Privacy Policy

Debt Payoff Planner ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

If you have any questions, contact us at:
📧 bharatappsinfotech@gmail.com

1. 📱 Information We Collect

We collect information in the following categories:

1.1 Personal Information

When you sign in using Google (Firebase Authentication), we may collect:

  • Email address

  • User ID (unique identifier linked to your account)

1.2 Financial Information (User-Provided)

We collect financial data that you manually enter, including:

  • Debt details (balance, APR, minimum payment)

  • Payment history and transaction records

⚠️ Important:
We do NOT access bank accounts, credit cards, or external financial institutions.

1.3 App Activity Data

We may collect:

  • App interactions (features used, screens viewed)

  • Usage patterns and engagement data

1.4 Device & Technical Data

Collected automatically via SDKs:

  • Device type, OS version

  • Crash logs and diagnostics

  • Performance data

1.5 Advertising & Identifiers (AdMob)

Third-party SDKs like Google AdMob may collect:

  • Advertising ID

  • Device identifiers

  • IP address and approximate location (for ad delivery)

2. 👤 Guest Mode (Offline Data)

If you use the app without signing in:

  • Your data is stored locally on your device

  • We use secure local storage (SharedPreferences)

  • Your data is not transmitted to our servers

3. ☁️ Cloud Storage (Firebase)

If you sign in using Google:

  • Your data is stored in Google Firebase Firestore

  • Data is transmitted using HTTPS (TLS encryption)

  • Access is restricted to your account using Firebase Security Rules

Stored data may include:

  • Email and user ID

  • Debt and payment data

  • Progress metrics (streak, completion %)

  • Subscription status

4. 💳 In-App Purchases & Subscription

We use Google Play Billing for purchases.

  • We do not collect or store payment details

  • Purchases are verified using secure server-side validation

  • Subscription data stored:

    • Status (Active/Expired)

    • Expiry date

    • Product ID

We use a zero-trust system, meaning:

  • Subscription access is controlled by secure backend verification

  • Users cannot modify purchase status manually

5. 📢 Advertising (Google AdMob)

We use Google AdMob to display ads.

AdMob may:

  • Collect and process advertising identifiers

  • Use data for ad personalization and performance measurement

More info:
https://policies.google.com/privacy

Your Choices:

  • You can opt out of personalized ads in device settings

  • You can upgrade to Pro version to remove ads

6. 🔐 How We Use Your Data

We use collected data to:

  • Provide core app functionality (debt tracking & calculations)

  • Generate projections and insights

  • Sync data across devices

  • Verify subscriptions

  • Improve app performance and stability

  • Show and optimize advertisements (free version)

7. 🔄 Data Sharing

We do not sell your personal data.

However, data may be shared with trusted third-party services:

  • Google Firebase → authentication & database

  • Google AdMob → ads & analytics

  • Google Play Services → billing & app services

These providers process data under their own privacy policies.

8. 🔒 Data Security

We implement industry-standard security measures:

  • Encrypted data transmission (HTTPS / TLS)

  • Firebase Authentication (secure login)

  • Firestore access control rules

  • Server-side subscription verification

9. 🧹 Data Retention

  • Guest data → stored locally until app uninstall

  • Cloud data → retained until user deletes account or requests deletion

  • Some data may be retained for legal or compliance purposes

10. 🗑️ Account & Data Deletion

You can request deletion of your account and data:

🔗 Delete account page:
https://debt-payoff-planner.blogspot.com/p/delete-account.html

Or email:
📧 bharatappsinfotech@gmail.com

What gets deleted:

  • Account (email & user ID)

  • All debts and payment data

  • Subscription records

What may be retained:

  • Data required for legal compliance (if applicable)

⏳ Processing time: 3–5 business days

11. 👶 Children’s Privacy

This app is not intended for users under 13 years.

We do not knowingly collect data from children.

12. 🌍 International Users

Your data may be processed on servers located outside your country (e.g., Google Cloud infrastructure).

13. 🔄 Changes to This Policy

We may update this Privacy Policy periodically.

  • Changes will be reflected with a new “Last updated” date

  • Continued use of the app implies acceptance

14. 📩 Contact Us

For any privacy-related questions:

📧 bharatappsinfotech@gmail.com