My Debt Coach helps you organize debts and plan payoffs. This policy explains what we store, what we do not connect to, and how we protect it.
Information we collect
We store the debt and payment details you enter manually (account names, balances, rates, due dates, payment history, and optional notes) so we can show tracking and payoff projections. We also store sign-in details (such as email) and optional profile settings (such as display name or phone). We do not ask for bank login credentials, routing numbers, full card numbers, or Social Security numbers.
What we do not connect to
My Debt Coach does not link to your bank or card accounts. We do not pull transactions automatically, and we do not send payments on your behalf. You enter balances and record payments yourself. We never receive your bank login or account numbers.
How we use information
We use your data to provide the product: dashboards, schedules, reminders you enable, and payoff planning. We also use limited usage and support data to operate, troubleshoot, and improve the product. We do not sell your personal financial data.
How we protect your data
Data travels between your browser and our servers over HTTPS (encrypted in transit). Data is stored on encrypted infrastructure from our hosting and database providers (encrypted at rest). When you are signed in, only your account can access your data. Passwords are handled by our authentication provider and are not stored as plain text in the app database.
Sharing
We use infrastructure providers (for example hosting, database, and authentication) that process data on our behalf to run the service. We do not sell your personal financial data. Optional advertising tags only load if you allow marketing cookies.
Cookies and analytics
We use necessary cookies to run the app, including sign-in and security. These are required for the service to work.
If you agree, we also load Google Tag Manager so we can measure site use with Google Analytics (GA4) and, if you allow marketing, advertising tags. You can accept, reject, or change this anytime from Cookie settings in the footer or in Settings.
Your choices
You can update profile details, export a copy of your data, clear financial records, or permanently delete your account from Settings while signed in. You can also change optional analytics and marketing cookies from Cookie settings in the footer or in Settings. Email support@mydebtcoach.app if you need help.
How to delete your data
You can delete your My Debt Coach data yourself in the app. Sign in at https://mydebtcoach.app, open Settings (https://mydebtcoach.app/settings), then use the options below.
To download a copy first: in Settings, open Export data and download the ZIP of your profile, accounts, payment history, pay-later plans, and notifications.
To remove only financial records and keep your login: in Settings, under Danger zone, choose Delete financial data. This permanently deletes accounts, transactions, and pay-later plans. Your sign-in stays active.
To permanently delete your entire account and all associated data: in Settings, under Danger zone, choose Delete account. Confirm by typing DELETE MY ACCOUNT. This permanently deletes your login, profile, debts, payment history, pay-later plans, and notifications. This cannot be undone.
If you cannot access Settings, email support@mydebtcoach.app from the address on your account and ask us to delete your data. We will confirm when deletion is complete.
Updates
We may update this policy as the product evolves. The "Last updated" date on this page reflects the latest change.
Contact
Questions about this policy can be sent to support@mydebtcoach.app.