Privacy Policy
Your debts, balances, interest rates, and financial goals are strictly confidential. SnowballPay is engineered from the ground up as a 100% offline, air-gapped debt repayment planner that never connects to banks, credit bureaus, or remote servers.
🛡️ 1. Core Commitment: 100% Offline Financial Security
SnowballPay functions entirely on your local mobile device. There are no remote user databases, analytical telemetry servers, or open banking connections (no Plaid, MX, or Yodlee integrations).
Your debt accounts, repayment amounts, and debt-free projections stay solely on your hardware.
2. Information We Do NOT Collect
Because SnowballPay maintains no network connectivity or server pipelines, we never collect, track, or share:
- Zero Bank Account Credentials: We never request bank logins, credit card numbers, passwords, PINs, or SSNs.
- Zero Financial Account Telemetry: Your debt balances, interest rates, monthly payments, and total liabilities are never uploaded or inspected.
- Zero Credit Bureau Reporting: SnowballPay has zero integration with Equifax, Experian, TransUnion, or credit scoring agencies.
- Zero Personal Identity Information: No names, email addresses, phone numbers, or residential addresses are required.
- Zero Advertising Identifiers: We do not track device advertising IDs (GAID/IDFA) and never sell financial leads to loan consolidation companies or lenders.
3. Information Stored Locally on Your Device
All data created within SnowballPay is saved inside the local sandbox of your mobile device:
- Debt Profiles: Debt nickname (e.g. "Car Loan", "Visa Card"), current balance, APR interest rate, and minimum monthly payment.
- Repayment Strategies: Selected strategy (Debt Snowball - lowest balance first vs. Debt Avalanche - highest interest first), extra monthly payment budget, and one-off lump sum windfalls.
- Payment History: Logged monthly payments, payoff milestone timestamps, and interest savings metrics.
- User Preferences: Currency symbols and dark/light UI themes.
4. Device Permissions Explained
SnowballPay requests only minimal, local-only permissions:
- File Storage / Document Access (Optional): Required only if you explicitly choose to export your debt payoff schedule as a CSV or JSON file, or import an existing debt plan.
- Local Notifications (Optional): Used purely to trigger local monthly payment reminder prompts at dates you select. No data is sent over the network.
5. Data Ownership, Backups & Deletion
You maintain 100% control over your financial records:
- Instant Deletion: You can delete any debt entry or wipe all financial data with a single tap in settings.
- Complete Removal: Uninstalling SnowballPay or clearing application storage permanently purges all debt records from your hardware.
6. GDPR & CCPA/CPRA Financial Privacy Compliance
SnowballPay is fully compliant with global data privacy regulations:
- Data Sovereignty: Your financial figures never leave your device.
- No Data Sale: We never sell, monetize, or disclose user financial information to lenders, advertisers, or third parties.
7. Children's Online Privacy (COPPA)
SnowballPay does not collect personal information from children under 13 (or under 16 in the European Union).
8. Third-Party Services
SnowballPay contains no third-party tracking SDKs, telemetry libraries, or advertising networks.
9. Policy Updates
Any updates to this Privacy Policy will be published on this page with an updated timestamp.
10. Contact Us
For questions or feedback regarding this Privacy Policy, please contact our support team via our official developer repository.