Owemi: Debt & Credit Tracker

Owemi is your ultimate secure, completely offline personal ledger book designed to help you manually track debts, credits, supplied goods, and rendered services on credit with zero hassle.

Whether you lent cash to a friend, supplied wholesale inventory to a customer, or delivered a professional service on credit, Owemi keeps your records clean, organized, and at your fingertips.

Why Choose Owemi?
• 100% Secure & Local: Your privacy is our highest priority. All transactions, profiles, and security PINs are strictly hashed (using cryptographic SHA-256) and saved locally on your device. Zero external cloud servers, zero risk of data leaks.
• 1-Tap Google Drive Backup: Easily save your encrypted ledger records to your private Google Account AppData folder sandbox. Secure, private, and 100% under your control with zero developer access.
• Universal Translations: Enjoy a fully localized app experience! Owemi includes complete, app-wide translation support for 11 major global languages (including English, Spanish, French, Portuguese, German, Arabic, Chinese, Hindi, Russian, Japanese, and Italian).
• Broad Trackers: Manage not just liquid cash, but also records of physical goods supplied or professional services delivered on credit.
• Customized PDF Export: Export clean, professional transaction statements to PDF to share or back up locally. Personalize reports with your own custom name, and filter by debtors only, creditors only, or single contacts.
• Currency Exchange Calculator: Easily convert and record foreign transactions to your local home currency instantly.
• Due Date Reminders: Get automated local notifications before dates fall due so you never miss a collection or settlement deadline.
• Digital Receipts & Evidence: Securely attach invoices, contract photos, or payment receipts directly to individual ledger records.

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POLICY DISCLAIMER & SAFETY NOTICE:
Owemi is a personal and local digital record-keeping ledger designed strictly to help users manually track and organize their own casual transactions, credits, and debits. Owemi is NOT a financial institution and does NOT provide, facilitate, broker, or offer personal loans, micro-loans, line of credits, or any direct financial payouts. All transactions are logged entirely by the user on their own device.