Debt Plan
Debt Plan
Last updated: August 19, 2026
This Privacy Policy explains how Debt Plan: Payoff Tracker (“Debt Plan”, “the App”) handles information when you use the application.
Debt Plan is developed by Krepel Studio.
Debt Plan is a personal debt tracking and payoff planning application.
The App allows users to manually record debts, balances, minimum payments, interest rates, planned payments, completed payments, and other information needed to create and track a personal debt payoff plan.
Debt Plan is not a bank, lender, payment processor, credit provider, or financial advisor.
The App does not:
issue loans or credit;
accept loan applications;
connect to bank accounts;
transfer money;
make payments on behalf of users;
provide professional financial advice.
All financial transactions are performed by users independently outside the App.
Users may manually enter information such as:
debt names;
current and original debt balances;
minimum payment amounts;
payment dates;
interest rates;
planned payments;
completed payments;
debt increases or adjustments;
currency preferences;
other debt-related information required for calculations.
This information is stored locally on the user's device and is used only to provide the App's debt tracking, payment planning, progress tracking, and payoff calculation features.
Krepel Studio does not operate a server that receives or stores this debt information.
Debt Plan is designed to work locally on your device.
Debt records, payment history, repayment plans, settings, and related information are stored in the App's local storage.
The App does not require:
account registration;
a Krepel Studio account;
cloud synchronization;
connection to a bank account.
Users can modify or delete debt records and payment information directly within the App.
Because Debt Plan does not maintain user accounts or a server-side database for this information, Krepel Studio does not maintain a separate online copy of your debt records.
The free version of Debt Plan may display advertisements provided by Google AdMob, a service provided by Google.
The Google Mobile Ads SDK may automatically collect and share certain information, including:
IP address, which may be used to estimate a device's general location;
interactions with the App and advertisements, such as app launches, taps, and video views;
diagnostic and performance information;
device and account identifiers, including advertising identifiers where available.
Google may use this information for purposes including:
displaying and measuring advertisements;
advertising services;
analytics;
fraud prevention and security.
Information transmitted by the Google Mobile Ads SDK is handled according to Google's own privacy practices and policies.
Depending on your location, applicable law, and advertising settings, additional consent or privacy choices may be presented regarding personalized advertising.
Users who purchase the Pro version may receive an ad-free experience as described in the App.
Debt Plan may offer an optional Pro upgrade through Google Play.
Purchases are processed through the Google Play billing system.
Krepel Studio does not directly process or store users' full payment card or banking information.
The App may receive information necessary to determine the status of a Google Play purchase and whether Pro features should be enabled.
Payment processing and related information are governed by Google's own terms and privacy policies.
Krepel Studio does not sell users' personal information or manually entered debt information.
Debt information entered into Debt Plan is not shared by Krepel Studio with advertisers or other third parties.
However, third-party services integrated into the App, such as Google AdMob and Google Play, may collect and process certain device, advertising, diagnostic, usage, or transaction-related information as described in their own privacy policies.
Debt Plan stores user-created debt and payment information locally on the device.
Krepel Studio does not transmit this manually entered debt information to its own servers.
Third-party services integrated into the App are responsible for protecting information transmitted to their systems according to their own security and privacy practices.
No method of electronic storage or transmission can be guaranteed to be completely secure.
Debt and payment information stored by Debt Plan remains on the user's device until it is modified or deleted by the user or removed as part of the App's local data.
Users can delete individual debts, payments, and related records using the controls provided within the App.
Debt Plan does not provide user accounts and Krepel Studio does not maintain a server-side database containing users' debt records.
Information collected independently by Google AdMob, Google Play, or other Google services is retained and deleted according to Google's own data retention policies.
Debt Plan may contain financial information manually entered by the user for personal tracking and calculation purposes.
This information is used only to provide debt management and payoff planning functionality within the App.
Debt Plan does not perform banking transactions and does not access users' bank accounts, credit card accounts, or lender systems.
All calculations and payoff projections are informational estimates only. Actual balances, interest charges, fees, payment requirements, and payoff dates may differ from calculations shown in the App.
Users should verify financial information directly with their bank, lender, creditor, or other relevant financial institution.
Debt Plan is intended for general adult financial organization and is not designed or directed specifically toward children under the age of 13.
Krepel Studio does not knowingly collect personal information directly from children through its own servers.
Debt Plan may use third-party services provided by Google, including:
Google AdMob;
Google Play;
Google Play Billing.
These services operate under their own terms of service and privacy policies.
Krepel Studio does not control how Google independently processes information collected through these services.
This Privacy Policy may be updated when the App's functionality, third-party services, legal requirements, or data handling practices change.
The latest version will be made available through the Privacy Policy page linked from Debt Plan and its Google Play listing.
The “Last updated” date at the top of this document indicates when the Privacy Policy was most recently revised.
If you have questions about this Privacy Policy or how Debt Plan handles information, contact:
Developer: Krepel Studio
App: Debt Plan: Payoff Tracker
Email: Krepelstudio@gmail.com