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Dutch
User Data Policy Compliant

Privacy Policy

Application: Dutch•Last Updated: November 11, 2026

1. Introduction & Overview

This Privacy Policy governs the mobile application Dutch. Dutch is an offline expense divider and debt settlement tool.

Unlike online social payment apps, Dutch is built upon a Zero-Permission, Local-Only Architecture. We do not require accounts, we do not connect to bank accounts, we do not access your contacts list, and we do not collect or transmit financial transactions over the internet.

2. Information Collection and Processing

2.1 Zero Personal Financial Data Access: Dutch does not connect to Plaid, bank APIs, credit card accounts, or digital wallets. All financial numbers entered into the app are treated purely as mathematical quantities for division.

2.2 Zero Contact Book Access: Dutch does NOT request contacts permission. Participant names (e.g. “Alice”, “Bob”) are typed manually by you and stored strictly in internal device storage.

2.3 100% On-Device Local Storage: All event ledgers, expenses, and calculated debt settlement graphs are stored locally within your device's isolated application sandbox. No financial data is ever uploaded to a cloud server or transmitted off-device.

3. Device Permissions Policy

Dutch requests ZERO dangerous or user-facing permissions:

  • NO Internet Permission: No network access. The app is completely offline.
  • NO Contacts Permission: Zero address book scanning.
  • NO External Storage: Zero access to external photos, media, or files.
  • NO Location / GPS: Zero tracking of where meals or trips occurred.

4. Third-Party Services, SDKs & Advertising

Dutch is 100% free of advertising networks, commercial tracking pixels, and behavioral telemetry SDKs. There is no tracking of user purchases, expense sizes, or payment habits.

5. Data Retention & Deletion Policy

All expense entries and settlement records remain on your device as long as you have the app installed. You can delete all ledgers at any time by:

  1. Going to your device's Settings → Apps → Dutch → Storage → Clear Storage, or
  2. Uninstalling Dutch from your device, which permanently destroys the local database.

6. Children's Privacy (COPPA & GDPR-K Compliance)

Dutch complies fully with COPPA and GDPR-K. The app collects no personal information from children or adults.

7. Contact & Regulatory Inquiries

If you have questions regarding this Privacy Policy or Dutch, contact our privacy team:

EvenUp Operations - Dutch Privacy Team

Email: support@evenup.net