Privacy policy

Last updated: September 2026

Short version: I don't sell or sync your debt ledger, and there is no bank linking or user account. Core data and Plan Assistant requests stay on your device.

What stays on your device

Your debt ledger, payments, savings goals, Plan Assistant history, statement images, recognized statement text, and Earn profile are processed and stored on your device using Apple's standard frameworks. There is no Debtless cloud sync or sign-in account.

On-device intelligence

On compatible devices, the Plan Assistant, statement refinement, and Earn ideas use Apple's Foundation Models framework and Apple Intelligence on the device. Debtless does not send those prompts, debt fields, statement images, recognized text, or generated answers to the developer's server or a third-party AI model. If Apple Intelligence is unavailable, Debtless keeps the calculated payoff plan and basic Vision statement parsing available without a network AI fallback.

Debtless has no subscription, in-app purchase, advertising, or paid feature. Standard App Store and operating-system services remain subject to Apple's terms and privacy practices.

What I don't do

No access to your bank or financial accounts. No Plaid connection. No selling your data. No advertising. No third-party tracking or analytics SDKs. Debtless does not keep a usage log or send product analytics to the developer.

Your choices

Export your debts as CSV from Settings. Erase local app data from Settings, or remove the app from your device.

Questions

Visit the Debtless support page. A dedicated support mailbox will be published there after the marketing domain is selected.