What is the IOU - debt manager application, how does it work?

According to the introduction of S. Tubin, IOU - debt manager is a Finance app on the Android platform. There is currently a 4.56a version released on May 03, 2018, you can see the details below.

IOU (I owe you) is a debt manager app for things and money. Save your money by keeping record of all personal debts, credits, bills and loans in this single app. IOU is simple enough to be used on the go by coworkers or roommates with shared expenses, and powerful enough to be a good assistant for freelancers and small businesses.*

★2nd place in finance category of Best App Ever Awards 2013 (http://www.bestappever.com)★

★The only debt manager app that syncs to web (http://ioutool.net), Android, iOS and Windows apps★

Features:
• Borrow/lend things and money
• Payback with partial payments
• Credit payoff date
• Settled debts and payments history
• Cloud sync, share debts
• Custom currencies
• Automatic email reminders
• Totals for debtors
• 3 views: who owes you, who you owe, debtors

Pro features (available with in-app purchase):
• Notifications for overdue debts and payments
• Backup/restore data
• Recurring debts, periodic payments
• Password or fingerprint (Android 6.0+) protection
• Attach a photo to debt
• Manual Email and SMS reminders, customizable templates
• Readable CSV export

For any questions, issues and suggestions please write to [email protected]. If you like the app, please support it by rating and leaving a review!

*IOU is not intended and should not be used for storing any sensitive data.

What's new in version 4.56a Fixes