Privacy policy
Last updated: September 2026
What stays on your device
Your debt ledger, payments, savings goals, Plan Assistant history, statement images, recognized statement text, and Earn profile are processed and stored on your device using Apple's standard frameworks. There is no Debtless cloud sync or sign-in account.
On-device intelligence
On compatible devices, the Plan Assistant, statement refinement, and Earn ideas use Apple's Foundation Models framework and Apple Intelligence on the device. Debtless does not send those prompts, debt fields, statement images, recognized text, or generated answers to the developer's server or a third-party AI model. If Apple Intelligence is unavailable, Debtless keeps the calculated payoff plan and basic Vision statement parsing available without a network AI fallback.
Debtless has no subscription, in-app purchase, advertising, or paid feature. Standard App Store and operating-system services remain subject to Apple's terms and privacy practices.
What I don't do
No access to your bank or financial accounts. No Plaid connection. No selling your data. No advertising. No third-party tracking or analytics SDKs. Debtless does not keep a usage log or send product analytics to the developer.
Your choices
Export your debts as CSV from Settings. Erase local app data from Settings, or remove the app from your device.
Optional website analytics
The website is separate from the Debtless iPhone app. If you accept website analytics, Google Analytics can measure website visits, general device and browser information, referring website domains, and clicks to the App Store or RSS feed. Google processes network information, including your IP address, when your browser connects to its service. Analytics cookies may persist for up to six months.
Google Analytics stays off until you accept. We do not send your debt ledger, balances, statement images, email address, or journal search text to Analytics. Advertising personalization and Google signals are disabled in our website code. The Debtless app continues to have no analytics or tracking SDKs.
You can decline analytics and use the entire website, or change your choice using . Declining removes this site's Google Analytics cookies. Search Console measures search visibility without adding visitor tracking code. Learn about Google's use of information from partner sites.
Contact
Visit the Debtless support page or email support@debtlessapp.com.