1. Who We Are

ClearMyDebt is operated by Weelco Inc. ("we", "us", or "our"). This Privacy Policy explains how we collect, use, and protect information when you use our Service.

2. Information We Collect

Financial data you enter (debt amounts, rates, payments) is processed entirely client-side in your browser. This data is never transmitted to our servers and is not stored or accessible by Weelco Inc.

We may collect the following limited information:

• Usage data: Pages visited, time spent, general geographic region (country/state level), device type, and browser type via standard analytics tools.
• Payment data: If you purchase a PDF report, payment is processed by Stripe. We receive only a confirmation of payment — your card details are never shared with or stored by Weelco Inc.
• Contact form submissions: If you contact us, we collect your name, email address, and message content.

3. How We Use Information

• To operate and improve the Service
• To process payments and deliver purchased reports
• To respond to support requests
• To analyze aggregate usage trends (no individual profiling)
• To comply with legal obligations

4. Data We Do Not Collect

• We do not collect, store, or transmit your debt balances, interest rates, or financial details
• We do not collect Social Security numbers, bank account numbers, or credit card numbers
• We do not create user accounts or store personal financial profiles
• We do not track you across other websites

5. Cookies and Tracking

We may use cookies and similar technologies for:

• Analytics (e.g., Google Analytics) to understand aggregate usage
• Session functionality to maintain your experience

You can disable cookies in your browser settings. This will not affect your ability to use the core calculator functionality.

6. Third-Party Services

We use the following third-party services:

• Stripe — payment processing. Subject to Stripe's Privacy Policy.
• Netlify — website hosting. Subject to Netlify's Privacy Policy.
• Google Analytics — usage analytics. Subject to Google's Privacy Policy.

We do not sell, rent, or share your personal information with any other third parties.

7. Data Retention

Contact form messages are retained for up to 12 months. Payment records are retained as required by law (typically 7 years). Analytics data is retained per the respective third-party provider's policies.

8. Your Rights

Depending on your location, you may have the right to:

• Access information we hold about you
• Request deletion of your data
• Opt out of analytics tracking
• Lodge a complaint with a supervisory authority

To exercise any of these rights, contact us at privacy@clearmydebt.us.

9. Children's Privacy

The Service is not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us immediately.

10. Security

We implement industry-standard security measures to protect the limited information we collect. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by updating the "Last updated" date. Continued use of the Service constitutes acceptance of the updated policy.

12. Contact Us

For privacy-related questions: privacy@clearmydebt.us

Weelco Inc., United States