Privacy Policy

Last updated: October 21, 2026

Overview

Overo ("we", "our", or "the app") is a personal finance tracking tool operated by JL Service Works LLC, a Florida company. We are committed to protecting your privacy and handling your data responsibly. This policy explains what we collect, how we use it, and your rights.

Data We Collect

We collect the following information when you create an account and use Overo:

• Full name and email address (and, if you sign in with Google, the name, email address and profile picture your Google account provides)
• Monthly income and pay schedule
• Bills, subscriptions, and recurring expenses
• Debt balances and savings goals
• Transaction records you manually enter
• Mortgage, rental, and asset records, including property photos you choose to add
• Receipt photos, if you use the receipt scanner
• A profile picture, if you choose to add one

We do not connect to your bank accounts or access your real bank data in any way. All financial data is entered manually by you. This is intentional, and it is core to how Overo works.

How We Store Your Data

Your data is stored securely in the cloud using Supabase, so it stays in sync and accessible across every device you use Overo on. Your data is encrypted in transit (TLS) and at rest. Each account's data is separated so that other users cannot access it. We do not store your password directly. Sign-in is handled securely through Supabase Auth, or through Google Sign-In if you choose to use your Google account.

Photos and Camera Access

If you use the receipt scanner, add a profile picture, or add a photo to a mortgage, rental, or asset record, Overo requests access to your camera and/or photo library to let you take or select that photo. Photos you add are uploaded to secure cloud storage and are only used to display within your own account.

App Lock (Biometrics & PIN)

If you enable Face ID, fingerprint unlock, or a PIN to lock the app, that authentication is handled entirely by your device's own operating system. Overo never receives, stores, or has access to your biometric data. Your device simply tells the app "unlocked" or "locked."

Notifications

If you allow notifications, Overo may remind you about upcoming bills and subscription renewals. You can turn notifications off at any time in your device settings.

How We Use Your Data

Your data is used only to provide the features of Overo:

• Displaying your financial dashboard and budget summaries
• Tracking bills, subscriptions, and upcoming due dates
• Calculating net worth, debt payoff timelines, and savings progress
• Generating reports based on your entered transactions

We do not use your data for advertising, profiling, or any purpose unrelated to the app.

Subscriptions and Purchases

Overo Pro purchases are processed by the Apple App Store or Google Play. We never see or store your payment card details. We use RevenueCat to manage subscription status, which receives an account identifier and your purchase status so the app can unlock Pro features.

Data Sharing

We do not sell, rent, or trade your personal or financial data, and we do not share it for advertising. We rely on a small number of service providers to run the app: Supabase (cloud database, authentication and file storage), Google (only if you choose Google Sign-In), and RevenueCat (subscription status). They process data only to provide those services to us.

Account Deletion

You may delete your account at any time from the Settings screen in the app. When you delete your account, all data associated with it, including your profile, financial records, photos and transaction history, is permanently removed from our database. This action cannot be undone. If you cannot access the app, email support@overoapp.com from the address on your account and we will delete it for you. See also how to delete your account.

Children's Privacy

Overo is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can remove it.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected in the "Last updated" date at the top of this page. Continued use of the app after changes constitutes acceptance of the updated policy.

Contact

Questions, concerns, or requests about your data or this policy: support@overoapp.com