Published by: Hydra Tech INC
Email: patel002.nidhi@gmail.com
Effective Date: August 31, 2026
Last Updated: August 31, 2026
Hydra Tech INC ("we", "our", or "us") built DebtFree – Loan Planner & Payoff Calculator as a Free application.
DebtFree is a personal loan and debt management application designed to help users manage loans, calculate repayment plans, track payments, monitor debt progress, and plan their journey toward becoming debt-free.
We respect your privacy and are committed to protecting your information.
This Privacy Policy explains what information DebtFree handles, how information is stored, how information may be used, how third-party services may process information, and what choices you have.
By using DebtFree, you agree to the practices described in this Privacy Policy.
DebtFree – Loan Planner & Payoff Calculator helps users:
Add and manage multiple loans and debts
Record loan amounts and outstanding balances
Enter interest rates
Calculate EMI and repayment amounts
Calculate repayment schedules
Track loan balances
Record payments
Track payment history
Monitor debt payoff progress
Set payment due-date reminders
Compare repayment strategies
Manage recurring payments
Set debt payoff goals
Plan and monitor a debt-free journey
Export or back up data where such features are available
Access premium features through optional in-app purchases
DebtFree is intended for personal financial planning and tracking purposes only.
DebtFree does not provide financial, investment, banking, lending, tax, legal, or professional financial advice.
All calculations and information provided by the application are for informational and planning purposes only.
DebtFree does not require users to create an account or register to use the application.
We do not directly request or require:
Full name
Phone number
Email address
Bank account number
Credit card number
Debit card number
Banking passwords
Government identification numbers
However, if you voluntarily contact us by email or provide information through another communication method, we may receive the information that you choose to provide.
Users may voluntarily enter financial information into DebtFree, including:
Loan name
Lender or party name
Principal amount
Outstanding balance
Interest rate
EMI amount
Minimum payment amount
Loan tenure
Payment frequency
Payment due date
Payment amounts
Payment history
Debt payoff goals
Notes
Currency preferences
Financial information entered into DebtFree is designed to be stored locally on your device.
Hydra Tech INC does not maintain a central cloud database for storing your personal loan, debt, or payment records.
We do not intentionally transmit your financial records to our own servers.
Your financial information remains under your control on your device unless you explicitly choose to export, share, or back up that information.
DebtFree may use third-party services for advertising, analytics, diagnostics, security, payment functionality, and application functionality.
Depending on the services enabled in the application, third-party providers may collect or process information such as:
Device model
Device manufacturer
Android version
Application version
Advertising ID
Device identifiers
IP address
Approximate location
Ad impressions
Ad clicks and interactions
Application interaction information
Crash information
Diagnostic information
Performance information
Fraud-prevention information
Purchase or subscription status
This information may be processed by the relevant third-party provider according to its own privacy policy.
DebtFree does not intentionally send your personal loan or debt records to advertising networks.
Depending on your Android version and the features enabled in the application, DebtFree may request certain permissions.
The Internet permission may be used for:
Displaying advertisements
Communicating with third-party services
Analytics or diagnostics where enabled
Processing or verifying app-store purchases
Other online functionality provided by third-party services
Your locally stored financial records are not intentionally uploaded to Hydra Tech INC servers.
This permission may be used to determine whether your device has an active network connection.
Where applicable, this permission may be used to obtain basic network connectivity information required for application functionality.
DebtFree may request notification permission to provide reminders for:
EMI due dates
Loan payment dates
Upcoming payments
Scheduled reminders
Notifications may be generated using the device's local notification functionality.
You can enable or disable notification permissions through your Android device settings.
If the application provides backup, import, export, or file-sharing functionality, DebtFree may request the appropriate file access required by your Android version.
This access is used when you explicitly choose to:
Export your data
Import a backup
Create a backup
Restore data
Share an exported file
DebtFree does not access your personal files for unrelated purposes.
Information handled by DebtFree and its third-party service providers may be used for purposes including:
Providing loan calculations
Calculating EMI payments
Creating repayment schedules
Tracking loan balances
Tracking payment history
Providing debt payoff calculations
Providing payment reminders
Displaying advertisements
Measuring advertising performance
Providing premium features
Processing and verifying purchases
Managing subscriptions
Restoring purchases
Improving application functionality
Diagnosing crashes
Improving application stability
Understanding general application usage
Preventing fraud and abuse
Maintaining application security
We do not sell or rent your personal financial records.
DebtFree may use third-party advertising, analytics, technology, payment, and platform services to provide and support the application.
Depending on the version of the application, these services may include:
Google AdMob
Google Play Services
Meta Audience Network (Facebook)
Unity Ads
Unity LevelPlay
Firebase services
Google Play Billing
Other trusted third-party service providers that may be integrated into the application
Third-party providers may independently collect or process certain technical, advertising, diagnostic, usage, or purchase-related information.
DebtFree may use Google AdMob to display advertisements.
Google and its advertising partners may process information such as:
Advertising ID
Device information
IP address
Approximate location
Ad impressions
Ad interactions
Application information
Diagnostic information
This information may be used for:
Providing advertisements
Measuring advertisements
Personalizing advertisements where permitted
Providing non-personalized advertisements
Fraud prevention
Advertising measurement
Improving advertising services
Advertising personalization may depend on your device settings, applicable consent requirements, and regional regulations.
For more information:
Google Advertising Technologies
DebtFree may use Meta Audience Network to provide advertisements.
Meta may process information such as:
Device information
Advertising identifiers
IP address
App and ad interaction information
Technical information
Diagnostic information
Approximate location information
Meta may use this information according to its applicable privacy policies and advertising technologies.
For more information:
DebtFree may use Unity Ads or Unity LevelPlay for advertising and advertising mediation.
Unity and its advertising partners may process information such as:
Device identifiers
Advertising identifiers
IP address
Device information
Application information
Advertising interaction information
Diagnostic information
Performance information
This information may be used for advertising delivery, measurement, fraud prevention, analytics, and related advertising purposes.
For more information:
If Firebase services are enabled in the application, certain Firebase products may process technical, diagnostic, analytics, or crash-related information.
Depending on the Firebase products integrated into the application, information may include:
Application usage information
Device information
App version
Crash information
Diagnostic information
Performance information
Technical identifiers
Firebase information may be used to improve application stability, performance, and functionality.
For more information:
Google Firebase Privacy and Security
DebtFree may use Google Play Services to support Android application functionality.
Google Play Services may process technical information according to Google's applicable privacy policies.
For more information:
Your financial records may contain sensitive information about your loans and debts.
DebtFree is designed so that information such as:
Loan amounts
Outstanding balances
Interest rates
EMI amounts
Payment history
Debt payoff plans
Lender or party information
is stored locally within the application on your device.
DebtFree does not intentionally provide this financial information to Google AdMob, Meta Audience Network, Unity Ads, Firebase, or other advertising networks for advertising purposes.
Advertising providers may independently process technical and advertising-related information as described in their respective privacy policies.
DebtFree may offer optional paid features, including:
Premium version
Pro version
Remove Ads
Premium calculations
Advanced loan planning features
Additional application features
One-time purchases
Subscription plans
Purchases may be processed through Google Play Billing or another authorized app-store payment platform.
Hydra Tech INC does not directly collect or store:
Credit card numbers
Debit card numbers
CVV
Bank account numbers
UPI credentials
Banking passwords
Payment information is handled by the applicable app-store or payment provider according to its privacy policy and terms.
Google Play or the applicable payment provider may process information necessary to:
Process purchases
Verify transactions
Activate purchased features
Manage subscriptions
Restore purchases
Process refunds where applicable
Prevent fraudulent transactions
Maintain transaction records
Hydra Tech INC may receive limited purchase-related information necessary to provide purchased features, such as:
Product ID
Purchase status
Subscription status
Transaction-related identifiers
Purchase verification information
Your app-store payment information is separate from the financial information you enter into DebtFree.
Purchasing a premium feature does not give Hydra Tech INC access to your bank account, credit card, debit card, UPI, or other banking credentials.
For more information:
If DebtFree offers subscription-based premium features:
Subscription payments are processed through the applicable app-store billing system.
Subscription status may be checked to provide access to premium features.
Users can manage or cancel subscriptions through their applicable app-store account.
Cancellation of a subscription does not necessarily provide an automatic refund.
Refunds are subject to the applicable app-store policies.
Hydra Tech INC does not directly store users' payment card or banking credentials.
DebtFree may provide functionality that allows users to export, back up, import, or restore financial data.
If you create an exported or backup file, that file may contain your financial information.
You are responsible for the security of any exported or backup file.
If you choose to:
Upload a backup to cloud storage
Send a backup through email
Share a backup through messaging applications
Transfer a backup to another device
Store a backup using a third-party service
the privacy practices of that third-party service will apply.
Hydra Tech INC does not control how third-party services handle files that you voluntarily share with them.
We recommend protecting exported backup files because they may contain sensitive financial information.
Financial data entered into DebtFree is stored locally on your device.
We do not maintain a remote database containing your personal loan and debt records.
The security of locally stored information also depends on the security of your Android device.
We recommend that you:
Use a strong device PIN or password
Enable biometric authentication where available
Keep your Android operating system updated
Do not share your device with untrusted individuals
Protect exported backup files
Avoid sharing financial backup files with untrusted persons or services
Although we take reasonable measures to protect information, no method of electronic storage or transmission can be guaranteed to be completely secure.
Your financial data remains stored locally on your device until you delete it.
You can delete your data by:
Using the delete/reset functionality available in the application, if provided.
Clearing the application's storage/data through Android settings.
Uninstalling the application.
If you have exported or backed up your information outside the application, you are responsible for deleting those additional copies.
Because Hydra Tech INC does not maintain a central cloud database containing your financial records, we generally cannot recover financial data that has been permanently deleted from your device.
Information processed by third-party advertising, analytics, or payment providers may be retained according to their respective policies.
Hydra Tech INC does not:
Sell your financial information
Rent your financial information
Trade your financial information
Sell your loan records
Sell your payment history
Maintain a cloud database of your personal debt records
Intentionally share your financial records with advertising networks
Technical, advertising, diagnostic, analytics, or purchase-related information may be processed by third-party service providers as described in this Privacy Policy.
We may also disclose information if required by applicable law, legal process, court order, or governmental authority.
If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, applicable data protection laws may provide you with certain rights regarding your personal information.
DebtFree is designed to minimize the collection of personal financial information.
Loan, debt, and payment information entered into the application is stored locally on your device and is not maintained by Hydra Tech INC on a central server.
However, third-party services used by the application, including advertising, analytics, crash reporting, and payment services, may process certain technical, advertising-related, or purchase-related information.
Subject to applicable law, you may have the following rights:
Right to Access: You may request information about personal data processed by us.
Right to Rectification: You may request correction of inaccurate personal information.
Right to Erasure: You may request deletion of personal information that we control, subject to applicable legal requirements.
Right to Restrict Processing: You may request that processing of certain personal information be restricted.
Right to Data Portability: Where applicable, you may request your personal information in a commonly used and machine-readable format.
Right to Object: You may object to certain processing of your personal information.
Right to Withdraw Consent: Where processing is based on consent, you may withdraw your consent at any time.
Right to Complain: You may have the right to lodge a complaint with your local data protection authority.
Where required by applicable law, DebtFree may request your consent before showing personalized advertisements or allowing certain third-party advertising technologies to process information.
You may be presented with a consent or privacy choice screen when required.
Your advertising choices may depend on your device, operating system, region, and the advertising provider's available controls.
If you withdraw consent, certain personalized advertising features may no longer be available. You may still receive non-personalized advertisements where permitted.
Third-party providers such as Google, Meta, Unity, Firebase, and payment providers may independently process information according to their own privacy policies and applicable legal requirements.
You should review the privacy policies of these providers for additional information.
If you have a privacy request relating to information controlled by Hydra Tech INC, you may contact us at:
Email: patel002.nidhi@gmail.com
Please include sufficient information for us to understand and respond to your request.
Because DebtFree stores loan and debt records locally on your device, we generally cannot access or delete financial information that is stored only on your device.
You can delete locally stored financial information using the application's available deletion/reset functionality, by clearing the application's data through Android settings, or by uninstalling the application.
We will respond to valid privacy requests within the period required by applicable law.
DebtFree is intended for a general audience and is not specifically directed toward children.
We do not knowingly collect personal information from children through our own services.
If you believe that a child has provided personal information to us, please contact us at:
patel002.nidhi@gmail.com
We will review the request and take appropriate action where required.
DebtFree may contain links to third-party websites, services, or privacy policies.
Third-party websites and services operate independently from Hydra Tech INC.
We are not responsible for the privacy practices, security, or content of third-party websites or services.
We encourage users to review the privacy policies of third-party services before using them.
Depending on the features available in DebtFree, you may have the ability to:
Add or delete loan records
Delete payment records
Reset application data
Export your financial information
Import or restore backups
Enable or disable notifications
Manage Android permissions
Manage advertising preferences through Android or Google settings
Purchase premium features
Restore eligible purchases
Manage subscriptions through Google Play
Uninstall the application
You remain responsible for maintaining backups of information that you want to preserve.
DebtFree is designed with an offline-first approach for personal loan and debt records.
We do not intentionally transmit your financial records to advertising providers or Hydra Tech INC servers.
However, users should understand that information voluntarily exported or shared outside the application may no longer be protected by the application's local storage architecture.
Users are responsible for protecting any exported files, screenshots, backups, or other copies of their financial information.
We may update this Privacy Policy from time to time.
Changes may be made because of:
New application features
New premium features
Changes to advertising providers
Changes to analytics services
Changes to payment services
Changes in data practices
Changes in applicable laws or regulations
When this Privacy Policy is updated, the "Last Updated" date will be changed at the top of this page.
We encourage users to review this Privacy Policy periodically.
If you have any questions, concerns, feedback, or requests regarding this Privacy Policy or the DebtFree application, please contact us.
Developer: Hydra Tech INC
Application: DebtFree – Loan Planner & Payoff Calculator
Email: patel002.nidhi@gmail.com