Today's always-connected world comes with a few drawbacks. Headlines involving compromised websites are now commonplace; not even the United States Department of Defense is safe. It's the same old story: companies (and governments) do what they can to protect your data, hackers find new vulnerabilities to exploit, data is compromised...and you lose a little more of your privacy.

Debt Decimator takes a different approach: rather than (foolishly) claim our security is impenetrable, we actively plan to be hacked at some point in the future - and take steps now to protect your privacy and data. We've built web applications for two decades; we know the awful truth: hackers inevitably find holes in your system. So...how are we prepared for that awful "we've been hacked!!" day? We're glad you asked!

No plaintext passwords

First, we store no plaintext passwords and our customer support team will never ask you for your password. There's no need for any of us to ever know your password in order to troubleshoot a problem with Debt Decimator. If anyone ever asks you for your password, be suspicious! If that awful day ever arrives, your passwords won't be exposed because we don't store them, and don't know them.

We also don't integrate with third-party login services provided by Facebook, Twitter, etc. We asked ourselves: if they are ever hacked, will that compromise your Debt Decimator data? We're weren't willing to take that chance.

No connections to your online finances

Next, we made the conscious decision early in Debt Decimator's design to never tie your info to your bank accounts or other financial institutions. This decision definitely goes against the grain when you look at other budgeting and financial tools; it's quite common for these apps to have you log in & connect to your bank accounts, so they can import your spending history and run analyses against your purchases. We don't do this. Here's why:

  1. We don't need to know what you buy and when in order to calculate what credit card should be paid off first, second, third, etc.
  2. Debt Decimator has no partnerships/deals with data harvesting vendors to sell your data, and never will. So...we never ask your for it.

No credit payoff behavior stored

Debt Decimator takes a very conservative approach to storing data that is generated when you calculate your credit card payoff. Every time you update your debt information (eg. update the balance on a card, change a debt's interest rate, add/remove a card), your payoff strategy is deleted and rebuilt from scratch.

The reason for purging/rebuilding your payoff strategy is simple: As mentioned earlier, Debt Decimator has no plans to enter into any agreements with any data harvesting companies and will never sell your data...so there is absolutely no reason for us to store anything beyond what is absolutely necessary. And what is necessary? The data that shows you what credit cards to payoff and when. That's it. That's the only thing that sits in the Debt Decimator database.

Immediate access to everything we have on you

Coincidentally, we fully believe you own your data (which flies in the face of many companies today!) and as such, provide a single button for you to export your data at any time.

Screenshot: "Export Your Data" in the Debt Decimator > Profile

To check it out, visit the Debt Decimator > Profile section, then scroll to "Privacy" and click the "Export Your Data" button. This will cause Debt Decimator to download a spreadsheet to your web browser, which can then be opened in Excel or Google Sheets. That's all the data we have on you. Go ahead, take it...it's yours! Because of course it is.

Though policies like the GDPR don't apply to companies that run/sell to customers in the US (yet), we take these user-privacy-as-first-order policies very seriously, and actively take steps to comply...even if we don't have to. We do it because it's what's best for you...not what's best for Debt Decimator.

No personal credit card information stored

Calculating your debt payoff doesn't require us to know that you bank at Wells Fargo or Chase or Bank of America or (insert financial institution here). We don't need to know your 16 digit card numbers, expiry dates, and (God forbid!) your 3 or 4 digit security codes. We never ask for any of this information, and in card management, you can label your cards however you want. Name them after your favorite Games of Thrones houses if you want! (we prefer House Lannister...for...obvious reasons).

If you are one of Debt Decimator's customers who has opted to pay for powerups, we do not store any of your payment information in our database. All online payments transact through Stripe which captures your payment info securely, and only ever transmits a confirmation ID of your payment to us. So, if/when that awful day ever arrives, the only thing hackers will get from us is a random set of letters/numbers that confirm you made a purchase; arbitrary codes that are of no value to anyone but Debt Decimator. Confirmation IDs can't be used to exploit you, then can't be used to steal your identity, and they definitely can't be used to make purchases with your money. Ever.

Non-Personalized Advertisements By Default

And for the broad majority of Debt Decimator's customers, our free product embeds non-personalized ads by default, which is the opposite of how nearly every website behaves today.

We agree with you that ads suck - sometimes, they're the only way a website can generate revenue to offset operating costs (particularly free apps like Debt Decimator). So does that give us the right to empower ad exchanges to track you/build your online profile/market & advertise to your persona?

Pardon our French, but...Hell, no.

By default, embedded ads don't know anything about you, your history, your online presence, your spending habits...nothing. To get personalized ads, you must go into the Debt Decimator > Profile section, scroll to the "Preferences" section, and change the "Advertisements" option from "Non-Personalized" to "Personalized". It's an action you must take on your own. It's your data, after all, and at Debt Decimator, we don't feel we have the right to decide how other companies market to you.

An App That Doesn't Track Me? A Novel Concept!

These things we can count on: birds fly, children laugh, people with credit cards spend...and hackers get to your data. At Debt Decimator, rather than try to fool ourselves (and you), we take the necessary step to ensure your privacy is kept as intact as possible. Privacy First is one of the three core values at the heart of Debt Decimator's team, and we hope the trend catches on - companies don't always need every single bit of data about you...

...so why even ask for it?