DebtClarity Privacy Policy
JesterMedia
Short version: DebtClarity uses the debt numbers you manually enter to build payoff plans. We do not connect to your bank, sell your financial data, or use your debt details for advertising.
DebtClarity is available for iOS and Android.
Information We Collect
DebtClarity may collect your email address, Apple sign-in identifier, or Google sign-in identifier through Firebase Authentication so you can create a profile. The app stores debt names, balances, APRs, minimum payments, due days, payoff strategy, extra-payment settings, owner/shared flags, notes, and monthly planning preferences that you enter.
How We Use Information
- To sign you in and manage your profile.
- To calculate snowball and avalanche payoff plans.
- To back up signed-in DebtClarity data with Firebase so it can restore on another device.
- To provide subscriptions, restore purchases, and remove ads for Premium users.
- To measure product interactions and app usage with Firebase Analytics, linked to your Firebase User ID when signed in.
- To receive Google Mobile Ads SDK diagnostics and improve ad reliability.
Advertising
The free version may show ads through Google AdMob and its mediation partners: ironSource/LevelPlay, Liftoff Monetize (Vungle), and Unity Ad Quality. These providers may process device advertising identifiers, product interactions, advertising data, and approximate location derived from your IP address to deliver, measure, prevent fraud in, and personalize ads where permitted. Debt details you enter are not sent to advertising providers. Premium users do not see banner ads inside DebtClarity.
Advertising identifiers are shared with the ad partners above to build cross-app and cross-site profiles; Apple's App Tracking Transparency permission and your device advertising settings control whether this tracking is allowed.
Analytics and Diagnostics
DebtClarity uses Firebase Analytics to measure app usage and product interactions. When you are signed in, the app sets a Firebase User ID, so these analytics events are linked to your account. We do not intentionally send debt names, balances, APRs, payment amounts, or notes as custom analytics parameters.
The Google Mobile Ads SDK may collect diagnostics and crash data for ad delivery, measurement, fraud prevention, and reliability. DebtClarity does not include Firebase Crashlytics.
Bank Connections
DebtClarity does not request, collect, or store bank credentials. All balances are manually entered by you.
Third-Party Services
- Firebase Authentication and Firestore by Google for sign-in and cloud backup.
- Firebase Analytics by Google for product-interaction analytics linked to a Firebase User ID when signed in.
- Google AdMob, ironSource/LevelPlay, Liftoff Monetize (Vungle), and Unity Ad Quality for free-tier advertising, mediation, measurement, personalization where permitted, fraud prevention, and diagnostics.
- Apple App Store for subscriptions and billing on iOS.
- Google Play for Android distribution and billing.
Data Deletion
You can delete your profile from Settings in the app. This removes your Firebase Auth profile, attempts to delete the cloud backup for the current user, and clears local DebtClarity data on the device. You may also contact support@jestermedia.app for help.
Your Privacy Choices
If you are in the European Economic Area, United Kingdom, Switzerland, or another region where consent is required, Google's User Messaging Platform presents a consent prompt before eligible advertising storage or personalization. You can change your choice by reopening Privacy Options in the app's Settings and can separately change tracking permission in iOS Settings or advertising choices in your device settings.
Depending on where you live, including under the CCPA/CPRA and VCDPA, you may have rights to access, correct, delete, or obtain a copy of personal information, and to opt out of targeted advertising or the sale or sharing of personal information. To opt out of sharing for cross-context behavioral advertising, deny tracking, reset or limit the device advertising identifier, use the app's Privacy Options, or email support@jestermedia.app. We will not discriminate against you for exercising a privacy right.
Children's Privacy
DebtClarity is not directed to children under 13, and we do not knowingly collect personal information from children under 13.
Website visits, retention, and additional choices
This notice describes the app. Website hosting and optional website analytics are described in the JesterMedia website privacy notice. Website choices do not change app settings. Data retention depends on the feature, account status, your deletion requests, provider processing, and necessary security, transaction, or legal records. You may contact us to ask about retention, exercise applicable access, correction, deletion or advertising opt-out rights, or appeal our response. Material changes will be notified and consent requested where required; this notice does not retroactively authorize a new data use.
Contact
Email support@jestermedia.app with privacy questions or deletion requests.