Privacy Policy

Introduction

Debtalyst ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application and website at debtalyst.com.

By using Debtalyst, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Account Information

When you create an account, we collect your email address and an encrypted version of your password. We use this to identify your account and provide our services.

Financial Planning Data

To provide our planning features, we store the information you enter, including:

• Debt names, balances, interest rates, and minimum payments
• Income sources and amounts
• Bill names, amounts, and due dates
• Your preferences and settings

Usage Data

We may collect information about how you access and use the app, such as device type, operating system, and app usage patterns. This helps us improve the app.

Information We Do NOT Collect

Debtalyst is a planning tool where you manually enter summary information. We never connect to your bank accounts.

How We Use Your Information

We use the information you provide to:

• Create and manage your account
• Generate your personalized payoff plans and projections
• Sync your data across devices
• Send important account notifications
• Improve our app and develop new features
• Provide customer support

Data Storage & Security

Your data is stored on secure servers with industry-standard encryption. We use secure protocols for data transmission and implement appropriate security measures to protect against unauthorized access.

Passwords are hashed using strong cryptographic algorithms and are never stored in plain text.

Data Sharing

We Do Not Sell Your Data

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

When We May Share Data

We may share your information only in limited circumstances:

• With service providers who help us operate the app (hosting, email delivery) under strict confidentiality agreements
• When required by law or to respond to legal process
• To protect our rights, privacy, safety, or property
• In connection with a merger or acquisition (with notice to you)

Your Rights

You have the right to:

• Access your personal data stored in the app
• Correct inaccurate information through the app
• Export your data
• Delete your account and all associated data

To delete your account, go to Settings, then Account, then Delete Account. This action permanently removes all your data from our servers.

Children's Privacy

Debtalyst is not intended for use by children under 13 years of age. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice in the app or sending you an email. Your continued use of the app after changes are posted constitutes acceptance of the updated policy.