Last updated: November 9, 2026
Short version: DebtFree AI stores everything on your device. We don't have servers that hold your debt data, we don't require accounts, and we don't sell personal information — because we never receive it.
All information you enter — debts, payments, moods, profile names, WhatsApp numbers — is saved in your browser's local storage on your own device. It is never transmitted to us. If you clear your browser data or uninstall the app, this information is permanently deleted from your device.
Pro users can export a backup file. This file is generated locally in your browser and saved wherever you choose. We never see it. Anyone with the file and your device can read it, so treat it like a bank statement.
When you choose to send a progress report, reminder, or motivation message, the app opens WhatsApp (wa.me) with a message you can review before sending. That message goes through WhatsApp/Meta under their own privacy policy. DebtFree AI never sends anything without your tap.
We may use Google Analytics 4 to understand aggregate usage (pages visited, general region, device type). GA4 collects no debt data — the app never places your balances, debts, or profile information into analytics events. You can opt out via your browser's "Do Not Sell/Share" settings or by blocking third-party cookies.
When you purchase Pro, you receive a license key. It is stored locally on your device to unlock Pro features. It contains no personal information.
DebtFree AI is intended for adults managing their finances. We do not knowingly collect information from children under 13.
If this policy changes, the updated date above will change. Material changes will be noted on the app's home page.
Questions about privacy? Reach us through the channel where you downloaded or purchased DebtFree AI.