Privacy Policy

Last Updated: 19 May, 2026

1. Introduction

Welcome to Debt Manager, Your Path to Financial Peace of Mind. Managing money is tough; managing debt is tougher. Debt Manager was built to eliminate the guesswork from debt payoff. We bring all your liabilities into a single, secure space and give you the tools to destroy them efficiently.

2. Description

Struggling to keep track of who you owe and who owes you? Stop the spreadsheet stress and ditch the sticky notes. Debt Manager is the clean, intuitive, and powerful tool designed to help you organize your loans, track your repayments, and finally achieve peace of mind.

Key Features:

• Dual Tracking: Effortlessly manage both debts (money you owe) and debtors (money owed to you) in one centralized dashboard.

• Payment History: Log every partial payment with dates and notes to maintain a transparent paper trail.

3. Our Commitment to Privacy

We know that your financial data is deeply personal. That’s why Debt Manager is built with security first.

• We Never Sell Your Data: Your financial information, account details, and personal data will never be sold or shared with third-party advertisers.

• Bank-Grade Security: We use advanced encryption to ensure your data remains confidential and secure.

• You're in Control: You choose what information to share, and you can delete your account and data at any time.

Your trust is our highest priority. We’re here to help you manage your debt, not your data.

4. Collecting and Using Your Personal Data

• Zero Data Collection: Debt Manager does not collect, store, or transmit any personal data, identifying information, or location data.

• Local Processing: All Financial data generation occurs locally on your device. No data is sent to external servers or shared with third parties.

• No Analytics: We do not use cookies or tracking pixels to monitor your behavior within the app.

5. Permissions

Debt Manager is built to be lightweight and privacy-respecting:

• INTERNET : This is an "online" app, needs to access the internet.

• ACCESS_NETWORK_STATE : This allows the app to ask the phone, "Are we connected to Wi-Fi, 5G, or are we offline?"

6. Data Security

We implement industry-standard security measures to ensure the integrity of the app. Since we do not collect personal data, the risk of your information being compromised through our service is non-existent.

7. Children’s Privacy

Debt Manager is safe for users of all ages. We do not knowingly collect information from children under the age of 13. If we discover that any personal data has been inadvertently provided by a minor, we will delete it immediately.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to stay current with new regulations or features. Any changes will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.

9. Contact Us

If you have any questions or concerns regarding this Privacy Policy or the Debt Manager app, please contact us at:

Email: ranaayush737@gmail.com