Debt2Wealth Privacy Policy

1. Introduction and Scope

Debt2Wealth ("we," "us," "our") provides educational tools and content that help you understand structured debt payoff, cash flow, and long-term wealth-building concepts.

This Privacy Policy explains what information we collect, how we use it, how we share it, and the choices you have.

This policy applies to both of our online properties:

• "Site" means debt2wealth.org and all pages and content under it.
• "App" means the member platform at app.debt2wealth.org and the Debt2Wealth mobile app.
• "Services" means the Site and the App together.

By using the Services, you agree to the collection and use of information as described in this policy.

2. Information We Collect

We collect the following categories of information:

• Identifiers and contact details: name, email address, phone number, and address.
• Financial information you choose to submit: debt balances, account balances, interest rates, income ranges, and similar figures you enter for planning purposes.
• Account and profile information: login credentials and preferences if you create an account in the App.
• Device, browser, and usage data: IP address, device and browser type, pages viewed, and interactions with the Services.
• Communication records: emails, messages, and notes from calls or strategy sessions.

We do not collect payment card information. The Services are free to use and we do not collect payment information.

3. How We Collect Information

• Directly from you, when you submit a form, enter figures into the estimator, create an account, or communicate with us.
• Automatically, through the Site and App, using session storage, local storage, and standard server logs.
• From service providers, such as scheduling and communication tools you interact with.

4. How We Use Information

We use personal information to:

• provide, operate, and maintain the Services;
• generate and display payoff estimates and illustrations based on the numbers you enter;
• communicate with you about your request, your plan, or your account;
• improve the Services and develop new features;
• maintain security, prevent fraud, and enforce our Terms of Use; and
• comply with legal obligations.

We do not use your personal information to provide financial, investment, tax, legal, or accounting advice. The Services are educational.

5. SMS and TCPA Consent

By submitting your information, you consent to be contacted by phone, email, and SMS at the number provided, including by automated or prerecorded messages, regarding your request. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help at any time. We do not sell or share your mobile opt-in information, phone number, or SMS consent with any third party or affiliate for their own marketing purposes.

6. Cookies and Analytics

We use session and local storage to operate the Site, plus PostHog. We do not use third-party advertising cookies or cross-site tracking.

7. How We Share Information

We share personal information only with the following categories of recipients:

• hosting and infrastructure providers;
• communication and SMS delivery providers;
• scheduling tools;
• analytics providers; and
• professional service providers.

These are service providers bound by contract and are not permitted to use personal information for their own purposes. We do not sell personal information.

8. Data Retention

We retain personal information only as long as needed for the purposes described here, to maintain compliance records, or as required by law, after which it is deleted or de-identified.

9. Your Privacy Rights (California and Similar Laws)

If you are a California resident, you have the right to:

• know what personal information we collect, use, and disclose;
• access a copy of your personal information;
• delete your personal information;
• correct inaccurate personal information;
• opt out of the sale or sharing of personal information; and
• limit the use of sensitive personal information.

We do not sell personal information and we do not share it for cross-context behavioral advertising. You also have the right to non-discrimination for exercising any of these rights.

How to submit a request: email jeff@debt2wealth.org. You may make up to two requests in a 12-month period. We will respond within the timeframes required by law, generally within 45 days, and will tell you if we need an extension. If we cannot fulfill your request, you may appeal by replying to our response with the word "Appeal."

Authorized agents: you may use an authorized agent to submit a request on your behalf. We may ask for proof of your authorization and may still contact you directly to verify your identity.

10. Notice at Collection

When you submit information through our forms, we collect identifiers and contact details such as your name, email address, and phone number; the financial figures you choose to enter, such as debt balances, interest rates, and income ranges; and basic usage data. We use this information to generate your payoff estimate and illustrations, respond to your request, operate and improve the Services, and comply with law. We retain it only as long as needed for those purposes or as required by law. Read our full Privacy Policy for details.

11. Data Security and Breach Notification

We use commercially reasonable administrative, technical, and physical measures designed to protect personal information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If a breach affects your personal information, we will notify you and any applicable authorities as required by law.

12. Children's Privacy

The Site and App are intended for users 18 years of age or older. We do not knowingly collect information from anyone under 18. If we learn we have, we will delete it.

13. International Users

The Site and App are intended for users in the United States. If you access them from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

14. Changes to This Policy

We may update this policy from time to time. When we do, we will revise the "Last updated" date above and, where changes are material, provide additional notice. Your continued use of the Services after an update means you accept the revised policy.

15. How to Contact Us

Questions about this policy or your personal information: jeff@debt2wealth.org.