Privacy Policy

ihavenodebt (“we”, “us”) is committed to protecting your privacy. This policy explains what personal data we collect, how we use it, and your rights under UK GDPR and applicable data-protection law.

Data we collect

• Account details: your email address and (optionally) your name.
• Financial tracking data you enter: debts, balances, interest rates and payments.
• Preferences such as your display currency.
• Limited technical data (e.g. approximate country, for currency defaults).

How we use it

We use your data solely to provide the service: to authenticate you, to display and calculate your debt tracking, and to operate paid features. We do not sell your data or share it with advertisers.

Security

Passwords are hashed (bcrypt) and never stored in plain text. Sessions are signed and stored in secure, HTTP-only cookies. Data is stored in an encrypted PostgreSQL database.

Your rights

You can export all of your data or permanently delete your account at any time from Settings. You may also contact us to exercise your rights of access, rectification, erasure and portability.

Contact

For any privacy questions, contact [email protected].