Effective Date: April 10, 2025

At DebtClip, your privacy is our priority. This Privacy Policy outlines how we collect, use, and protect your information in accordance with applicable U.S. regulations, including the California Consumer Privacy Act (CCPA), the Children's Online Privacy Protection Act (COPPA), and other industry standards. By using our website or app, you agree to the terms outlined below.

1. Information We Collect

  • Debt and repayment information you enter manually (e.g., loan amounts, interest rates, due dates)
  • Contact information, such as your email address or phone number (optional, for support and sync purposes)
  • Device and usage data, including your operating system, device type, and in-app activity
  • Crash reports and analytics collected via third-party services like Firebase

2. How We Use Your Data

  • Operate and improve the DebtClip app and website
  • Track your debt repayment progress and projections
  • Send reminders and optional updates (with your consent)
  • Provide customer support
  • Analyze general usage trends to improve our user experience

3. Data Storage & Security

  • All user data is stored locally on your device unless you enable optional sync or backup features.
  • When enabled, data may be securely transmitted using encrypted connections (e.g., via Firebase Cloud).
  • We apply industry-standard encryption and access control measures to protect your data.

4. Third-Party Services

We use trusted third-party tools such as Firebase by Google LLC for:

  • App analytics
  • Crash reporting
  • Optional data syncing and cloud backups

Firebase complies with data protection regulations like GDPR and CCPA.

5. Data Sharing

  • We do not sell, rent, or trade your personal information.
  • Your data may only be accessed:
    • If you request support or data assistance
    • If required by law or legal process

6. Your Rights

You have the right to:

  • Access your personal data
  • Edit or delete your data
  • Request complete deletion of your account and all related information

To make a request, please contact us at: support@clipdebt.com

7. Children’s Privacy

DebtClip is intended for users aged 18 and older. We do not knowingly collect data from individuals under the age of 13.

8. Policy Updates

We may revise this Privacy Policy from time to time. All updates will be posted on this page, and significant changes may be communicated via the app or email (if provided). Continued use of our services after such updates constitutes your acceptance of the revised terms.