Privacy Policy
The short version. Your debts and expenses stay on your phone. We do not run ads, analytics, or trackers, and we never sell anything about you.
We receive three things: an anonymous device code so your free trial cannot be restarted by reinstalling, your phone number only if you choose to sign in, and a record of what you paid for. Card numbers never reach us.
1. What stays on your device
The debts, people, and expenses you record in the iPhone or Android app are stored on your device. We cannot see them.
If you turn on iCloud sync, that data is copied to your iCloud account, which is controlled by you and Apple — not by us.
The Telegram bot and Mini App are different: because they run on our servers, the records you create there are stored by us so that they exist the next time you open Telegram.
2. What we receive
| Data | When | Why |
|---|---|---|
| A device code | Every time the app has internet | Anchors your 30-day free trial so it cannot be restarted by reinstalling. It is a one-way hash of a device identifier — we cannot turn it back into your device, and it is not connected to you unless you sign in. |
| Phone number | Only if you sign in | Identifies your account so premium follows you to your other devices. Telegram gives it to us after you tap "Share my number" — we never read your contacts. |
| Telegram account ID and username | If you use the bot or Mini App | Identifies you inside Telegram and lets the bot message you. |
| Purchase records | When you buy premium | Which plan, how much, when, and the payment provider's transaction reference — so we know your subscription is active and can help if a payment goes wrong. |
| App version and language | With the device code | To serve the right content and diagnose problems. |
3. What we never collect
- Your contacts, photos, location, or files
- Card numbers, CVV codes, or bank details
- Advertising identifiers — the app contains no ads and no advertising SDKs
- Analytics or behavioural tracking — there is no analytics SDK in the app
We do not track you across other companies' apps or websites, and we do not sell, rent, or share your data for marketing.
4. Payments
Payments are handled by Click (in Uzbekistan) or by Apple (in-app purchase). You enter your card details with them, on their pages, never in our app. They tell us only that a payment succeeded, for how much, and with which reference number.
5. Where your data is kept
Server data is stored on servers located in Uzbekistan.
6. How long we keep it, and how to delete it
We keep your account for as long as you use Debtinex. You can delete it at any time:
- In the app: Settings → Premium → Delete account
- In Telegram: send
/deleteto the bot
Deleting your account removes your phone number, linked accounts, device records, and anything you stored through the bot or Mini App. Purchase records are kept only where accounting or tax law requires it.
Data on your own phone is not touched by account deletion — it is yours, and it stays until you erase it in the app.
7. Children
Debtinex is not directed at children under 13, and we do not knowingly collect their data.
8. Your rights
You can ask us what we hold about you, ask for a copy, ask us to correct it, or ask us to delete it. The in-app export and delete functions cover most of this immediately; for anything else, write to us.
9. Changes
If this policy changes in a way that affects you, we will update this page and change the date at the top. Continuing to use the app after that means you accept the new version.
10. Contact
Questions about privacy or your data: message @debtinexbot on Telegram.