Debt Coach AI

Privacy Policy

Effective Date: May 20, 2026

Overview

Debt Coach AI is a product by Alphons Systems. This Privacy Policy explains how we collect, use, and protect information when you use the Debt Coach AI mobile application and related services.

Information We Collect

We may collect account information such as your name, email address, authentication details, app preferences, notification settings, and subscription status.

We may also collect financial planning information you choose to enter, including card names, debt balances, credit limits, APR, minimum payments, due dates, and payoff goals.

How We Use Information

We use information to provide debt tracking, payoff planning, credit utilization insights, reminders, AI-generated educational recommendations, account management, subscriptions, app security, and customer support.

AI Features

Debt Coach AI may use AI services to generate educational recommendations based on information you provide. AI-generated content is for educational purposes only and should not be treated as professional financial, legal, tax, or credit repair advice.

Third-Party Services

We may use trusted third-party providers for authentication, database hosting, AI processing, analytics, app notifications, subscriptions, and payment processing. These providers only receive information needed to operate the app.

Payments

Subscription purchases are processed through Apple App Store systems. We do not directly store your full payment card details.

Data Retention

We retain user information for as long as necessary to provide the app, comply with legal obligations, resolve disputes, and maintain security. You may request account deletion at any time.

Account Deletion

You can request deletion of your Debt Coach AI account and related data by contacting support at:

support@alphonssystems.com

Children

Debt Coach AI is not intended for children under 13. We do not knowingly collect personal information from children under 13.

Contact

For privacy questions, contact Alphons Systems at:

support@alphonssystems.com