Debt-Free

Debt-Free is designed to work without a developer-operated account, advertising profile, or sale of personal information.

Effective July 26, 2026

Information the developer collects

The developer does not operate an app account system and does not receive the records you enter into the app. The app does not include third-party advertising or analytics SDKs.

How the app handles information

The developer does not collect, sell, or share personal or financial data.

Debt names, balances, rates, plans, and reminders remain on your device.

Apple processes the optional lifetime purchase; the developer never receives card details.

Optional Apple services and permissions

Debt-Free uses StoreKit for the optional one-time purchase and notifications only for payoff reminders you choose to schedule. Exported backups leave the app only through an Apple share or file picker action you initiate.

Support requests

The support request form is hosted by Google Forms. The reply email and other details you choose to submit are received and used only to understand and respond to your request. Google may process form data under its own privacy policy. A Google account shown to you by Google is not included in the response unless you type that address into the reply-email field. Do not include passwords, payment card details, health records, or other sensitive information.

Open support form

Children, security, and changes

The apps are not directed to children under 13. Reasonable safeguards are used for the limited support information received, but no method of electronic storage is completely secure. Material policy changes will be posted on this page with a new effective date.

Calculations are estimates based on user-entered values and are not financial advice. Verify plans against current lender statements.