Privacy Policy

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Effective Date: September 11, 2025

Last Updated: September 14, 2025

Debt to Legacy LLC (“Debt to Legacy,” “DTL,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your information when you access our website, applications, and services, including the DTL Navigation Tools Suite (IncomeLift, SteadyVest, BillWatch, DIY Debt Defence, Felix Pay, ExpenseWatch, and FinanceWatch).

By using our site or Services, you agree to the practices described in this Privacy Policy.

1. Our Proprietary Tools

The DTL Navigation Tools Suite was designed and built by Debt to Legacy LLC. We own the copyright and proprietary rights to all seven tools.

While these tools are functional and used internally by DTL, they remain under active product development and testing. Features may evolve, and users may experience upgrades, performance adjustments, or temporary disruptions.

• Tools are provided on an “as is” basis.
• Results may vary depending on how the tools are used.
• We strongly recommend that all users back up or export their data regularly.

2. Information We Collect

We may collect the following types of information:

a) Personal Information You Provide

• Name, email address, phone number, and contact details
• Information submitted through forms (e.g., consultations, surveys, newsletters)
• Payment details (processed securely by trusted third-party providers such as Stripe, Check.io, or Square)
• Appointment details (booked through Setmore)

b) Automatically Collected Information

• Device type, browser, and operating system
• IP address and general location data
• Usage data (pages visited, time spent, tool interactions)

c) Financial Data You Input

• Income, expenses, bills, and financial goals (when using DTL tools)
• We do not sell or share your financial data with third parties for marketing purposes

d) Third-Party Data

• Google reCAPTCHA (spam prevention)
• Analytics and hosting partners (aggregate, anonymized usage data only)

3. How We Use Your Information

We use your information to:

• Provide and improve the DTL Navigation Tools Suite
• Personalize dashboards, insights, and recommendations
• Communicate updates, offers, and newsletters (with your consent)
• Process secure payments (via Stripe, Square, Check.io, or similar providers)
• Manage scheduling and appointments (via Setmore)
• Monitor system performance and prevent fraud
• Respond to inquiries and provide support

4. Third-Party Services

The DTL Navigation Tools Suite is built and owned by Debt to Legacy LLC. However, our Services rely on trusted third-party providers, including:

• Replit (application hosting and runtime)
• Google Cloud Services (storage, APIs, authentication)
• Stripe, Square, Check.io, Streamlit (payment processing and integrations)
• Setmore (appointment scheduling and booking management)
• Other technical vendors necessary for functionality

We do not control these third parties and cannot guarantee uninterrupted service. Failures in their systems may impact availability.

5. Legal Basis for Processing

We process personal data under the following bases:

• Contract: To deliver Services you request
• Legitimate Interests: Improving tools, analytics, fraud prevention
• Consent: For newsletters, marketing, and waitlist signups
• Legal Obligation: Compliance with applicable laws

6. Sharing of Information

We may share your information with:

• Service providers (hosting, analytics, payment processors, booking platforms)
• Legal authorities when required by law or regulation
• Business transfers (merger, acquisition, restructuring — with notice to users)

We do not sell, rent, or trade your personal information.

7. Data Security

We implement industry-standard safeguards, including:

• Encrypted connections (HTTPS/TLS)
• Encrypted storage of sensitive information
• Restricted employee access to personal data
• Regular security monitoring and audits

⚠️ Despite safeguards, no system is 100% secure. Users should back up data regularly.

8. Data Retention

We retain your information for as long as necessary to:

• Deliver Services you request
• Meet legal obligations
• Resolve disputes and enforce agreements

You may request deletion of your account and data at any time (see Section 11).

9. Children’s Privacy

We do not knowingly collect data from children under 13. If you believe a child has provided us with personal data, contact us immediately to remove it.

10. Your Rights

Depending on your jurisdiction (including California residents under CCPA), you may have the right to:

• Access, correct, or delete your data
• Opt out of communications
• Request a portable copy of your data

To exercise these rights, contact us at:

📧 info@debttolegacy.com

📞 (307) 241-4360

11. Development and Product Testing Notice

The DTL Navigation Tools Suite is under active product development. Early users are participating in real-world testing, which means:

• Features and functions may change, upgrade, or be temporarily unavailable
• Performance may vary across devices and browsers
• Users are responsible for backing up their data regularly

By using our Services, you acknowledge and accept that these are evolving products, and early users play a role in testing and shaping the future of our tools.

12. Updates to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised Effective Date.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact:

Debt to Legacy LLC

📧 info@debttolegacy.com

📞 (307) 241-4360

🌐 https://debttolegacy.com