Effective November 1, 2026. This policy covers debtpivot.com.
Privacy policy
What we collect
- Assessment form: if you fill it out, we collect your first and last name, email address, type of debt, approximate total debt, and (if you choose) how far behind you are.
- Emails you send us at info@debtpivot.com.
- Basic server logs: like most websites, our hosting server records technical information such as IP address, browser type, pages requested and time of visit. We use these logs for security and troubleshooting.
What we don't collect: the numbers you type into our calculators and budget builder stay in your browser. They aren't sent to us or stored. We don't ask for your Social Security number, account numbers or credit card numbers, and you should never send them to us.
How we use it
- To email you a suggested next step based on your assessment and to answer your questions.
- If you ask us to, to connect you with a partner that fits your situation.
- To keep the site secure and working.
Who we share it with
- We do not sell or rent your personal information, and we don't share it for others' advertising.
- Partners: we share your information with a partner only after you ask us to connect you, and only what that partner needs to contact you.
- Service providers that help us run the site: our assessment form is processed by Formspree, which delivers your submission to us by email; our web host stores the site and server logs; and web fonts load from Google Fonts, which receives your IP address when your browser requests them. These providers handle data under their own privacy policies.
- Legal reasons: if required by law, subpoena or court order, or to protect against fraud or abuse.
Cookies and tracking
We don't use advertising trackers or analytics cookies on this site. Our assessment uses your browser's session storage to remember, for that visit only, that you've already submitted it. If we ever add analytics or advertising tools, we'll update this page first.
How long we keep it
We keep assessment submissions and emails only as long as we need them to help you, and no longer than 24 months, unless you ask us to delete them sooner.
Your choices and rights
Wherever you live, you can email info@debtpivot.com to ask what information we have about you, to correct it, or to delete it. We'll respond within 30 days. California residents also have rights under the California Consumer Privacy Act, and we honor those requests the same way.
Children
This site is for adults. We don't knowingly collect information from anyone under 18.
Security
The site uses HTTPS encryption. No method of sending or storing data is perfectly secure, which is one more reason never to send sensitive account numbers by form or email.
Changes
If we change this policy, we'll update the effective date at the top of this page.
Terms of use
- Education only. Everything on DebtPivot is general information, not legal, tax, credit or financial advice. Your situation is unique. Talk to a licensed professional, legal aid office or nonprofit credit counselor before making decisions.
- No guarantees. Fees, savings, timelines and outcomes vary. Calculator results are estimates based on the numbers you enter.
- Accuracy. We work to keep information current and cite our sources, but laws and programs change. Always confirm with the official source.
- Other websites. We link to government agencies, nonprofits and partners. We aren't responsible for their content or practices.
- For US residents. The information here applies to US federal law and, where noted, specific states.
- Limitation of liability. To the extent allowed by law, DebtPivot isn't liable for decisions you make based on information on this site.
- Governing law. These terms are governed by the laws of the State of California.
Questions: info@debtpivot.com. See also our affiliate disclosure.