Privacy Policy
Effective date: September 30, 2026
1. Introduction
Welcome to Debt Payoff Planner & Snowball ("we", "our", or "us").
This Privacy Policy applies to the Debt Payoff Planner & Snowball mobile application (Bundle Identifier: com.affintech.DebtPayoffPlanner) for iOS and watchOS, published by Tue Hoang / Affinity Tech.
We respect your privacy and are committed to protecting it. We believe your personal financial numbers are sensitive, personal, and strictly yours. This Privacy Policy describes how we handle information in our application, including our strict on-device data architecture and the limited diagnostic telemetry collected to ensure stability.
By downloading, installing, or using Debt Payoff Planner & Snowball, you agree to the terms described in this Privacy Policy.
2. Core Privacy Guarantee: 100% On-Device Financial Data
Zero Server Storage: Your debt balances, creditor names, interest rates (APRs), payment logs, extra payment schedules, and financial scenarios are stored strictly on your local device. We never transmit, upload, or sell your financial data to external servers, cloud databases, or third parties.
Debt Payoff Planner does not require account creation, social sign-in, or bank account linking. All mathematical calculations, payoff date projections, and interest savings analyses execute completely on your device's processor using Core Data and on-device Swift engines.
3. On-Device Features & Hardware Permissions
The app offers several productivity features that utilize device sensors and system APIs. All of these features operate strictly on-device:
- Snap-to-Add Document Camera (OCR): The app allows you to scan paper billing statements or credit card notices to quickly prefill debt balances and APRs. This feature uses Apple's VisionKit and Vision framework (`VNRecognizeTextRequest` / `DataScannerViewController`). Text recognition occurs entirely in device memory. No photos, camera feeds, or statement contents are ever recorded, saved remotely, or uploaded.
- Voice Dictation: If you use voice entry to draft a new debt, transcription is processed by Apple's on-device Speech framework (`SFSpeechRecognizer` / `SpeechTranscriber`) and Natural Language tagger. Audio is never sent to our servers.
- Biometric Authentication (Face ID / Touch ID): You may optionally lock access to your debt payoff plan using Apple's LocalAuthentication framework. Authentication takes place directly within Apple's secure hardware enclave. The application never accesses or stores your biometric data.
- Local Notifications: Scheduled reminders for debt due dates and monthly plan reviews are created locally via `UNUserNotificationCenter` on your device without server involvement.
4. Third-Party Services & Diagnostics
To keep the application stable, identify bugs, and sustain free features, the app integrates a small number of standard third-party SDKs provided by Google:
- Firebase Analytics (Google): Collects anonymous, aggregated technical metrics (e.g. app launch count, navigation screen transitions, operating system version, device model, and approximate non-precise region derived from IP). Firebase Analytics never collects debt names, balances, APRs, or financial transactions. See Firebase Privacy & Security.
- Firebase Crashlytics (Google): In the event of an unexpected crash, Crashlytics collects anonymous diagnostic traces, stack reports, and device state leading up to the error. No personal financial information is included in crash logs.
- Google AdMob & User Messaging Platform (UMP): The free version of the application displays advertisements served by Google AdMob. Through AdMob, device identifiers (such as the IDFA on iOS, subject to your App Tracking Transparency permission) and anonymous device signals may be processed to measure ad delivery and prevent invalid traffic. In applicable jurisdictions (such as the EU/UK under GDPR and US states under CCPA), consent management is handled via Google's UMP framework. See Google Ad Policies.
5. Your Choices & Privacy Controls
You have full control over your data and tracking choices:
- App Tracking Transparency (ATT): On iOS, you can permit or deny ad tracking when prompted, or at any time in iOS Settings → Privacy & Security → Tracking.
- In-App Privacy Choices: If you reside in a region with privacy consent requirements (such as the EEA/UK), you can reopen and adjust your advertising consent choices at any time from the app's Settings → Privacy Choices.
- Data Eradication: Because your data resides exclusively on your device, deleting the application permanently removes all saved debts, scenarios, and local settings. You can also export or clear your plan directly inside the app settings.
6. Children's Privacy
Debt Payoff Planner & Snowball is intended for general audiences managing personal loans and household finance. We do not knowingly collect personal information from children under the age of 13. If you believe a child has provided personal information to third-party services through the app, please contact us to take appropriate steps.
7. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect new features, updated legal regulations, or operational improvements. Any updates will be published directly on this page with a revised "Effective date".
8. Contact Us
If you have any questions, suggestions, or concerns regarding this Privacy Policy or your data privacy, please contact:
Developer: Tue Hoang (Affinity Tech)
Email: contact@tuehoang.com
Website: https://tuehoang.com