PayoffPath Privacy Policy
PayoffPath is a debt-payoff planner for iPhone. This policy explains what the app stores and what it does not collect. PayoffPath does not operate an account server for your debts, and it does not sell or share your information.
What we store
PayoffPath keeps your debt balances, payment history, and plan settings in on-device storage (SwiftData) on your iPhone. That information stays on the device unless you choose to back it up or export it yourself. We do not receive a copy of those records.
No bank login
The app never asks for bank usernames, passwords, or account numbers, and it does not connect to your bank. You enter balances manually.
Purchases
PayoffPath Pro is a one-time purchase sold by Apple. Payment details are handled by Apple under Apple’s Privacy Policy. PayoffPath only receives an entitlement showing whether your Apple ID owns Pro or has an active legacy Pro subscription. We do not receive your card number or billing address.
Notifications
If you turn on payment reminders, the app schedules local notifications on your device. Reminder text is not sent to a PayoffPath server.
Widgets
Home Screen widgets read a short summary — balances, debt-free date, and Extra focus — through an App Group on the same device. Widget data does not leave the device.
iCloud backup and export
If you choose “Back up to iCloud,” a copy of your debts, payments, and plan settings is saved in your personal iCloud account. Apple stores that file under your Apple ID. PayoffPath does not operate a server that receives the backup. You can also export a JSON file yourself and store it wherever you choose. Deleting the app removes the on-device copy. To remove an iCloud copy, delete that backup from iCloud Drive or from Settings → Apple ID → iCloud → Manage Account Storage.
Diagnostics and tracking
PayoffPath does not use advertising identifiers, analytics SDKs, or cross-app tracking. The privacy nutrition label for this app is “Data Not Collected.”
Children
PayoffPath is not directed at children under 13, and we do not knowingly collect personal information from children.
Your choices
You can delete the app at any time to remove local data. You can turn reminders off in the app or in iOS Settings. Lifetime Pro does not renew. If you have an older Pro subscription, you can manage or cancel it in your Apple ID subscription settings.
Contact
Questions about this policy: use the support contact on the PayoffPath page in the App Store. You can also review the same policy inside the app under More → Privacy Policy.