Privacy Policy

Effective Date: December 10, 2025

Welcome to BeDebtFree (“we,” “our,” “us,” or the “Service”), a product of Clarke Ventures LLC. Your privacy is important to us, and we are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website at https://www.bedebtfree.co (“Website”) and our software application (“Application”).

By using the Service, you consent to the data practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Service.

1. Information We Collect

1.1 Personal Information You Provide

When you create an account or use the Service, we may collect:

Account Information: Name, email address, password (encrypted)
Profile Information: Profile picture, preferences, settings
Payment Information: Billing address and payment method details (processed securely by Stripe; we do not store full credit card numbers)
Communications: Messages you send to us via email or support channels

1.2 Financial Information You Input

To provide debt planning services, we collect financial information you voluntarily enter:

Debt Information: Creditor names, account types, balances, interest rates, minimum payments
Payment History: Payments you log within the Application
Financial Goals: Target payoff dates, extra payment amounts, preferred strategies

Important: We do not access your actual bank accounts or credit accounts unless you explicitly connect them through our bank integration feature (powered by Plaid). See Section 4 for details on third-party integrations.

1.3 Information Collected Automatically

When you use the Service, we automatically collect:

Device Information: Device type, operating system, browser type, unique device identifiers
Usage Data: Pages visited, features used, time spent on the Service, click patterns
Log Data: IP address, access times, referring URLs, error logs
Location Data: General geographic location based on IP address (we do not collect precise GPS location)

1.4 Cookies and Tracking Technologies

We use cookies and similar technologies to:

Essential Cookies: Enable core functionality like authentication and security
Analytics Cookies: Understand how users interact with the Service (via services like Google Analytics)
Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Disabling certain cookies may limit functionality.

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Providing and Improving the Service

Create and manage your account
Calculate debt payoff projections and debt-free dates
Generate personalized repayment plans and recommendations
Process payments and manage subscriptions
Provide customer support
Improve and optimize the Service

2.2 Communications

Send transactional emails (account confirmations, payment receipts, subscription renewals)
Send product updates and new feature announcements (you can opt out)
Respond to your inquiries and support requests

2.3 Security and Fraud Prevention

Detect, prevent, and address fraud, abuse, and security issues
Enforce our Terms and Conditions
Protect the rights and safety of our users

2.4 Legal Compliance

Comply with applicable laws, regulations, and legal processes
Respond to lawful requests from government authorities

2.5 Analytics and Research

Analyze usage patterns to improve user experience
Conduct research and development for new features
Generate aggregated, anonymized statistics

We do not sell your personal information to third parties. We may share your information only in the following circumstances:

3.1 Service Providers

We share information with trusted third-party service providers who help us operate the Service:

Payment Processing: Stripe (for secure payment handling)
Bank Connections: Plaid (if you choose to connect bank accounts)
Cloud Hosting: Infrastructure providers for secure data storage
Email Services: For transactional and marketing communications
Analytics: For understanding Service usage

These providers are contractually obligated to protect your information and use it only for the services they provide to us.

3.2 Legal Requirements

We may disclose your information if required by law or in response to:

Valid legal processes (subpoenas, court orders)
Government requests
To protect our rights, property, or safety
To prevent fraud or illegal activity

3.3 Business Transfers

In the event of a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change.

We may share your information for other purposes with your explicit consent.

4. Third-Party Integrations

4.1 Plaid (Bank Connections)

If you choose to connect your bank accounts, we use Plaid Inc. to securely access your financial account information. Plaid’s use of your information is governed by their Privacy Policy. When you connect an account:

Plaid retrieves account balances and transaction data
We use this data to automatically update your debt balances
We do not store your bank login credentials

You can disconnect linked accounts at any time through your account settings.

4.2 Stripe (Payments)

Payment processing is handled by Stripe. Stripe’s use of your payment information is governed by their Privacy Policy. We do not store complete credit card numbers on our servers.

5. Data Security

We implement industry-standard security measures to protect your information:

Encryption: Data is encrypted in transit (TLS/SSL) and at rest (AES-256)
Access Controls: Strict access controls limit who can access your data
Secure Infrastructure: We use reputable cloud providers with robust security certifications
Regular Audits: We conduct security reviews and vulnerability assessments
Password Protection: Passwords are hashed using secure algorithms

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide the Service. Specifically:

Active Accounts: Data is retained while your subscription is active
Canceled Accounts: Data is retained for 30 days after subscription expiration, then deleted
Deleted Accounts: Upon account deletion request, we delete your personal data within 30 days, except where retention is required by law
Backups: Backup copies may be retained for up to 90 days for disaster recovery

Some information may be retained longer for legal, tax, or regulatory compliance.

7. Your Rights and Choices

Depending on your location, you may have the following rights:

7.1 Access and Portability

You can access your personal information through your account settings. You may request a copy of your data in a portable format.

7.2 Correction

You can update or correct your account information at any time through your account settings.

7.3 Deletion

You can request deletion of your account and personal data by contacting us at dev@bedebtfree.co. We will process your request within 30 days, subject to legal retention requirements.

7.4 Opt-Out of Marketing

You can opt out of marketing communications by:

Clicking “unsubscribe” in any marketing email
Updating your notification preferences in account settings

You can control cookies through your browser settings or our cookie preference center.

7.6 Do Not Track

We currently do not respond to “Do Not Track” browser signals.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know: Request information about the categories and specific pieces of personal information we collect
Right to Delete: Request deletion of your personal information
Right to Opt-Out: We do not sell personal information, so this right does not apply
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise these rights, contact us at dev@bedebtfree.co.

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

Legal Basis: We process your data based on contractual necessity (to provide the Service), legitimate interests, and your consent
Data Subject Rights: Access, rectification, erasure, restriction, portability, and objection
Data Transfers: We may transfer data to the United States, where we implement appropriate safeguards

To exercise your rights or file a complaint, contact us at dev@bedebtfree.co or your local data protection authority.

10. Children’s Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child under 18, we will delete it promptly. If you believe a child has provided us with personal information, please contact us immediately.

11. Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Effective Date.” For material changes, we will notify you via email or a prominent notice within the Service.

Your continued use of the Service after changes become effective constitutes acceptance of the revised Privacy Policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

BeDebtFree A product of Clarke Ventures LLC

Email: dev@bedebtfree.co Address: 111 Town Square Pl Ste 1238 PMB 52972, Jersey City, NJ 07310-1810, USA

Website: https://www.bedebtfree.co

Thank you for trusting BeDebtFree with your information.