Privacy Policy

Last Updated: April 16, 2026

At Debt Tracker Master (operated by Bear Apps), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

Information We Collect

We collect only the information necessary to provide and improve our debt management services:

Financial Data You Provide:

• Debt information (loan amounts, interest rates, payment schedules)
• Lender names and account details
• Payment history and transaction records
• Currency preferences and financial goals

Device Information:

• Device type and operating system
• App version and usage statistics
• Crash reports and performance data

Optional Information:

• Email address (for cloud backup and support)
• Notification preferences
• App settings and customizations

How We Use Your Information

We use the collected information for the following purposes:

• Service Delivery: Calculate payments, generate schedules, and track your debt repayment progress
• Personalization: Customize your experience and provide relevant insights
• Cloud Sync: Enable data backup and synchronization across your devices (Premium feature)
• App Improvement: Analyze usage patterns to develop new features and improvements
• Customer Support: Respond to your inquiries and provide technical assistance
• Security: Detect and prevent fraud, abuse, and security incidents

Data Security

We implement industry-standard security measures to protect your personal information:

• Encryption: All data transmission is encrypted using SSL/TLS protocols
• Local Storage: Financial data is stored securely on your device using encrypted databases
• Cloud Security: Cloud backups are encrypted and stored securely using iCloud (iOS) or secure cloud services
• Access Controls: Strict access controls limit who can access your data
• Regular Audits: We regularly review and update our security practices

Advertising

Our free version displays third-party advertisements to support app development:

Ad Networks: We partner with reputable ad networks that may collect:

• Device identifiers and IP addresses
• Ad interaction data (views, clicks)
• General location information (country/region)

Ad Personalization: Ad networks may use this information to display relevant advertisements. We do not share your financial data with advertisers.

Ad-Free Option: Upgrade to Premium to remove all advertisements and enjoy an uninterrupted experience.

Opt-Out Options

You have control over your data and advertising preferences:

• Interest-Based Ads: Opt out through your device settings (Settings → Privacy → Advertising)
• Notifications: Manage notification preferences in the app settings
• Data Collection: Disable analytics in app settings (may limit some features)
• Complete Opt-Out: Upgrade to Premium for an ad-free experience

Data Sharing and Disclosure

We do not sell your personal information. We may share data only in these limited circumstances:

• Service Providers: Trusted third parties who help us operate the app (cloud storage, analytics)
• Ad Networks: Non-personally identifiable information for ad delivery
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In the event of a merger or acquisition (with notice to users)

We Never Share: Your specific financial data, debt details, or personally identifiable information with advertisers or third parties for marketing purposes.

Cloud Backup (Premium Feature)

Premium users can enable cloud backup for data synchronization:

• iCloud (iOS): Data is encrypted and stored in your personal iCloud account
• Your Control: You can enable or disable cloud sync at any time
• Data Ownership: You own your data; we only facilitate storage
• Deletion: Deleting the app or disabling sync removes cloud data

Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal data
• Export: Export your data in a portable format
• Objection: Object to certain data processing activities
• Withdrawal: Withdraw consent for data collection (may limit functionality)

To exercise these rights, please contact us at service@bapps.uk

Children's Privacy

Our app is not intended for children under 13 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

International Users

If you are accessing our app from outside the United States, please note that your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy in the app
• Updating the "Last Updated" date
• Sending an in-app notification (for significant changes)

Your continued use of the app after changes constitutes acceptance of the updated policy.

Legal Basis for Processing (GDPR)

For users in the European Economic Area, we process your data based on:

• Contract Performance: To provide the services you requested
• Legitimate Interests: To improve our app and prevent fraud
• Consent: For optional features like analytics and personalized ads
• Legal Obligations: To comply with applicable laws