Thawline privacy policy

The short version

Thawline is a debt payoff planner. The debts, balances, rates and payments you type in are stored in one file on your own device. We have no account system and no server that receives them. We cannot see them, and deleting the app (or using More, then Erase everything) removes them.

What stays on your device

Debt names, amounts, interest rates, minimum payments, payment history, your chosen plan and your settings. The planner's calculations run on the phone. If you use the export or share buttons, the file or picture goes where you send it; the share picture shows progress and a date, never balances or debt names.

Advertising

The app is free and shows ads from Google AdMob. Before ads load, iOS asks whether the app may track you across other companies' apps, and, where the law requires it, Google's consent form asks for your ad choices. Ads may use your device's advertising identifier, approximate location, and how you interact with ads. This data is handled by Google under its own policy (policies.google.com/privacy). If you decline tracking, you still see ads, but they are less personalised. You can reopen your ad choices in More inside the app (when your region requires that option) or change tracking in iOS Settings.

Thawline does not send your debt information to advertisers.

Removing ads

You can earn ad-free time by watching short videos, or buy the optional monthly subscription Clear Skies. Payments are processed by Apple; we do not receive your payment details.

Children

Thawline is not directed to children under 13 and we do not knowingly collect their data.

Not financial advice

Thawline is a calculator. It does not provide financial, tax or legal advice, and its estimates depend on the numbers you enter.

Contact

Questions or deletion requests: see the Thawline help page.