Nexo Development ("we," "us," or "our") operates the DebtSlayer mobile application (the "App"). This Privacy Policy explains what information the App uses, what stays on your device, what leaves it, and the choices you have.

• The short version: the debts, balances, interest rates, payments, and names you enter never leave your iPhone. We have no accounts and no bank connections. The App does send anonymous usage statistics and subscription status to the services listed below so we can run the business and improve the App.

1. Information stored only on your device

• *Debt details — nicknames, lender/type, balances, interest rates (APR), minimum payments.
• *Payments you log — amounts, dates, optional notes.
• *Game progress and settings — XP, level, achievements, plan/strategy choices, reminder preferences.

This data is stored locally in the App's private storage and protected by your device's built-in encryption. It is not transmitted to us or to any third party. If you delete the App, this data is deleted with it. You can also delete it at any time in Settings → Reset all data, and edit or remove any individual debt from its detail screen.

We do not connect to your bank, card issuer, or any financial account, and we never ask for account numbers, logins, or credit-report access.

2. Information that leaves your device

The App uses three service providers. What each receives is limited to the following:

| Service | Purpose | What it receives |

|---|---|---|

| Apple App Store | Processes your subscription payment | Your purchase is handled entirely by Apple. We never see your Apple ID, payment method, or billing details. |

| RevenueCat | Manages subscription status (is DebtSlayer Pro active, trial, renewal) | An anonymous app user ID, subscription/purchase status, device identifier (IDFV), and — only if you allow tracking — the advertising identifier (IDFA) so ad performance can be attributed. |

| AppsFlyer | Measures which ads and channels bring people to the App (attribution) | Anonymous device identifiers (IDFV; IDFA only with your permission), install/attribution data, and anonymous in-app events (e.g., "onboarding started", "debt added", "payment logged", "trial started"). |

| PostHog | Anonymous product analytics so we can improve the App | An anonymous ID, app version, and the same kind of anonymous in-app events. |

• Events never include your debt nicknames, lender names, exact balances, exact APRs, or exact payment amounts. Where an event carries a size at all, it is a coarse bucket (for example "$5,000–$15,000" or "payment $250–$500").

We do not sell your information. We do not share it with data brokers.

3. App Tracking Transparency

On first launch the App asks for permission to track. If you allow it, AppsFlyer may use your device's advertising identifier to measure the effectiveness of our advertising across other companies' apps and websites (for example, to know that an install came from a specific ad). If you decline, the App works exactly the same; attribution then relies only on aggregated, non-identifying signals. You can change this any time in iOS Settings → Privacy & Security → Tracking.