Undebt.it Privacy Policy

This Privacy Policy governs the manner in which Undebt.it collects, uses, maintains and discloses information collected from users (each, a "User") of the https://undebt.it website ("Site"). This privacy policy applies to the Site and all products and services offered by Undebt.it. When I say "we" below, it's just a fancy way of "me" since it's only me running the whole operation.

Personal identification information

We may collect personal identification information from Users in a variety of ways in connection with activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

This site uses optional "cookies" to enhance User experience. User's web browser places cookies on their hard drive for login purposes only. When you choose the "remember me" option on the login screen, a set of cookies are placed on your computer. Users may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, the site will work perfectly fine, you'll just have to provide your user name and password every time you visit.

How we use collected information

Undebt.it collects and uses Users personal information for the following purposes:

  • To personalize user experience: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.. Your personal information will not be given to or sold to third parties.

How your information is protected

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. Your password is never stored in plaintext at any time.. All data transferred between the User and the Site is protected with SSL encryption.

Deleting Your Data

At any time, you can request to have your data permanently deleted. If you would like to have your data deleted, login to your account and visit the Account Delete/Reset page. Keep in mind that deleting your account is immediate and irrevocable. Deleting an account includes all account history and information.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.


Ads appearing on our site may be delivered to Users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile non personal identification information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This privacy policy does not cover the use of cookies by any advertisers.

Changes to this privacy policy

Undebt.it has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

YNAB Account Integration Policy

Undebt.it offers an optional service that provides a link between a User account on Undebt.it and their account on Youneedabudget.com ("YNAB") via the YNAB API. There are two features that this account link provides:

  • 1. Account balance updates: This allows the account balance of Undebt.it accounts to be automatically updated via YNAB. Only the budget name, account name & balance are accessed and stored on the Undebt.it server.
  • 2. Account transaction imports (not implemented yet): This allows the automatic import of payment & purchase transactions on your Undebt.it accounts. No detailed transaction information be accessed or stored in any fashion. Only the transaction amount and date are stored on the Undebt.it server.

YNAB User Data

It's important to note that Undebt.it does not at any time have access to your YNAB account or financial institution login credentials. Furthermore, Undebt.it will not at any time ask you for any of your financial account credentials. Only the account information listed in the section above is stored on the Undebt.it server. No third parties have access to this data at any time. All data exchanged between the Site and YNAB are always protected with SSL encryption at all times.

Discontinuing the Account Link

The User can choose to remove the account link at any time and for any reason. Access to YNAB account information can be revoked by visiting the Developer section on your YNAB account.

Third Part Access to Data

Undebt.it guarantees that the data obtained through the YNAB API will not knowingly be passed to any third-party. YNAB reserves the right to revoke access to their API at any time and for any reason. For this reason, Undebt.it cannot guarantee that the account syncing feature will always work.

This document was last updated on September 26, 2022