Private financial organization, explained clearly.

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. 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, 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.

4. 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.

5. 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.

6. ZyroAI

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

• ZyroAI operates within the app and does not transmit user financial data externally.
• Responses are generated based on user-provided information and internal calculations.
• ZyroAI is intended for informational purposes only and may not always be accurate.

7. 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

8. 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.

9. 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, and financial summaries generated by the app, including those from ZyroAI, are estimates based solely on the information entered by the user.

Users should always verify financial information directly with:

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

before making financial decisions.

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
• 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

No financial data entered into the application is transmitted to the developer or used for ad targeting.

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

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

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.