Privacy Policy

1. Information We Collect

We collect information you provide directly when you create an account or use our services:

• Account Information: Name, email address, and password.
• Financial Data: Debt balances, interest rates, credit limits, payment history, and income information you enter manually.
• Usage Data: Pages visited, features used, and interaction patterns to improve our service.
• Device Information: Browser type, operating system, and device identifiers for security and compatibility.

2. How We Use Your Information

• Generate personalized debt payoff strategies and velocity banking recommendations.
• Sync your data securely across your devices.
• Send notifications about payment due dates, strategy updates, and account activity.
• Improve our AI models and user experience through anonymized, aggregated analytics.
• Comply with legal obligations and prevent fraud.

3. Data Security

Your financial data is protected with AES-256 encryption at rest and TLS 1.3 in transit. We use Supabase for secure authentication and database storage with row-level security policies that ensure only you can access your data. We conduct regular security audits and follow OWASP best practices.

4. Data Sharing

We do not sell, rent, or trade your personal or financial data. We may share limited information with:

• Service Providers: Cloud hosting (Vercel, Supabase), analytics, and email services that process data on our behalf under strict confidentiality agreements.
• Legal Requirements: When required by law, court order, or to protect our rights and safety.

5. Data Retention

We retain your data for as long as your account is active. If you delete your account, we remove your personal and financial data within 30 days, except where retention is required by law. Anonymized, aggregated data may be retained indefinitely for analytics purposes.

6. Your Rights

• Access: Request a copy of your stored data at any time.
• Correction: Update or correct inaccurate information via your Profile settings.
• Deletion: Request account and data deletion by contacting support.
• Portability: Export your financial data in standard formats.
• Opt-out: Disable notifications, email reports, and analytics tracking in your preferences.

7. Cookies & Local Storage

We use localStorage to persist your preferences (dark mode, tool settings) and cache financial data for faster loading. We do not use third-party tracking cookies. Essential cookies are used for authentication sessions only.

8. Changes to This Policy

We may update this policy periodically. Material changes will be communicated via in-app notification or email. Continued use of the service after changes constitutes acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy or your data, contact us at privacy@debtaipro.com.