Privacy Policy

Last updated: 6 November 2026

        Short version: Debt Payoff stores everything
        on your device. We don't collect, transmit, or share your personal
        or financial data. No account. No bank login. No analytics.
    

What we collect

Nothing. The app does not collect personal information or transmit any of your data to us or to third parties. Every debt, every payment, and every progress milestone lives only on your device (and is backed up only if you have iCloud backup enabled, in your own iCloud account — Apple's privacy terms apply, not ours). The app does not sync to iCloud or any server, and there is no bank connection.

Network use and permissions

The app has no server of ours to talk to. Its only network use is Apple's App Store for purchases, restores and the optional rating prompt, and links you choose to open (such as this website or email). It does not ask for any device permissions.

App Store subscriptions

If you purchase a subscription, Apple processes the payment through the App Store. We never see your payment information. The app checks your subscription status with Apple on your device (StoreKit) to unlock premium features; it does not send it to us.

Crash reports and analytics

We do not embed any third-party analytics, tracking, or advertising SDKs. If you have "Share With App Developers" enabled in iOS Settings, Apple may send us anonymous crash reports through their standard pipeline. These contain no personal information.

Contacting us

If you have questions about this policy or about your data, email info@appharbour.com.

Changes

If this policy changes, we'll update the date at the top and post the new version at this URL.