Privacy Policy, Terms of Use, and App Privacy Disclosure

1. Information We Collect

Debt Organizer does not collect, store, transmit, or sell any personal information by default. All information entered into the app, including but not limited to debts, bills, interest rates (APR), payment schedules, payment history, financial calculations, and notes or descriptions, is stored locally on your device only.

Optional Account Feature

Debt Organizer includes an optional Sign in with Apple feature. This feature is not required to use the app. Users may choose to sign in to enable secure data syncing across devices.

• Your data may be stored securely using Apple-managed iCloud services.
• Data remains private and tied to your Apple ID.
• The developer does not have access to your personal or financial data.

This information is never accessible to the developer and is not used for tracking or analytics.

2. Data Storage

All information created or entered in Debt Organizer is stored locally on your device using Apple’s built-in storage systems. Debt Organizer does not operate external servers or databases containing user financial information.

If Sign in with Apple is used:

• Data may be securely synced through Apple-managed iCloud infrastructure.
• Data is stored in private Apple-managed iCloud storage.

Because all data remains on your device or within Apple’s secure systems:

• We cannot access your financial information.
• We cannot recover lost data.
• We cannot view or analyze your usage.

If the application is deleted, some or all stored data may also be removed depending on your device and iCloud settings.

3. Financial Tools and Estimates

Debt Organizer may include financial tools such as Paycheck Planner, Credit Estimator, Extra Payment Impact, and Debt Snowball vs Avalanche comparisons. These tools use information the user enters directly or information already saved inside the app, such as debts, bills, balances, APRs, payment dates, credit limits, account details, planning preferences, and financial scenarios.

Financial tool inputs, saved accounts, scenarios, estimates, planner settings, comparison preferences, and useful results are stored on the user's device or through Apple-managed sync or backup systems if the user enables those features.

These tools provide educational estimates only. They may be inaccurate, incomplete, delayed, or based on information that has changed. Users should verify balances, APRs, due dates, credit report details, payment history, payment amounts, and account information directly with lenders, banks, credit bureaus, and financial institutions before relying on any result.

The Credit Estimator is not Experian, FICO, VantageScore, a lender, or a credit bureau. It does not create an official credit score, pull a credit report, guarantee a lender decision, or replace information from a credit bureau, lender, bank, or financial institution.

Users should keep device backups, iCloud, or account sync active where available if they want financial tool information to remain available on the same device, on a new device, or after restoring from a backup.

4. Data Sharing

Debt Organizer does not share, sell, rent, or distribute user-entered financial information. The developer does not have access to your debts, bills, payment history, balances, APRs, notes, financial tool inputs, credit-estimator entries, scenarios, estimates, or financial calculations.

The application does not provide user-entered financial data to:

• advertisers
• analytics providers
• marketing platforms
• data brokers
• third-party partners

Debt Organizer uses Google AdMob to display ads. Google AdMob may process limited ad-related data, such as device identifiers, approximate location derived from IP address, ad impressions, ad interactions, diagnostics, and performance data, to deliver, measure, maintain, and improve ads. This does not include the financial information users enter into Debt Organizer.

5. Tracking & Analytics

Debt Organizer does not use the financial information entered in the app for advertising, behavioral profiling, or analytics.

The application does not use user-entered financial data for:

• personalized financial advertising
• behavioral financial analytics
• location tracking
• device fingerprinting
• selling or sharing financial profiles

Ads shown in the app are provided by Google AdMob and may be contextual or non-personalized. Google AdMob may still process limited ad-related device, diagnostics, performance, advertising, and interaction data as described in Google's advertising and privacy policies.

6. Notifications

Debt Organizer includes optional notification features designed to help users stay on track with upcoming payments.

• Notifications are generated based on user-entered data.
• Notification scheduling is handled locally on the device.
• No notification data is transmitted to external servers.

7. ZyroAI

Debt Organizer includes ZyroAI, an in-app financial assistant designed to provide insights based on user-entered data.

• ZyroAI may use local app context and structured outputs from financial tools to generate responses.
• Responses are generated based on user-provided information, saved app context, scenarios, and internal calculations.
• ZyroAI is intended for informational purposes only and may not always be accurate.

ZyroAI using local app context does not give the developer, website, or support channels automatic access to private financial records. Support can only review information that a user intentionally sends through a support message or email.

8. Support and Communications

Users may contact Debt Organizer through the in-app Message Us feature or by email at debtorganizerapp@gmail.com. These support communications are separate from private financial app data.

If users contact support, they may voluntarily provide:

• name or email address
• message content
• app issue details
• screenshots, device context, or app context if they choose to include them

Users should not send bank logins, full account numbers, Social Security numbers, full credit card numbers, sensitive financial credentials, or other highly sensitive account access information through Message Us or email.

Support messages are used only to respond to questions, troubleshoot issues, improve the app and support experience, and follow up when needed. If a user asks about financial tools through Message Us or email, support can only review what the user chooses to send.

Message Us may rely on Apple-managed services, including iCloud or CloudKit, and delivery may depend on the user being signed into iCloud or having compatible Apple account and device settings. Apple-managed services may be involved in sending, storing, or syncing the support request.

The developer may see support messages and attachments that a user intentionally sends, but this does not automatically provide access to debts, bills, balances, payment history, financial tool entries, credit-estimator details, notes, or other private records saved inside the app.

Support messages may be kept as long as needed to respond, maintain support records, improve the app and support experience, or comply with legal obligations. Users may request deletion of support communications by emailing debtorganizerapp@gmail.com.

For privacy, support, questions, comments, or concerns, contact debtorganizerapp@gmail.com.

9. Security

Because all data is stored locally on your device or securely within Apple’s systems, the security of your information largely depends on your device and Apple account security.

Users are encouraged to:

• use device passcodes or biometric security
• keep their device software updated
• avoid sharing devices containing sensitive financial information

10. Children’s Privacy

Debt Organizer is not directed toward children under the age of 13. The app does not knowingly collect personal information from children.

11. Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect improvements or changes to the application. When updates occur, the Effective Date at the top of this document will be updated.

1. Purpose of the App

Debt Organizer is a personal financial organization tool designed to help users organize debts, track bills, estimate payment schedules, and view financial progress. The app is intended for informational and organizational purposes only.

2. No Financial Advice

Debt Organizer does not provide financial, legal, tax, or investment advice. All calculations, projections, credit estimates, financial tool scenarios, and financial summaries generated by the app, including those from ZyroAI, are estimates based solely on the information entered by the user or saved inside the app.

Users should always verify financial information directly with:

• banks
• lenders
• credit card companies
• credit bureaus
• financial institutions
• professional financial advisors

before making financial decisions. The Credit Estimator does not produce an official Experian, FICO, VantageScore, lender, or credit bureau score.

3. Accuracy of Information

While Debt Organizer is designed to provide helpful financial organization tools, the app may contain calculation errors, inaccuracies, or unexpected behavior. Debt Organizer cannot guarantee the accuracy of any calculations or projections.

Users should independently verify:

• payment amounts
• interest calculations
• due dates
• credit report details
• financial tool scenarios
• financial totals

before relying on the information provided by the app.

4. Limitation of Liability

Debt Organizer is provided “as is” and “as available” without warranties of any kind.

By using this application, you acknowledge that:

• The app is intended only as an organizational tool.
• It should not be relied upon as the sole source for financial decisions.
• The developers of Debt Organizer are not responsible for financial losses, missed payments, damages, or errors resulting from use of the app.

Users assume full responsibility for how they use the information provided by the application.

5. Acceptance of Risk

By downloading or using Debt Organizer, you acknowledge that:

• The app may contain errors or inaccuracies.
• Financial calculations may not always reflect real-world outcomes.
• You are responsible for verifying all financial information independently.

Your continued use of the application indicates acceptance of these risks.

6. Legal Responsibility

To the fullest extent permitted by applicable law, the developers of Debt Organizer shall not be held liable for any claims, damages, financial losses, or legal disputes arising from the use or misuse of the application. By using the app, you agree to use it at your own discretion and responsibility.

7. Changes to Terms

These Terms of Use may be updated periodically. Continued use of the application after updates constitutes acceptance of the revised terms.

Data Collection Summary (Apple Privacy Labels)

Debt Organizer is designed with privacy in mind. The app does not collect, access, sell, or use users' financial information for advertising. Because Google AdMob is included to display ads, App Store privacy disclosures may include limited ad-related data processed by the Google Mobile Ads SDK.

Financial Data Not Collected by the Developer

Debt Organizer does not collect, transmit, or provide the following user-entered financial data to the developer or to advertising services:

• Financial information
• Debt balances
• Bill amounts
• Payment schedules
• Interest rates (APR)
• Payment history
• Notes or descriptions
• Payment information
• Financial tool inputs, scenarios, estimates, and comparison results
• Credit-estimator account entries, assumptions, and estimated score impacts

No financial data entered into the application is transmitted to the developer or used for ad targeting unless a user intentionally includes information in a support message or email.

Data Stored on Device

All information entered into Debt Organizer is stored locally on the user’s device or securely within Apple’s systems if syncing is enabled.

Examples include:

• debt balances
• bill amounts
• payment schedules
• interest rates (APR)
• payment history
• financial calculations
• paycheck planner settings
• extra payment impact scenarios
• debt strategy comparison preferences
• credit-estimator inputs and estimates

This information remains private and under the user’s control.

Support Messages and Contact Information

If a user contacts Debt Organizer through Message Us or by email, support may receive the information the user chooses to provide, such as a name or email address, message content, issue details, screenshots, and device or app context. Users should not include bank logins, full account numbers, Social Security numbers, full credit card numbers, or sensitive financial credentials in support communications.

For privacy, support, questions, comments, or concerns, contact debtorganizerapp@gmail.com.

Third-Party Advertising Disclosure

Debt Organizer uses Google AdMob to display ads in the app. AdMob may process limited ad-related data to deliver, measure, maintain, and improve ads.

This may include:

• device identifiers or advertising identifiers
• approximate location derived from IP address
• ad impressions and ad interactions
• diagnostics and crash information
• performance data related to ad delivery

Debt Organizer does not provide Google AdMob with user-entered financial information.

Tracking

Debt Organizer does not track users' financial activity for advertising.

The app does not use user-entered financial information for:

• financial profiling
• behavioral financial analytics
• selling financial information
• sharing payment or debt details with advertisers

Google AdMob may process limited ad-related data under Google's own advertising and privacy practices.

App Store Privacy Label

In App Store Connect, Debt Organizer's disclosures should reflect that the app does not collect users' financial information for advertising, while also including applicable Google AdMob data types required for third-party advertising SDKs.