Debt Payoff · Privacy Policy

Effective date: October 2026

Short version: Debt Payoff does not collect any data. There are no accounts, no ads, no analytics, and no tracking of any kind. Your debt data stays on your device.

What we collect

Nothing. Debt Payoff has no server, no account system, and no third-party SDKs. We cannot see your debts or balances, and no one else can either.

Purchases

Debt Payoff offers an optional one-time Pro upgrade purchased through Apple's App Store. The purchase is handled entirely by Apple. We never see, receive, or store your payment details, Apple ID, or any transaction information.

Where your data lives

• Your debts, balances, payments, and payoff plans are stored locally on your device, in the app's private storage.
• Any data that ever leaves the app does so only because you actively export or share it yourself.

Permissions

• Notifications: used only for the optional payment reminders you set up. Processed entirely on your device.
• No other permissions are requested. The app does not access your photos, contacts, location, or any other data.

Children

The app collects no data from anyone, including children.

Changes

If this policy ever changes, this page will be updated and the effective date above revised.

Contact

Questions about this policy: 48138400@qq.com