Privacy Policy

1. Introduction

Welcome to DebtWise ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal and financial data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our debt management application and services.

2. Information We Collect

We collect several types of information from and about users of our application, including:

• Personal Data: Email address, name, and authentication information when you create an account.
• Financial Data: Information you provide about your debts (e.g., lender names, balances, interest rates, minimum payments), income, expenses, and chosen payoff strategies. We handle this data with extreme care.
• Usage Data: Information about how you interact with DebtWise, such as features used (e.g., budget tracking, strategy selection, 'what-if' scenarios), progress tracked, and session activity.
• Device Information: Standard technical information about your device, IP address, browser type, and operating system used to access DebtWise.
• Spreadsheet Download Information: If you download the DebtWise Starter Spreadsheet, we collect the email address you provide for delivery.

3. How We Use Your Information

We use the information we collect solely to:

• Provide, maintain, personalize, and improve the DebtWise application and services.
• Calculate and display debt payoff strategies (e.g., Snowball, Avalanche).
• Track your budget, expenses, and debt payment progress based on the information you provide.
• Visualize your financial situation and debt payoff journey.
• Process account creation and authentication.
• Send you technical notices, updates, security alerts, and support messages.
• Respond to your comments, questions, and provide customer service.
• Monitor and analyze trends, usage, and activities in connection with our services.
• Detect, investigate, and prevent fraudulent transactions and other illegal activities and protect the rights and property of DebtWise and others.
• Deliver the DebtWise Starter Spreadsheet to the email address provided.

4. Data Sharing and Disclosure

We do not sell your personal or financial information. We may share information in the following limited circumstances:

• With third-party vendors and service providers that perform services on our behalf (e.g., hosting, email delivery, analytics), but only to the extent necessary to perform those services and under strict confidentiality agreements.
• If required by law, regulation, or legal process, or if we believe disclosure is necessary to protect the rights, property, or safety of DebtWise, our users, or others.
• In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.

5. Data Security

We implement appropriate technical and organizational security measures designed to protect the security of any personal and financial information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your information, transmission of personal information to and from our Services is at your own risk. You should only access the services within a secure environment.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements. You can request deletion of your account and associated data by contacting us.

7. Third-Party Services

DebtWise may contain links to third-party websites or services (like the link to TinyGains in the footer). We are not responsible for the content, privacy policies, or practices of any third-party websites or services. We encourage you to be aware when you leave our application and to read the privacy statements of any other site that collects personally identifiable information.

8. Children's Privacy

DebtWise is not intended for or directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information.

9. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information, such as the right to access, correct, update, or request deletion of your personal information. Please contact us to exercise these rights.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top. We encourage you to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:
codewcj@gmail.com