, as above.

Your clients' data, and data-protection law (GDPR, UK GDPR and similar)

The developer is not a controller or processor of anything you enter: none of it reaches the developer. When you keep details about your own clients and students, you are the one responsible for them under laws like the GDPR, and the app is built to make that easy:

• Only what you need. A client needs just a name. Phone, email, address, notes, photos and recordings are all optional, and no permission is required to use the app.
• Access and portability. On a client's page, Export Their Data makes one file with everything kept about that client, in a standard, readable format (JSON).
• Erasure. Delete Client removes a client with their sessions, notes, lesson notes, photos and recordings from the app, and from your automatic backups a day later, so a backup can still bring back a client deleted by mistake. Expenses you recorded for them stay in your books, notes and receipts included, only no longer linked to the client: edit them if they name the client. For a client with payments or invoices, Erase Personal Details removes their name, contact details, notes, lesson notes, photos, recordings and upcoming sessions, and the notes and receipts of expenses recorded for them. It keeps only the amounts, dates and invoices already issued, which tax law usually requires you to keep; it also erases those details from your automatic backups, a few seconds after the Undo option has passed. A backup that can't be opened yet (for example because it isn't downloaded) is updated later. Each of your devices updates the backups it made the next time the app opens there; those in iCloud Drive from a device that has made none for a month are updated by your other devices. To reach your other devices, while any of them keeps automatic backups, each erasure is passed through your iCloud account's key-value storage as a random id and a one-way fingerprint of the client's name (never the name itself), and kept there for 400 days. Backup files you exported yourself are never changed.
• Consent for recordings. Record lessons or take photos only with the student's permission, and a parent's for children.
• Security. Data on the device is protected by the device's encryption and passcode; the iCloud copy is protected by Apple (end-to-end encrypted if you turn on Advanced Data Protection). Automatic backups are encrypted as described above. You can also lock the app with Face ID, Touch ID or your passcode.
• Retention. Everything stays until you delete it. Sessions that disappeared from your calendar are held for the number of days you choose, then removed. Automatic backups are kept for the time you choose, as described above.

Apple may share anonymous crash reports and usage statistics with developers, but only if you allow it in your device's settings (Privacy & Security ▸ Analytics & Improvements). These never include what you entered in the app.

Deleting your data

Delete a client, session or invoice in the app. To delete everything, use Settings ▸ Your Data & Privacy ▸ Erase All Data in the app: it removes all of it from the device and from iCloud on all your devices, and resets the settings. It asks whether your automatic backups go too: if they do, every automatic backup in iCloud Drive and on this device is deleted, with the backup keys and the erasures passed between your devices (backups another device keeps only on itself stay until you delete them there); if you keep them, you can restore one later, and erasures still on their way to them stay too. Deleting the app removes the copy on that device only; the iCloud copy can also be deleted under Settings ▸ Apple Account ▸ iCloud ▸ Manage Storage. Automatic backups in iCloud Drive stay when the app is deleted: delete them first with Delete All Backups, or afterwards in the Files app (iCloud Drive ▸ You Owe Me) or under Manage Storage.

Because the developer holds no data about you, there is nothing for the developer to look up, correct or delete; you have direct control over all of it.

Contact

Questions: support@gtstudios.dev