Effective date: 09 December 2025

Privacy Policy

🔒 The Short Version
  • Your debt calculations never leave your browser — we can't see them
  • No account or sign-up required
  • Payments are handled securely by Stripe — we never see your card details
  • We don't sell your data or use advertising trackers
  • Contact messages are kept for up to 24 months to help you

1. Who We Are

DebtRiot
Website: debtriot.co.uk
Contact: hello@debtriot.co.uk

We're UK-based and comply with UK data protection law (UK GDPR and the Data Protection Act 2018).

2. What We Collect (And Don't Collect)

No accounts, no sign-ups
You can use the calculator without creating an account or giving us your email.

Your debt calculations stay in your browser
When you enter income, debts, and other figures, everything is processed locally in your browser. We never receive this information on our servers.

Local storage
We may store your inputs in your browser's local storage so you don't lose your work between sessions. You can clear this anytime in your browser settings.

Contact messages
If you email us, we'll have your email address and whatever you write. We use this only to respond to you.

3. Payments (Stripe)

When you buy a PDF plan, payment is processed by Stripe — a secure, independent payment provider.

  • Stripe handles your card details. We never see your card number.

  • Stripe may collect your name, email, and billing details for payment processing and fraud prevention.

  • See Stripe's privacy policy at stripe.com/privacy

4. Cookies & Tracking

  • We don't use advertising trackers or sell data to anyone.

  • We may use privacy-preserving analytics that don't identify you personally.

  • If we ever add cookies requiring consent, we'll show a clear banner.

5. How We Use Information

We only use personal information for:

  • Providing the service — processing payments and delivering your PDF

  • Responding to messages — replying when you contact us

  • Improving and protecting the site — security, debugging, preventing abuse

  • Legal obligations — where required by law

6. Data Sharing

We don't sell your data.

We may share limited information with service providers who help run the site:

  • Web hosting

  • Payment processing (Stripe)

  • Email service

These providers must keep your data secure and only use it to provide their services.

7. Data Retention

Calculator inputs: Stored only in your browser until you clear them.

Contact messages: Kept for up to 24 months to manage queries.

Payment records: Kept as required for tax and legal purposes.

8. Your Rights

Under UK law, you may have rights to:

  • Access your personal data

  • Correct inaccurate data

  • Request deletion

  • Restrict or object to processing

  • Data portability

Since calculator inputs stay in your browser (not our servers), most rights apply only to contact messages and payment records.

To exercise your rights, email hello@debtriot.co.uk.

You can also complain to the ICO (Information Commissioner's Office), though we'd appreciate the chance to resolve concerns directly first.

9. Children

DebtRiot is not for children under 13. We don't knowingly collect data from children.

10. Security

We use reasonable measures to protect information — secure hosting, access controls, and regular updates. No system is 100% secure, but we take proportionate steps to manage risks.

11. Changes

We may update this policy. When we do, we'll update the date at the top. Significant changes may be highlighted on the site.

12. Contact

Questions about privacy? Email hello@debtriot.co.uk