Privacy Policy
Last updated: October 1, 2026
Debt To Zero (“we,” “our,” or “us”) operates the website https://debttozero.site (the “Site”). This Privacy Policy explains what information we collect when you visit the Site, how we use it, and the choices you have. By using the Site, you agree to the practices described here.
1. Information We Collect
Information you provide directly. When you contact us through our contact form, you share your name, email address, subject, and message. If you subscribe to our newsletter, you share your email address.
Information collected automatically. When you visit the Site, we and our service providers may automatically collect your IP address, browser type and version, device information, pages visited, time spent on pages, and referring URLs. We collect this through cookies and analytics tools.
2. How We Use Your Information
We use the information we collect to:
- Operate, maintain, and improve the Site and its content.
- Respond to your messages, questions, and requests.
- Send newsletters or updates you have subscribed to (you may unsubscribe at any time).
- Analyze readership and Site performance in aggregate.
- Protect the security of the Site and comply with legal obligations.
3. Cookies
We use cookies to remember your preferences, understand how readers use the Site, and keep the Site functioning. You can control or delete cookies through your browser settings, though some Site features may not work properly if cookies are disabled.
4. Analytics and Third-Party Services
We may use third-party analytics services, such as Google Analytics, to understand Site traffic. These providers may set cookies and collect anonymized usage data under their own privacy policies. We do not sell your personal information to anyone.
5. Affiliate Links
Some pages on the Site contain affiliate links. If you click an affiliate link and make a purchase, we may earn a commission at no additional cost to you. Affiliate partners may use cookies to track referrals. Please read our Affiliate Disclosure and Disclaimer pages for more details.
6. How We Share Information
We share personal information only in these limited cases: with service providers that help us operate the Site (such as web hosting and email delivery), who are bound by confidentiality obligations; when required by law or legal process; and to protect our rights, readers, or the public. We never sell your personal information.
7. Data Security and Retention
We take reasonable administrative and technical measures to protect your information, but no method of transmission over the internet is completely secure. We retain contact-form messages only as long as needed to handle your inquiry, and newsletter data until you unsubscribe.
8. Your Rights
You may request access to, correction of, or deletion of the personal information we hold about you, and you may opt out of marketing emails at any time using the unsubscribe link or by contacting us through the Contact Us page.
9. Children’s Privacy
The Site is a general-audience personal finance publication and is not directed to children under 13. We do not knowingly collect personal information from children under 13.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the Site after changes are posted constitutes your acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, please reach us through our Contact Us page.