Debt to Legacy

Effective Date: January 1, 2026

Debt to Legacy LLC ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect your data when you use our mobile application and related services.

Information We Collect

We collect information you provide directly, including:

• Your quiz responses (5 yes/no financial readiness questions)
• Your email address, if voluntarily submitted
• Any other information you choose to provide

We may also collect non-personal technical data such as device type, operating system, and app usage patterns to improve our services.

How We Use Your Information

Your quiz responses are used exclusively to:

• Calculate your Financial Readiness Score (0-100)
• Determine your Financial Phase (Stabilize, Eliminate, or Build)
• Recommend an appropriate subscription plan for your situation
• Generate personalized improvement tips

Your email address, if provided, is used only to send relevant follow-up communications from Debt to Legacy LLC. We will not send spam or sell your email to third parties.

Data Sharing

We do not sell, rent, or share your personal information with third parties for marketing or any unrelated purposes. We may share data only as required by law or to provide our core services.

Data Security

We implement industry-standard security measures to protect your data against unauthorized access, disclosure, or destruction. All data is stored on secure, encrypted servers.

Your Rights (GDPR/CCPA)

You have the right to:

• Access your personal information
• Correct inaccurate data
• Delete your personal information
• Opt out of communications

To exercise these rights, contact us at info@debttolegacy.com.

Cookies and Tracking

Our app may use local storage to save your assessment results for a better user experience. No cross-site tracking is performed. We do not use advertising cookies or share data with advertising networks.

In-App Purchases and Subscriptions

Subscriptions are processed through the Apple App Store. We do not directly collect or store your payment information. Payment processing is handled entirely by Apple according to their privacy policy.

Data Retention

Quiz results are retained for up to 2 years to support your financial journey. You may request deletion at any time by contacting us.

Third-Party Services

We use secure, industry-standard hosting and database services. No quiz data is shared with advertising networks or data brokers.

Children's Privacy

Our services are not directed to individuals under 13 years of age. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this policy periodically. Continued use of our app constitutes acceptance of any changes. We will notify users of significant changes through the app.