Utang is a personal loan ledger operated by Sabinex Apps. You can use the ledger without signing in.
On your phone
Utang stores the borrower names, loan amounts, interest terms, dates and payments you enter. It uses them to calculate balances and statistics, show upcoming interest and prepare receipts. If you allow reminders, your phone can display loan information in notifications. The home screen widget shows dates and counts.
Google Drive backups
On Android, you can choose a Google account and allow Utang to use Drive backups. Utang uses the account address selected on your phone and reads a Drive account identifier to keep backups connected to the right account. The app stores the account and folder connection on your phone and uses authorization from Google through Play services.
Utang requests the drive.file permission in Google Drive. It uses that permission to create or find its private Utang Backups folder, upload your ledger and check backup file metadata. It removes older automatic copies created by this installation after a new copy is confirmed, keeping the three most recent successful copies when cleanup finishes. It does not scan the rest of your Drive or use Drive data to make lending decisions.
Backups go directly from your phone to your Google Drive. Sabinex Apps does not receive your ledger or Drive data on its own servers, sell it, or use it for ads. Our use of information received from Google APIs follows the Google API Services User Data Policy, including its Limited Use requirements.
iCloud, exports and receipts
If you turn on iPhone backups, Utang saves copies in the iCloud Drive folder you select. If you export a backup or share a receipt, the recipient or app you choose can receive the information in that file. Current backup files have no backup password; anyone with access to a copy can read it. Keep the folder private and share files only with people you intend to receive them.
Your choices
You can correct or delete entries in the app, turn off backups in the Cloud backup section of Backup, or revoke Drive access for Utang in your Google Account connections. Turning backups off or revoking access leaves existing copies in your cloud storage. You can delete those copies through Google Drive or iCloud Drive. Delete exported or shared copies from their destinations separately, where you control them.
Contact Sabinex Apps at support@sabinex.app.