Privacy Policy
MyDebtLens 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 MyDebtLens, handles data in relation to the MyDebtLens website, authenticated workspace, reports, billing, support, analytics, and related features.
MyDebtLens 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. An email address and sign-in method are required for a standard account. A real-world name and ZIP code are optional profile details, not registration requirements.
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 ordinary PDF, DOCX, or XLSX files, depending on your plan and retention settings. Sensitive report metadata may use application-level encryption, but generated files are not separately encrypted by the application; they are protected by account access and server/file controls.
Calendar tools may process due dates, reminders, income timing, fixed expense timing, ICS downloads, and optional Google Calendar connection status. When Google Calendar is connected, event content sent to Google may include debt labels, payment amounts, due dates, reminder context, and payoff timing. Disconnecting MyDebtLens does not necessarily remove events already created in Google, and remote events may remain under the user’s Google Calendar choices and Google’s retention practices.
Support or Ask MyDebtLens 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 MyDebtLens 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.
MyDebtLens 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 on your own APRs, balances, payments, income, expenses, savings, and the app’s deterministic payoff calculations. MyDebtLens may use official or methodologically documented public data for context and comparisons. That data does not replace your actual figures.
Reference data is not a substitute for your own statements, lender terms, bills, local conditions, or professional advice. Cost-of-living context must be identified by its source; the current fallback is curated MyDebtLens context and should not be described as official BEA data unless source metadata proves that BEA data is being used.
Ask MyDebtLens is optional and currently uses DeepSeek through its API. When you activate it, MyDebtLens may send your question and relevant saved planning context selected for that request. The context can include debt labels, balances, APRs, minimum payments, income, expenses, savings, a saved first or household name, ZIP-based location context, and deterministic payoff results. MyDebtLens does not intentionally add the account email, internal user ID, Stripe identifiers, or Google identifiers to the AI prompt.
Core payoff calculations, Scenario Lab results, Can I Afford It? results, calendars, charts, and report figures are deterministic and do not require AI. AI explanations cannot change stored data, make payments, contact creditors, alter subscriptions, connect integrations, or take autonomous action.
Questions and responses may be stored by MyDebtLens under configured transcript-retention, security-hold, and restricted-evidence rules. DeepSeek’s own retention and processing are governed by its API terms and account settings; MyDebtLens does not promise provider zero retention or no training without separate verification.
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 MyDebtLens, 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, MyDebtLens 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 account-protected unless you choose to share them. Saved report limits and retention windows may vary by plan, and downloaded files should be protected by you after they leave the workspace.
An account-deletion request enters a grace period, currently 30 days, during which restoration may be possible. After the grace period, the account becomes eligible for the permanent-purge workflow. Limited billing, security, legal, consent, provider, restriction, deletion-receipt, log, and backup records may remain for their applicable retention periods. MyDebtLens does not promise immediate deletion from every provider or backup.
MyDebtLens uses authentication, application-level encryption for many sensitive debt and household-planning fields, restricted owner-admin access, restricted transcript retrieval, audit logging for sensitive admin actions, and transport security for requests. MyDebtLens is not end-to-end encrypted. Not every operational field, analytics record, billing field, generated report, workbook, or exported file is separately encrypted by the application. Authorized operators with sufficient server, database, application, and encryption-key access could technically access or decrypt relevant records.
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.
MyDebtLens is intended for adults managing their own financial obligations. People under 18 may not create an account, subscribe, or use the authenticated service. MyDebtLens 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.