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    ClearDebt
    Legal

    Privacy Policy

    ClearDebt LLC · Effective April 4, 2026

    Overview

    ClearDebt ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how ClearDebt LLC collects, uses, stores, and shares information when you use our website and web application at https://cleardebt.credit (the "Service"). By using the Service, you agree to the practices described in this policy.

    Information We Collect

    Information You Provide Directly

    • Account registration data: name, email address, and password.
    • Debt and financial data: account balances, interest rates, minimum payments, creditor names, and other financial details you manually enter.
    • Financial documents: credit card statements, loan statements, or other financial documents you optionally upload to the Service.
    • Payment information: billing details processed through our third-party payment processor (Stripe) when you subscribe to a paid plan.
    • Communications: messages you send to our support team.

    Information Collected Automatically

    • Usage data: pages visited, features used, time spent, and interactions within the Service.
    • Device and browser data: IP address, browser type, operating system, and referring URLs.
    • Cookies and similar technologies: session cookies required for authentication and functional cookies that remember your preferences. See our cookie usage details below.
    • Log data: server logs including access times, error logs, and request metadata.

    Information from Third Parties

    • Authentication providers: if you sign in via Google or another OAuth provider, we receive your name and email from that provider.
    • Affiliate partner data: if you click a balance transfer card or affiliate link, our affiliate partners may share aggregate click and conversion data with us.

    Uploaded Financial Documents

    When you upload financial statements or documents to ClearDebt, we want to be transparent about how that data is handled:

    • Documents are stored securely using Supabase Storage, which uses encrypted cloud infrastructure.
    • Uploaded documents are used solely to extract financial data (such as balances and APRs) to populate your debt dashboard. We do not sell, share, or use uploaded documents for any other purpose.
    • You may delete your uploaded documents at any time through your account settings. Upon deletion, documents are removed from our storage systems.
    • We do not use your uploaded documents to train AI or machine learning models.
    • Access to your documents is restricted to your authenticated account and authorized personnel for support or security purposes only.
    ClearDebt is not a financial institution. We do not store your full account numbers, Social Security numbers, or banking credentials. We strongly recommend redacting sensitive identifiers before uploading statements.

    How We Use Your Information

    • Provide, operate, and improve the Service and its features.
    • Generate debt payoff projections (Avalanche, Snowball, Hybrid) based on the financial data you enter.
    • Process subscription payments and manage your account.
    • Send transactional emails (account confirmations, payment receipts, alerts you configure).
    • Respond to customer support requests.
    • Monitor for fraud, security incidents, and abuse.
    • Comply with applicable laws and legal obligations.
    • Analyze aggregate, anonymized usage trends to improve the product.
    • Display relevant affiliate offers (balance transfer cards) based on your debt profile, without sharing your personal data with affiliates.

    How We Share Your Information

    We do not sell your personal information. We share information only in the following limited circumstances:

    Service Providers

    We share information with trusted third-party vendors who help us operate the Service, including: Supabase (database and file storage), Stripe (payment processing), email delivery services, and analytics providers. These vendors are contractually obligated to protect your data and may not use it for their own purposes.

    Affiliate Partners

    If you click an affiliate link (e.g., a balance transfer card offer), your click may be tracked by our affiliate partners (such as CardRatings.com or card issuers) via cookies or tracking pixels they operate. We share only the minimum data necessary for attribution (e.g., a click ID). We do not share your name, debt details, or account data with affiliate partners.

    Legal Requirements

    We may disclose information if required to do so by law, court order, or governmental authority, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

    Business Transfers

    In the event of a merger, acquisition, or sale of all or substantially all of our assets, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on the Service before your data is transferred and becomes subject to a different privacy policy.

    Data Retention

    We retain your account data for as long as your account is active. If you delete your account, we will delete or anonymize your personal data within 30 days, except where we are required to retain it for legal, tax, or fraud-prevention purposes. Uploaded documents are deleted upon your request or upon account deletion.

    Security

    We implement industry-standard security measures to protect your information, including TLS encryption in transit, encrypted storage at rest, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to use a strong, unique password and to contact us immediately at [email protected] if you suspect unauthorized access to your account.

    Your Privacy Rights

    Depending on your state of residence, you may have the following rights regarding your personal information:

    • Access: request a copy of the personal information we hold about you.
    • Correction: request that we correct inaccurate or incomplete information.
    • Deletion: request that we delete your personal information, subject to certain exceptions.
    • Portability: request your data in a machine-readable format.
    • Opt-out of marketing emails: use the unsubscribe link in any marketing email or contact us directly.
    To exercise any of these rights, contact us at [email protected]. We will respond within 30 days. We do not discriminate against users who exercise their privacy rights.

    Cookies & Tracking

    We use the following types of cookies:

    Essential Cookies

    Required for authentication and core app functionality. These cannot be disabled without breaking the Service.

    Analytics Cookies

    Help us understand how users interact with the Service. These are anonymized and aggregated.

    Affiliate Tracking

    If you click an affiliate card offer, third-party affiliate networks may place cookies to track the referral. This is governed by their respective privacy policies.

    You can configure your browser to refuse cookies. Note that disabling essential cookies will prevent you from logging in.

    Children's Privacy

    ClearDebt is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will delete it promptly. Contact us at [email protected] if you believe a child has submitted information to us.

    Changes to This Policy

    We may update this Privacy Policy from time to time. When we make material changes, we will notify you by email or by posting a prominent notice on the Service at least 14 days before the change takes effect. Your continued use of the Service after that date constitutes acceptance of the updated policy.

    Contact Us

    If you have questions or concerns about this Privacy Policy or our data practices, please contact us at: ClearDebt LLC Email: [email protected] Website: https://cleardebt.credit