Last updated: May 9, 2026
Introduction
Debtember ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use the Debtember mobile application.
By using Debtember, you agree to the collection and use of information in accordance with this policy.
Information We Collect
We collect the following types of information:
- Account information: Your name and email address when you create an account.
- Debt information: Debt names, balances, interest rates, and minimum payments that you manually enter or import via bank connection.
- Financial account data: If you choose to connect your bank account via Plaid, we receive read-only access to your liability accounts (credit cards, loans, mortgages). We never have access to your banking credentials or the ability to move money.
- Usage data: App activity such as screens visited, features used, and payoff progress to improve your experience.
- Device information: Device type, operating system version, and app version for troubleshooting purposes.
How We Use Your Information
We use the information we collect to:
- Provide, operate, and maintain the Debtember app
- Calculate your personalized debt payoff plans and projections
- Track your progress and award XP, badges, and streaks
- Sync your data across devices via secure cloud storage
- Send optional payment reminders and motivational notifications
- Improve and develop new features for the app
- Respond to customer support requests
Bank Account Connection (Plaid)
Debtember uses Plaid Technologies, Inc. to enable optional bank account connections. When you connect your bank account:
- You authenticate directly with your bank through Plaid's secure interface — we never see your banking username or password.
- We receive read-only access to your liability account data (balances, APRs, minimum payments).
- We cannot initiate transactions, transfer funds, or access accounts beyond what you explicitly authorize.
- Your Plaid access token is stored securely and encrypted in our database.
Plaid's privacy policy is available at plaid.com/legal.
Data Storage and Security
Your data is stored securely using Supabase, a SOC 2 compliant cloud infrastructure provider. We implement the following security measures:
- All data is encrypted in transit using TLS/HTTPS
- All data is encrypted at rest
- Row-level security policies ensure you can only access your own data
- Authentication is handled via secure JWT tokens
- Sensitive financial tokens are never exposed to the client application
Data Sharing
We do not sell, trade, or rent your personal information to third parties. We may share data with:
- Supabase: Our secure cloud database and authentication provider
- Plaid: Only when you explicitly connect a bank account
- Legal authorities: Only when required by law or to protect our rights
We do not use your financial data for advertising purposes.
Your Rights and Choices
You have the right to:
- Access your data: View all data stored in your account within the app
- Delete your data: Delete individual debts or your entire account at any time
- Disconnect bank accounts: Remove Plaid connections at any time from Settings
- Opt out of notifications: Disable push notifications in your device settings
- Export your data: Contact us to request a copy of your data
Children's Privacy
Debtember is not intended for use by anyone under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last updated" date at the top of this page. Continued use of the app after changes constitutes acceptance of the updated policy.