Privacy Policy

We collect information to provide and improve our services. This includes:

Information You Provide Directly

• Account Information: Name, email address, and profile picture when you create an account.
• Onboarding & Budget Data: Your answers to our onboarding questions, including income, goals, stress levels, and budget details.
• Feedback & Communication: Information you send us directly, such as feedback, support requests, or other communications.

Financial Information

• Debt & Payment Information: Details about your debts (name, balance, interest rate, minimum payment) and any payments you log in the app.

Information We Collect Automatically

• Usage Data: Information about how you interact with our Site and Service, such as features used, pages viewed, interaction events, and timestamps of your activity.
• Analytics: We use third-party analytics tools, including Mixpanel, to collect and analyze usage information to understand how users interact with the Service and to improve functionality and performance.
• Session Replay and Screen Recording: We may use session replay or screen recording technology to better understand how users navigate and interact with the Service. These recordings may capture interactions such as mouse movements, clicks, scrolling, and page navigation.
  Financial information and form inputs are masked or excluded from recordings, and we do not intentionally collect sensitive personal or financial data through session replay technology. Session recordings are used solely for debugging, usability analysis, and product improvement purposes.
• Device & Technical Information: IP address, browser type, operating system, device identifiers, and other technical data.
• Cookies & Similar Technologies: We use cookies and similar technologies to operate and administer our Site, gather usage data, and improve your experience.

We use the information we collect to:

• Provide, operate, and maintain our debt management services.
• Calculate personalized debt payoff strategies and budget recommendations.
• Personalize your experience and track your progress.
• Communicate with you, including sending service-related updates and responding to support requests.
• Analyze usage to understand trends, diagnose issues, and improve our services and user experience.
• Maintain the security and integrity of our platform and prevent fraud.
• Comply with legal obligations and enforce our terms.

We do not sell your personal information. We may share your information in the following limited circumstances:

• Service Providers: We work with trusted third-party vendors for services such as cloud hosting (Supabase), database management, analytics, and monitoring. These providers process information on our behalf and only have access to the data necessary to perform their services in accordance with contractual confidentiality and security obligations.
• Legal Requirements: We may disclose your information if required by law, subpoena, or other legal process, or if we have a good-faith belief that disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
• With Your Consent: We may share your information for other purposes with your explicit consent.
• Aggregated or Anonymized Data: We may share aggregated or anonymized data that cannot reasonably be used to identify you, for research, analytics, or statistical purposes.

We implement commercially reasonable technical and organizational measures to protect your information from unauthorized access, use, or disclosure. These safeguards include:

• Encryption for all financial data transmitted to and from our services.
• Secure data storage.
• Regular security audits and system updates.
• Limited and logged access to personal information by our team.

However, no security system is impenetrable. We cannot guarantee the absolute security of your information.

We retain your personal information for as long as your account is active or as necessary to provide our services. We may also retain information as required to comply with legal obligations, resolve disputes, and enforce our agreements. You may delete your account at any time, subject to applicable legal retention requirements.

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you.
• The right to correct inaccurate information.
• The right to delete your personal information.
• The right to data portability (receive a copy of your data).
• The right to opt out of non-essential communications.

To exercise these rights, please contact us using the information below.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it.

Your information may be transferred to and processed on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our services, you consent to these transfers.

We may update this Privacy Policy from time to time. We will notify you of changes by posting the updated policy on this page and updating the "Last Updated" date. We may also notify you via email or through a notice on our Site.

If you have questions about this Privacy Policy or how we handle your data, please contact us at:

Jack@DebtDriver.com

We aim to respond to all privacy-related inquiries within 48 hours.