Privacy Policy

Last updated: August 14, 2026

The short version: Debt Ladder is local-first. Your debts, balances, interest rates, and payment history are stored only on your device and are never sent to us or any server. There is no account, no cloud backend, and no bank linking of any kind.

1. Who we are

Debt Ladder is published by Adelyons Software LLC ("we", "us"). You can reach us at dev@adelyons.com.

2. What we collect

We do not collect your financial information. Debt Ladder works entirely on your device. The following stay on your phone and are never transmitted to us:

The debts you enter — name, balance, APR, minimum payment, and due day
Your payment history, including extra payments and check-ins
Your chosen strategy, monthly budget, plan projections, and debt-free date
Your settings and reminder preferences

There is no sign-up, no login, and no profile.

3. No bank connections

Debt Ladder has no bank-linking feature. We do not use Plaid or any other aggregator, we never ask for bank credentials, and we have no ability to read your accounts, balances, or transactions. Every number in the app is one you typed in yourself.

4. Purchases

If you buy Debt Ladder Pro, the purchase is processed by Apple or Google and validated through RevenueCat, Inc. To do this, a purchase record and an anonymous app-instance identifier are shared with those providers. This data is used only to verify your purchase and is not linked to your identity by us. We never send them your debts, balances, or payments. See RevenueCat's privacy policy, and Apple's or Google's, for how they handle purchase data.

5. Device permissions

Notifications — optional, and used only for the local reminders you turn on: your monthly check-in and per-debt due dates. Reminders are scheduled on the device; no reminder content is sent to a server.

You can grant or revoke this permission anytime in your device settings.

6. Analytics and tracking

Debt Ladder does not track you and does not contain advertising. We do not collect analytics about your debts, your balances, or the content of your plan, and we do not sell or share personal information — we do not have any to sell.

7. Children

Debt Ladder is not directed to children under 13, and we do not knowingly collect personal information from children.

8. Your control

Because everything is stored locally, you are in full control. Deleting a debt removes it from your device. Uninstalling the app removes all of its on-device data. We operate no server and hold none of your plan data. The one off-device record is the anonymous purchase validation held via RevenueCat if you bought Pro — it can be deleted on request: see our data deletion page. There is no account for you to close.

9. Changes

We may update this policy from time to time. Material changes will be reflected here with a new "last updated" date.

10. Contact

Questions about this policy? Email dev@adelyons.com.