Privacy Policy for DebtZero

Effective Date: July 2026

1. Introduction

This Privacy Policy applies to the DebtZero mobile application (the "App") developed and maintained by Khaleb (Zero State AI). We take your privacy extremely seriously. DebtZero is a tool designed to help you manage your finances, and we understand that financial data is highly sensitive.

2. Information We Collect

When you use DebtZero, we may collect the following information:

• Account Information: Email address and password (securely managed by Firebase Authentication).
• Financial Data: The debts, bills, income streams, and goals you manually input into the App.
• Usage Data: Anonymous analytics to help us improve the App.

We DO NOT connect directly to your bank accounts (no open banking integration). All data is manually inputted by you.

3. How We Use Your Information

• To provide, maintain, and improve the App.
• To securely sync your financial data across your devices using Google Firebase Firestore.
• To provide personalized AI financial strategies (via Google Gemini API).

4. Third-Party Services

We use the following third-party services which have their own strict privacy policies:

• Google Firebase: For authentication and database hosting.
• Google Gemini: For AI processing. (Your personal financial data is processed anonymously to generate strategies and is NOT used to train public AI models).
• RevenueCat: For processing in-app subscriptions securely. We do not store or process your credit card information.

5. Data Security

We use industry-standard encryption (Firebase) to protect your data in transit and at rest. Only you have access to your raw financial data via your authenticated account.

6. Your Rights

You have the right to request the deletion of your account and all associated data at any time directly within the App (Settings -> Delete Account), or by contacting us.

7. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: support@zerostate.ai