Debt Payoff Planner - Privacy Policy

Our Data Handling & Privacy Policy

Debt Payoff Planner is a financial utility that helps you plan and track your debt payoff journey. To protect your privacy, we adhere to strict data-handling practices:

• • Local Processing: All debt payoff calculations are performed locally on your device. No debt balances, payment amounts, or financial details are ever transmitted to or stored on our servers.
• • No Account Required: We do not collect your name, email, phone number, or any other personally identifiable information.
• • Third-Party Advertising: To keep this tool free, we use Google AdMob to serve ads. AdMob may collect anonymous device identifiers, IP addresses, and generalized location data to serve relevant advertisements. Users in regulated regions (such as the EU/UK and specific US states) will be presented with a Consent Management Platform (CMP) to manage these preferences.
• • Fraud Prevention: To protect our advertising partners from invalid traffic, we may process one-way hashed (anonymized) device tokens. This strictly ensures system integrity and cannot be reverse-engineered to identify you or tied to your specific debt payoff inputs.

How the App Works

Debt Payoff Planner uses proven debt payoff strategies (such as the snowball and avalanche methods) to help you create a personalized plan for becoming debt-free. Your input data never leaves your device.

When you close the app or reset the planner, all entered data is cleared. We do not maintain any databases or storage systems that contain your personal or financial information.

Legal & Accuracy Disclaimer

The calculations provided by Debt Payoff Planner are estimates based on general financial planning principles and should be used for educational and informational purposes only. Interest rates, payoff timelines, and debt strategies vary based on individual circumstances and financial conditions. This app does not constitute financial advice. For personalized financial guidance, please consult with a qualified financial advisor or credit counselor. We are not responsible for any financial decisions made based on the app's results.

Use of Content

The Debt Payoff Planner app and its planning tools are provided for your personal and non-commercial use only.

Warranty and App Updates

The app is provided "as-is" without any warranty. We may update the app from time to time to provide new features, improve payoff calculation accuracy, or fix bugs. These updates will not change our core privacy commitment; we will never extract your financial inputs.

Changes to This Privacy Policy

We reserve the right to update this policy to clarify our practices or to comply with legal and App Store requirements. Any changes will be posted on this page. By using the Debt Payoff Planner app, you agree to this privacy policy.

Contact Us

If you have any questions or concerns about our privacy practices, please contact us at: