1. Information We Collect

1.1 Information You Provide

We collect information that you voluntarily provide to us, including:

• Contact Information: Email address, name, phone number
• Financial Information: Debt balances, interest rates, minimum payments, creditor information
• Account Information: Username, password (encrypted), profile preferences
• Communication Data: Messages, support inquiries, feedback you send us

1.2 Automatically Collected Information

When you use our services, we automatically collect:

• Usage Data: Pages viewed, features used, time spent, interaction patterns
• Device Information: Browser type, operating system, IP address, device identifiers
• Log Data: Access times, error logs, referral URLs
• Cookies & Tracking: See our Cookie Policy below

2. How We Use Your Information

We use the information we collect to:

• Provide Services: Generate personalized debt payoff plans, calculate savings, provide recommendations
• Improve Our Platform: Analyze usage patterns, develop new features, optimize user experience
• Communicate: Send service updates, respond to inquiries, provide customer support
• Security: Detect fraud, prevent abuse, protect user accounts
• Compliance: Meet legal obligations, enforce our terms, resolve disputes
• Marketing: Send promotional emails (with your consent, which you can withdraw anytime)

3. How We Share Your Information

3.1 We DO NOT Sell Your Data

We will never sell, rent, or trade your personal information to third parties for marketing purposes.

3.2 We May Share Information With:

• Service Providers: Companies that help us operate (hosting, analytics, email services) under strict confidentiality agreements
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In the event of a merger, acquisition, or sale of assets (you'll be notified)
• With Your Consent: When you explicitly authorize us to share information

4. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All data transmitted is encrypted using TLS/SSL
• Secure Storage: Financial data is encrypted at rest
• Access Controls: Limited employee access on a need-to-know basis
• Regular Audits: Security assessments and vulnerability testing
• Monitoring: 24/7 system monitoring for suspicious activity

Note: While we implement strong security measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

5. Your Privacy Rights

Depending on your location, you may have the following rights:

5.1 Access & Portability

• Request a copy of your personal data
• Download your data in a portable format

5.2 Correction & Deletion

• Update or correct inaccurate information
• Request deletion of your personal data

5.3 Control & Opt-Out

• Opt out of marketing emails (unsubscribe link in every email)
• Disable cookies through browser settings
• Object to certain data processing activities

5.4 How to Exercise Your Rights

To exercise any of these rights, contact us at privacy@debtlogic.ai. We'll respond within 30 days.

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations (typically 7 years for financial records)
• Resolve disputes and enforce agreements

When you close your account, we'll delete or anonymize your personal data within 90 days, except where we're legally required to retain it.

7. Cookies & Tracking Technologies

7.1 Types of Cookies We Use

• Essential Cookies: Required for the platform to function (login, security)
• Analytics Cookies: Help us understand how you use our service (Google Analytics)
• Preference Cookies: Remember your settings and preferences

7.2 Managing Cookies

You can control cookies through your browser settings. Note that disabling essential cookies may affect functionality.

8. Third-Party Services

We use the following third-party services:

• Hosting: Hostinger (data storage and hosting)
• Analytics: Google Analytics (usage tracking)
• Email: Airtable (email list management)
• Payments: Stripe (payment processing - future)

Each service has its own privacy policy governing their use of your information.

9. Children's Privacy

DebtLogic.ai is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we've collected data from a child under 18, we'll delete it immediately.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

11. California Privacy Rights (CCPA)

If you're a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to know what personal information we collect and how we use it
• Right to delete your personal information
• Right to opt-out of the sale of personal information (we don't sell data)
• Right to non-discrimination for exercising your rights

12. European Privacy Rights (GDPR)

If you're in the European Economic Area (EEA), you have rights under the General Data Protection Regulation:

• Legal basis for processing: Consent, contract performance, legitimate interests
• Right to lodge a complaint with your local data protection authority
• Right to data portability and restriction of processing

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We'll notify you of significant changes by:

• Posting the new policy on this page
• Updating the "Last Updated" date
• Sending you an email notification (for material changes)

Your continued use of DebtLogic.ai after changes constitutes acceptance of the updated policy.

14. Do Not Track Signals

Some browsers have "Do Not Track" features. Currently, there is no industry standard for responding to these signals. We do not currently respond to Do Not Track signals.

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