Privacy Policy

1. Introduction

Welcome to TalkDebt ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI debt coaching service.

2. Information We Collect

2.1 Information You Provide

• Account information: email address, password (encrypted)
• Financial information: debt details, payment history, financial goals
• Conversation data: messages exchanged with our AI coach
• Profile information: name, occupation, monthly payment budget

2.2 Automatically Collected Information

• Usage data: how you interact with our service
• Device information: browser type, device type
• Log data: IP address, access times, pages viewed

3. How We Use Your Information

We use your information to:

• Provide and improve our AI debt coaching service
• Generate personalized debt payoff plans
• Process payments and manage subscriptions
• Communicate with you about your account and service
• Ensure security and prevent fraud
• Comply with legal obligations

4. Data Storage and Security

Your data is stored securely using industry-standard encryption methods. We use Supabase for data storage, which provides:

• Encryption at rest and in transit
• Row-level security policies
• Regular security audits

Important: We do not connect to your bank accounts. You manually enter your financial information, giving you complete control over what data you share.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party services that help us operate (e.g., payment processors, hosting providers)
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

6. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data
• Export your data
• Opt-out of certain data processing
• Cancel your account at any time

To exercise these rights, please contact us at support@talkdebt.com

7. Cookies and Tracking

We use cookies and similar technologies to improve your experience, analyze usage, and provide personalized content. You can control cookies through your browser settings.

8. Children's Privacy

Our service is not intended for users under 18 years of age. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

10. Contact Us

If you have questions about this Privacy Policy, please contact us at:

Email: support@talkdebt.com