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Last Updated: 4/1/26

Privacy Policy

1. Who We Are

Out From Under Debt (“OFU,” “we,” “our,” or “us”) provides tools designed to help users better understand, organize, and improve their financial lives.

We believe:

  • You’re not bad with money—you just never had the right system.
2. Information We Collect

A. Information You Provide

  • Name
  • Email address
  • Account login details
  • Financial details you manually enter (income, expenses, debts)

B. Financial Data (Connected Accounts)

  • If you choose to connect your financial accounts, we use Plaid to securely access:
  • Account balances
  • Transaction history
  • Account type and metadata

Important:

  • We do NOT store your bank login credentials
  • Credentials are handled directly by Plaid

C. Automatically Collected Information

  • Device information
  • IP address
  • Usage data
  • Cookies (for website performance and analytics)
3. How We Use Your Information

We use your data to:

  • Build your personalized financial plan
  • Help you track spending and debt payoff
  • Provide insights, reminders, and progress tracking
  • Improve the app and user experience
  • Communicate with you
  • We do not use your data to sell to third parties.
4. How We Share Information

We only share data when necessary:

  • With service providers (hosting, analytics, support tools)
  • With Plaid for account connections
  • If required by law
  • We do not sell your personal data.
5. Data Security

We implement:

  • Encryption
  • Secure infrastructure
  • Access controls
  • However, no system is completely secure.
6. Data Retention

We retain your data:

  • While your account is active
  • As required for legal or operational purposes
  • You may request deletion at any time.
7. Your Rights

You may:

  • Access your data
  • Request deletion
  • Disconnect financial accounts
8. Cookies & Tracking

We use cookies to:

  • Improve website performance
  • Understand usage patterns
  • You can disable cookies in your browser settings.
9. Third-Party Services
  • We may link to third-party tools.
  • We are not responsible for their privacy practices.
10. Children’s Privacy
  • OFU is not intended for users under 18.
11. Updates
  • We may update this policy. Continued use = acceptance.
12. Contact

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