Last updated: August 2, 2026
Snowball Debt Payoff Planner ("the App") is operated by Vladimir Lukashov ("we", "us"). This policy explains how the App handles your information. The short version: your debts never leave your phone. The App has no accounts and no login, it never connects to your bank, and there is no advertising and no cross-app tracking of any kind.
Balances, interest rates, minimum payments, the names you give your debts, your monthly budget and every extra payment you record are held in the App's own storage on your device. They are not uploaded, backed up to us, analysed, sold or shared. We operate no server for them to reach — the whole schedule is arithmetic performed on your phone. Deleting the App deletes them.
The App does not link to your bank, card issuer or any aggregator such as Plaid. Nothing is imported; you type what you owe. The App also asks for no device permissions at all — no camera, microphone, photos, contacts, location or motion.
The App offers an optional auto-renewing subscription. Payment is processed by Apple through the App Store; we never see your card details. To validate a purchase, restore it on your other devices and keep our own sales figures, the App uses RevenueCat, which receives the purchase receipt and a random, anonymous identifier generated on your device — never your name, email or any of your debts. This is the App's only network connection.
Accordingly, the App's App Store privacy label declares that purchase history is collected for app functionality and analytics, not linked to your identity and not used for tracking. See RevenueCat's privacy policy.
The schedule is an estimate produced from the numbers you enter. Card issuers apply fees, promotional rates and their own rules for allocating payments, so your statement may differ. The App is not financial, legal, tax or debt-counselling advice, and it is not a substitute for the terms of your own credit agreements.
The App is not directed at children and collects nothing from anyone, including children.
Because we hold none of your data, there is nothing for us to export or erase on request — uninstalling the App removes everything it stored. Requests about purchase records held by Apple or RevenueCat should go to those companies, or to us at the address below and we will point you to the right place.
If this policy changes, the updated version will be posted on this page with a new date.