Privacy Policy
Last updated: October 15, 2026
This Privacy Policy describes how information is handled in Debt Payoff (Japanese name: 返済管理; the "App").
1. Basic policy
The operator stores the information you enter in the App on your device. Except as described in this policy, it is not sent outside your device or shared with third parties.
2. Information handled and purposes
| Information | Purpose | Where it is stored |
|---|---|---|
| Lender names, balances, interest rates, due dates, minimum payments, payment and borrowing records, simulation settings | Calculating and displaying balances, interest and payoff dates; building a repayment plan | On your device (in your own iCloud if you turn on iCloud sync) |
| Planned income and expenses, cash on hand (only if you use the Premium cash flow calendar) | Forecasting your cash balance and warning about shortfalls | On your device (in your own iCloud if you turn on iCloud sync) |
| Information related to ad delivery (approximate location inferred from IP address, device identifiers such as the advertising identifier, ad impressions and taps, app activity) | Serving and measuring ads | Collected by Google LLC (not stored by the operator of the App) |
The App does not collect information that directly identifies you, such as your name, email address, phone number or postal address. No account is required.
3. Where data is stored
Information entered in the App is stored on your device. It is not sent to any server operated by the operator.
4. iCloud sync
If you turn on iCloud sync in the App's settings, your data is stored in your own private area of iCloud (CloudKit), provided by Apple Inc., and synced between devices signed in with the same Apple ID.
Only your Apple ID can access this data; the operator cannot view or retrieve it. For how Apple handles data in iCloud, see Apple's Privacy Policy (https://www.apple.com/legal/privacy/).
5. Notifications
The App's reminders are local notifications created on your device. No information is sent anywhere to deliver them.
6. Face ID lock
The lock feature uses iOS biometric authentication (Face ID or Touch ID) or your passcode. The App never collects or stores biometric data such as your face or fingerprint.
7. Widget
The summary shown in the widget is stored in a shared area on your device used by the App and its widget. It is not sent anywhere.
8. Backup files
If you export a backup, the file is saved to the location you choose (the Files app, iCloud Drive, etc.). You are responsible for managing that file.
9. Advertising
The App uses Google AdMob, an advertising service provided by Google LLC. To serve ads, Google may collect the information listed above.
The advertising identifier (IDFA) is used for ads tailored to your interests only if you allow it in the App Tracking Transparency prompt. You can change this at any time in Settings → Privacy & Security → Tracking on your iPhone.
In the European Economic Area, the United Kingdom and Switzerland, a consent screen provided by Google is shown before any ad is displayed. You can change your choices at any time from the App's Settings ("Ad privacy settings").
The loans, records and other information you enter in the App are never sent for advertising purposes.
For how Google handles information, see Google's Privacy Policy (https://policies.google.com/privacy) and its advertising page (https://policies.google.com/technologies/ads).
10. In-app purchases
In-app purchases are processed by Apple Inc.'s App Store. The operator never receives payment details such as credit card numbers.
11. Sharing with third parties
The operator does not share your information with third parties except where required by law.
The App uses the following external service:
- Google AdMob (Google LLC): ad delivery — https://policies.google.com/privacy
12. Deleting your data
Because the App's data is stored on your device, deleting the App removes all of your records. Deleted data cannot be recovered. If you used iCloud sync, you can delete the App's data from Settings → your name → iCloud → Manage Account Storage on your iPhone.
13. Children
The App is not intended for use by children under 13.
14. Changes to this policy
This policy may change in response to changes in the law or new features of the App. Significant changes will be announced in the App or on this page.
15. Contact
For questions about this policy, contact: s--y--business@outlook.com