Privacy Policy

DebtGo ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, and your rights regarding that data.

1. Information We Collect

We collect the following types of information:

1.1 Account Information

• Email address — used for account creation, authentication, and communications
• Display name — optional, for personalization
• Authentication data — encrypted password hash or OAuth tokens (Google Sign-In)

1.2 Financial Data You Enter

• Debt names — labels you assign to your debts (e.g., "Chase Visa")
• Debt balances — current amounts owed
• Interest rates (APR) — for payoff calculations
• Minimum payments — monthly payment amounts
• Credit limits — for credit utilization tracking (optional)
• Payment history — payments you log within the app
• Debt categories — type classifications (credit card, auto loan, etc.)

1.3 Usage & Analytics Data

• Pages visited and features used
• Session duration and interaction patterns
• Device information — browser type, operating system, screen size
• IP address — for security and approximate geographic location
• Referral source — how you found DebtGo

1.4 Payment Information (Subscribers)

• Subscription status — whether you have a paid plan
• Payment processor data — Stripe handles all payment processing. We receive confirmation of successful payments but do NOT store your credit card numbers, CVV, or full payment details.

2. Cookies & Tracking Technologies

DebtGo uses the following cookies and tracking technologies:

You can disable non-essential cookies in your browser settings, though this may affect some features.

3. Third-Party Services

We use the following third-party services to operate DebtGo:

4. How We Use Your Information

We use your information to:

• Provide core functionality — calculate payoff plans, track progress, sync across devices
• Authenticate your account — secure login and session management
• Process payments — manage subscriptions through Stripe
• Send service communications — password resets, payment receipts, important updates
• Improve the service — analyze usage patterns to fix bugs and add features
• Prevent fraud — detect and prevent unauthorized access
• Comply with legal obligations — respond to lawful requests

5. Data Sharing

DebtGo does NOT sell your personal information.

We may share data only in these limited circumstances:

• Service providers — only as necessary to operate (Firebase, Stripe, Cloudflare)
• Legal requirements — when required by law, subpoena, or court order
• Safety — to protect the rights, property, or safety of DebtGo, our users, or others
• Business transfers — in connection with a merger, acquisition, or sale of assets (you would be notified)

6. Data Security

We implement industry-standard security measures:

• Encryption in transit — all data transmitted via HTTPS/TLS
• Encryption at rest — data stored in Firebase is encrypted
• Secure authentication — Firebase Auth with optional Google Sign-In
• Access controls — limited access to production systems
• Regular security updates — dependencies and infrastructure kept current

No system is 100% secure. We cannot guarantee absolute security but take reasonable precautions to protect your data.

7. Data Retention

• Active accounts — data retained while your account is active
• Deleted accounts — data permanently deleted within 30 days of account deletion request
• Analytics data — aggregated, anonymized data may be retained indefinitely for service improvement
• Legal requirements — some data may be retained longer if required by law

8. Your Rights & How to Request Data Deletion

You have the following rights regarding your personal data:

Additional Rights (depending on your jurisdiction):

• Access — request a copy of your personal data
• Correction — request correction of inaccurate data
• Portability — receive your data in a machine-readable format
• Restriction — request limitation of processing
• Objection — object to certain processing activities

To exercise any of these rights, contact us at debtgo.web@gmail.com.

9. Push Notifications

With your explicit consent, DebtGo may send push notifications for:

• Payment reminders and due date alerts
• Progress updates and milestone celebrations
• Important account and service updates

You can enable or disable push notifications at any time in your Account Settings or through your browser/device settings. We do not share your notification preferences or device tokens with third parties.

10. Children's Privacy

DebtGo is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected data from a child under 18, we will delete it promptly.

11. International Users

DebtGo is operated from the United States. If you access the service from outside the US, your data may be transferred to and processed in the United States, where data protection laws may differ from your jurisdiction.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting a notice on the website or sending an email. Continued use of DebtGo after changes constitutes acceptance of the updated policy.

13. Contact Us

For privacy-related questions, concerns, or requests: