Privacy Policy
My Debt Lens is a product of Oll Korrekt LLC, a limited liability company formed in the State of Colorado, United States, and works with sensitive financial-planning information. This policy explains what is collected, why it is used, how analytics and consent work, and where privacy boundaries apply.
This Privacy Policy explains how Oll Korrekt LLC, a limited liability company formed in the State of Colorado, United States, doing business as My Debt Lens, handles data in relation to the My Debt Lens website, authenticated workspace, reports, billing, support, analytics, and related features.
My Debt Lens helps you understand debt balances, interest cost, payment timing, monthly pressure, scenario choices, reminders, and generated reports. To do that, the app uses information you enter, save, or choose to submit.
We use that information to run the service, generate reports, save planning history, enforce plan limits, provide support, protect the app, improve reliability, and create privacy-safe aggregate insights where allowed.
We collect account details such as email address, authentication method, access plan, subscription status, billing status, passkey status where enabled, and account settings. My Debt Lens does not require a real-world name to create a standard account.
We collect the details you save in the app, which may include debt names, balances, APRs, payment amounts, due dates, debt roles, income, monthly expenses, emergency-fund targets, retirement or employer-match context, ZIP/local context, credit-context inputs, and scenario assumptions.
Generated reports and payoff workbooks may include saved report metadata and files, depending on your plan and retention settings. Calendar tools may process due dates, reminders, income timing, fixed expense timing, ICS downloads, and Google Calendar connection status. Support or Ask My Debt Lens workflows may process the messages needed to provide the feature or handle a restricted support, security, or legal situation. If you voluntarily type real names, account numbers, government identifiers, or other personal identifiers into free-text fields, those identifiers may become part of the saved content or restricted support/security records even though My Debt Lens does not request them.
We collect privacy choices, cookie-consent state, basic device/browser information, coarse usage events, error/reliability events, and ordinary server request metadata so the app can operate safely and improve over time.
Required cookies keep sign-in, account security, billing redirects, passkeys, maintenance checks, and privacy-choice storage working. Optional public visitor analytics is off unless you allow it.
My Debt Lens may use Cloudflare or similar security/proxy infrastructure to protect the site, terminate HTTPS, route traffic, and improve log accuracy. Optional public analytics choices do not turn off security, reliability, or server-log processing that is necessary to operate the service.
Personal projections are based mainly on the numbers you enter and the app’s transparent payoff calculations. Where relevant, My Debt Lens may use public or official reference data, such as cost-of-living, rent, food, fuel, rate, or market-context datasets, to provide broader context or benchmarks.
Reference data is not a substitute for your own statements, lender terms, bills, local conditions, or professional advice. Any public or official reference data should be treated as context, not as a certification that a personal projection will happen.
Ask My Debt Lens and generated reports are intended to explain saved numbers and planning assumptions. Normal AI analytics uses preset categories and metadata where possible.
Do not enter Social Security numbers, full financial-account numbers, payment-card numbers, government ID numbers, passwords, real names that are not needed, or other unnecessary personal identifiers into Ask My Debt Lens, report titles, workbook names, debt labels, support messages, or other free-text fields. Oll Korrekt LLC does not require or verify real-world identities to provide debt-planning models, and users are responsible for unnecessary identifiers they voluntarily submit into interactive text fields.
For restricted situations such as chargebacks, legal requests, security incidents, abuse/resource misuse, prompt-injection attempts, or support escalation, My Debt Lens may keep restricted transcript evidence. Access to those records is intended to be limited, reason-captured, audited, and retained only as long as needed.
Generated reports are private to your account unless you choose to share them. Saved report limits and retention windows may vary by plan.
My Debt Lens is designed to use authentication, role-based admin boundaries, encrypted sensitive fields where implemented, restricted transcript retrieval, audit logging for sensitive admin actions, and transport security for requests.
No online service can guarantee perfect security. You should use a strong password, protect your email account, and avoid sharing report files with people who should not see your financial information.
Retention periods may differ by data type. Saved reports, usage logs, security evidence, consent records, server logs, and aggregate analytics can have different retention windows depending on operational, legal, and product needs.
My Debt Lens is intended for adults managing their own financial obligations. People under 18 may not create an account, subscribe, or use the authenticated service. My Debt Lens is not directed to children under 13 and does not knowingly collect personal information directly from children under 13.
For privacy questions, account requests, correction, deletion, or support, contact Oll Korrekt LLC through the contact form.
Written notices may be sent to the Colorado business mailing address: 18601 Green Valley Ranch Blvd Unit 108 PMB 175, Denver, CO 80249, United States. This is a business mailing address for written notices, not a walk-in office.
This policy may be updated as the product, billing flow, integrations, partner features, and legal requirements evolve. Material changes will be reflected by updating this page and, when appropriate, notifying users inside the app.