Appsidio (“we”, “us”, or “our”) operates the Debt Free mobile application (the “App”).
This Privacy Policy explains what information the App accesses, how that information is handled, and what choices you have regarding your information.
By using the App, you agree to the practices described in this Privacy Policy.
1. Information You Enter
Debt Payoff Planner allows you to enter financial information used to create and manage your debt payoff plan, such as:
- Debt names and types
- Debt balances
- Interest rates / APR
- Minimum payments
- Payment amounts
- Payment history
- Payoff dates
- Extra payment amounts
- Currency preferences
- Debt payoff strategy
- Reminder preferences
This information is used to calculate and display your debt payoff plans, timelines, progress, estimated interest, and related financial projections.
2. Local Storage
Your debt information and app settings are designed to be stored locally on your device.
The App does not require you to create an account or provide information such as your name, phone number, or email address to use its core functionality.
Your locally stored information may include the debt and planning information you enter into the App.
3. Backup and Export
The App may provide functionality to export your plan as a backup file and import a previously created backup.
When you choose to export a backup, the resulting file is created on or made available through your device’s storage/sharing functionality.
When you import a backup, the information contained in that file may be added to the App on your device.
You are responsible for protecting any exported backup files and deciding where they are stored or shared.
4. Reminders and Notifications
The App may allow you to configure features such as:
- Payment due reminders
- Monthly check-in reminders
- Reminder times
These reminders are used solely to provide the reminder functionality you request.
5. How We Use Information
Information entered into the App may be used to:
- Calculate debt payoff schedules
- Estimate payoff dates
- Estimate interest costs
- Compare additional payment scenarios
- Track repayment progress
- Generate payoff timelines
- Display debt and payment information
- Provide reminders
- Store and restore your plan
6. Financial Information
Debt Payoff Planner is a planning and calculation tool.
The financial information you enter is used to generate estimates and projections based on the assumptions and inputs you provide.
The App does not provide personalized financial, investment, tax, legal, or other professional advice.
You should independently verify calculations and consult a qualified professional for decisions requiring professional advice.
7. Data Sharing
We do not sell your debt information.
Unless otherwise stated in this Privacy Policy, information you enter into the App is not intentionally shared by us with third parties for advertising or marketing purposes.
The App’s local debt information is intended to remain on your device unless you explicitly export or share a backup file or use another feature that requires information to leave your device.
8. Third-Party Services
The App may use third-party services for functions such as advertising, analytics, crash reporting, app distribution, or other technical services.
If third-party services are used in the version of the App you install, those providers may process certain technical information according to their own privacy policies.
Currently applicable third-party services should be listed below:
Google AdMob may process information such as device information, advertising identifiers, IP address, and advertising interaction data to provide and measure advertisements.
Google’s privacy policy is available at:
https://policies.google.com/privacy
Analytics / Crash Reporting
The App may use Firebase Analytics and/or Firebase Crashlytics to understand app usage and diagnose technical issues. These services may collect technical information such as device information, app events, diagnostics, and crash information.
Firebase Privacy Information:
https://firebase.google.com/support/privacy
9. Data Security
We take reasonable measures to protect information handled by the App.
However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.
You are responsible for protecting your device and any exported backup files.
10. Data Retention
Information stored locally by the App generally remains on your device until you:
- Delete it within the App, where applicable
- Clear the App’s data through Android settings
- Uninstall the App
- Replace or reset your device
Exported backup files remain wherever you choose to store or share them and are subject to the security and retention practices of those storage or sharing services.
11. Your Choices
You can control your information by:
- Editing or deleting debt information within the App
- Adjusting reminder settings
- Exporting your plan for backup
- Importing a previous backup
- Resetting app data where the App provides that option
- Clearing the App’s data through Android settings
- Uninstalling the App
12. Children’s Privacy
Debt Payoff Planner is not specifically directed toward children.
We do not knowingly collect personal information from children through the App.
If you believe that a child has provided personal information to us, please contact us so that we can take appropriate action.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
When we make changes, we will update the “Last updated” date at the beginning of this Privacy Policy.
We encourage you to review this page periodically.
14. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or the App, please contact us:
Developer/Company: Appsidio
Email: contact@appsidio.com
App: Debt Free