Privacy policy
Last updated November 15, 2026. Paydown Pal is run by Daily Pals Labs.
What we collect
- Your quiz answers and plan: the debts you enter (names, balances, interest rates, minimums) and payments you log, used to build and adapt your plan.
- Your progress: check-ins, notes and settings you save in the app.
- Your email: collected at checkout, used for receipts (sent by Stripe) and sign-in codes. We don't send marketing emails.
- Payments: handled by Stripe, our merchant of record. We never see or store your card number.
- Coach messages: if you use the coach chat, your message and plan context are sent to our AI provider (Anthropic) to write a reply. They aren't used to train AI models.
- Usage events: page visits, quiz steps and purchases, to understand what works and fix problems.
- Ads measurement: if you came from a Facebook or Instagram ad, we may use Meta's pixel and Conversions API to measure purchases (your email is hashed before it's sent). Use “Do not sell or share my info” in the footer, or a browser Global Privacy Control signal, to turn this off.
What we don't do
We don't sell your data, we don't show third-party ads in the app, and we never connect to your bank or move money.
How long we keep it
Plans that were never paid for are deleted after 90 days without activity. You can delete your account and everything in it anytime in Settings → Delete my account. Payment records are kept by Stripe as the law requires.
Your choices
You can see, change or delete your data in the app, or email hello@paydownpal.com and we'll help within 2 business days. California residents can opt out of “sharing” for ads with the footer link.
Children
Paydown Pal is for adults (18+).