What happens to your information.
This policy explains the information debtself collects across the assessment, recommendation engine, Planner, DIY Settlement, and other debtself products, why it is used, when it may be shared, and how to make a privacy request. It also explains the choices and rights that may be available to you.
Effective Date: August 15, 2026 · Last Updated: August 15, 2026
01 — Information we collect
The information depends on what you choose to do.
An assessment needs information about your financial situation. Planner and DIY Settlement need information to build and run a plan. A support request or site visit may involve other information.
- Assessment and recommendations
Information you provide about debts, balances, payments, interest, income, expenses, monthly room, credit or payment circumstances, and your priorities or goals, along with the recommendation outputs debtself generates from that information.
- Planner information
Debt balances, APRs, minimum payments, income, expenses and other obligations, credit score information you provide, payoff preferences, modeled payoff scenarios, and progress or history as you use the Planner.
- DIY Settlement information
Settlement preparation inputs you enter, workflow and progress information as you move through the self-directed settlement process, product usage information, and purchase or access records.
- Account and access
Contact details you choose to provide, such as an email address, and account, access, or purchase information when a product or service requires it.
- Communications
Messages, support requests, feedback, and information you provide when you communicate with debtself.
- Site and device
Technical and usage information that may be generated when you visit or interact with the site, such as pages viewed, selected interactions, browser or device information, referral information, and identifiers used by site technologies.
02 — How information is used
Information is used to provide the experience you ask for.
Depending on the part of debtself you use, information may be used to:
- Provide the assessment experience and evaluate the financial situation you describe.
- Generate decision guidance and explain a recommended path.
- Provide, operate, and support debtself products — including the assessment, Planner, and DIY Settlement — and maintain your progress or history within them.
- Process transactions, such as a Planner or DIY Settlement purchase, and restore product access when you request it.
- Email requested information, plans, or access details to the address you provide.
- Respond to questions, provide support, and communicate about a request or service.
- Understand site use, troubleshoot problems, evaluate product performance, and improve debtself.
- Evaluate and improve the debtself recommendation engine, including how assessment inputs, recommendation outputs, and modeled results perform.
- Maintain the security, reliability, and integrity of debtself systems.
- Keep business and transaction records and meet legal obligations where they apply.
03 — Assessment, Planner, and DIY Settlement
Your answers shape the guidance and the plan.
Information provided during an assessment is used to evaluate the situation described and generate decision guidance. Information provided in Planner or DIY Settlement is used to build and run the plan or workflow you set up in that product.
The recommendation depends on the information available at that time. Missing, inaccurate, or changed information may affect the result. After receiving a recommendation, you decide whether to continue and how to act on it, including whether to use Planner, DIY Settlement, or an outside provider.
DIY Settlement is a self-directed product. It helps you organize and manage your own settlement process. debtself does not negotiate debts, contact creditors on your behalf, or provide legal or financial advice through DIY Settlement.
This policy explains what happens to information. Methodology explains how debtself evaluates a situation. Disclosures explains what to understand about recommendations, estimates, and their limits.
04 — Sharing information
Who may receive information depends on the service and the choice you make.
debtself may disclose information when another organization is needed to operate the service, support a choice you make, or meet an applicable requirement.
- Service providers
debtself uses technology and service providers to operate its products, including Supabase for hosting and data storage, Stripe for payment processing, and Resend for email delivery. These providers receive the information needed to perform those services and are not permitted to use it for their own purposes.
- Analytics providers
debtself uses PostHog for product analytics and, on some pages, Microsoft Clarity for session and interaction analytics. These providers may receive technical or usage information when their code runs. See Cookies and technology below.
- Partner services
debtself may provide access to third-party providers and partner services. Some of those experiences may appear through a debtself-branded domain or subdomain while being operated by the third party. The marketplace at offers.debtself.com is operated by EVVO Financial. debtself may also direct you to an outside organization through a referral link, such as the National Foundation for Credit Counseling (NFCC). debtself's own products — including the assessment, Planner, and DIY Settlement at app.debtself.com — are operated by debtself, not by a third party.
- Information you enter elsewhere
When you use a partner or outside provider experience, you provide information directly to that organization. Information you enter after leaving a debtself-operated product is governed by that organization’s privacy practices rather than this policy. debtself does not transmit your assessment answers, debt balances, income, expenses, recommendations, or Planner information to EVVO or NFCC.
- Legal and safety needs
Information may be disclosed when required or permitted by applicable law, or when reasonably necessary to protect consumers, debtself, or others.
05 — Products and execution
The information context can change when you choose what happens next.
The assessment produces guidance. Choosing a debtself product, such as Planner or DIY Settlement, or an outside provider is a separate step.
If you continue, additional information may be requested to provide that product or service. Product-specific terms may also apply, and this policy governs the information you provide within debtself-operated products such as the assessment, Planner, and DIY Settlement.
Where that step takes place in an experience operated by a third party, such as the offers.debtself.com marketplace operated by EVVO Financial, the information you enter there is provided directly to that provider and handled under its own privacy practices. Review those materials before providing additional information or enrolling.
06 — Cookies and technology
Some pages use cookies and other site technologies.
On certain pages, debtself uses Google Ads tags, the Pinterest Tag, Microsoft Advertising Universal Event Tracking, the Reddit Pixel, and PostHog analytics. These technologies help measure page visits and selected interactions, including some calls to action and section views. On some pages, including DIY Settlement, debtself also uses Microsoft Clarity to record session and interaction analytics, such as clicks, scrolling, and general navigation behavior.
Depending on the page, configuration, and browser choices, these services may use cookies or other browser storage and may receive device, browser, referral, identifier, and usage information when their code runs.
Pages also request font files from third-party services, including Google Fonts, Fontshare, and jsDelivr. A request for a font can disclose standard network and browser request information to that provider.
07 — Data retention
Information is kept for as long as it is needed for the purposes described here.
debtself retains information as needed for business, operational, product, legal, or security purposes.
This may include debt information you enter, assessment inputs, recommendation outputs, modeled results, Planner and DIY Settlement inputs and progress, product usage records, lead records, purchase and access records, and other relevant product interaction records. debtself may use and retain that information to operate debtself, provide product functionality, maintain applicable progress or history, provide support, handle transaction-related purposes, evaluate product performance, improve debtself, and evaluate and improve the recommendation engine.
How long information is kept may depend on the type of information, the service involved, the reason it was collected, legal or contractual requirements, dispute or security needs, and whether a consumer asks to exercise an applicable right.
08 — Privacy rights
Your rights depend on the law that applies to you and the information involved.
Applicable privacy laws may give you rights to request access to information, ask for correction or deletion, opt out of certain uses or disclosures, or exercise other jurisdiction-specific rights. You may also ask debtself to delete the product data stored about you, such as assessment answers, Planner information, or DIY Settlement information, where applicable.
These rights are not universal, and exceptions may apply. debtself will review a request under the law that applies and may need information to verify the requester’s identity and authority before acting.
09 — Security
Safeguards reduce risk, but no system removes it.
debtself uses reasonable administrative, technical, and organizational safeguards intended to protect information.
No internet transmission, storage system, or security program can eliminate every risk.
10 — Contact and requests
Contact us about privacy.
To ask a privacy question or exercise an applicable right, email privacy@debtself.com. Include enough information to identify the service involved and the request you are making, but do not send sensitive financial details by ordinary email unless instructed through a secure process.
11 — Related trust pages
Three questions. Three separate answers.
Privacy explains what happens to information. The other trust pages explain the evaluation and its limits.
See the path that fits your whole picture.
Answer questions about your situation, review one primary recommendation, and decide whether you want to continue.
See your whole picture