Privacy Policy

Seller details

Legal/business name: Debt & Daylight
Owner: Corinne Eck
Support email: support@debtanddaylight.com
Main website: https://debtanddaylight.com
Dashboard app (sold separately): https://app.debtanddaylight.com

Who controls your data

Debt & Daylight is the data controller for this site, https://debtanddaylight.com, and the separately sold dashboard, https://app.debtanddaylight.com. Owner: Corinne Eck. Contact support@debtanddaylight.com for privacy questions or requests.

Personal data, purposes and legal bases

• Email and login credentials: to create your account, sign you in and administer access. Legal basis: contract performance; legitimate interests for account security. Authentication providers handle login credentials; do not send passwords in support messages.
• Income, bills and debt figures you enter: to calculate your debt-payoff estimates and, when you choose to save them in the dashboard, build and save your plan. Legal basis: contract performance. Entering figures into the free calculator does not itself create a saved dashboard account.
• Support messages and contact details: to answer requests, resolve problems and keep relevant support records. Legal basis: contract performance for service-related requests and legitimate interests for responding to general inquiries.
• Device, IP and usage data: to protect the service, prevent fraud, diagnose problems and improve the product. Legal basis: legitimate interests for security, fraud prevention and necessary service diagnostics; consent for optional analytics cookies or similar tracking where required.
• Order references and required business records: to administer subscriptions, handle refund inquiries and meet applicable recordkeeping requirements. Legal basis: contract performance and legal obligation for tax, accounting and lawful disclosure requirements.

Where processing relies on consent, you may withdraw it at any time without affecting the lawfulness of earlier processing. Where we rely on legitimate interests, we consider your rights and reasonable expectations.

Who receives data

• Service providers, hosting providers, analytics providers and their subprocessors, as needed to run, secure, support and improve the service, subject to appropriate contractual protections.
• Stripe, our payment processor, for payment processing, subscription billing and receipts. Stripe processes information under its own privacy policy. Payment details are handled by Stripe; do not send full card details to us.
• Professional advisers, such as lawyers and accountants, where necessary for advice, compliance or handling a dispute.
• Authorities where the law requires disclosure.

Separate coaching purchases may involve their own payment provider for payment and booking administration. Providers may process data outside your country. Where legally required, cross-border transfers use applicable safeguards such as approved contractual protections.

Retention and your data

We keep account and saved-plan data while your account is active and for as long as needed to provide the service or resolve outstanding requests. Support records are kept only as long as necessary to answer requests and handle relevant disputes. Security and usage records are kept only as long as needed for the stated security and improvement purposes. Order, tax and accounting records are retained for the periods required by applicable law. Retention depends on the purpose, legal requirements and any unresolved dispute; data is deleted or anonymised when no longer needed. Backup copies may remain until the applicable backup cycle expires and are not used for ordinary service access.

You can export or delete your own data. Use the relevant dashboard controls where available, or email support@debtanddaylight.com to request an export or deletion. We may verify your identity before acting. Deleting personal data does not automatically cancel a subscription; cancel it separately in your dashboard account or by emailing support@debtanddaylight.com. Records required by law may be retained even after an account is deleted.

Your privacy rights

Depending on applicable law, you may request access, correction, deletion, objection to processing and portability of your personal data. You may also request restriction of processing and withdraw consent. Email support@debtanddaylight.com to exercise these rights. We respond within applicable legal timeframes, subject to lawful exceptions and identity checks. You may complain to a supervisory authority, including the authority where you live or work, if you believe your data rights have been infringed.

Security

We use encrypted HTTPS connections, authentication and access controls to help protect personal data, restrict access to those who need it for service delivery and use managed hosting and service providers. Keep your login credentials private and report suspected unauthorized access to support. No system or transmission method can be guaranteed completely secure.

Advertising measurement (Meta Pixel)

With your permission, this website uses the Meta Pixel, provided by Meta Platforms, Inc. (Facebook and Instagram). It sends Meta information such as pages viewed, your browser and device details, IP address, Meta cookie identifiers, and when you complete certain actions: requesting the free guide or newsletter, requesting a free intro call, or buying a Strategy Session (including the purchase amount). We do not send the income, bill or debt figures you enter, and we do not send your name or email to Meta. Meta uses this to measure our ads, help deliver them to people likely to be interested, and for its own purposes under its privacy policy. The Pixel loads only after you select Accept in our cookie banner, and it does not load if your browser sends a Global Privacy Control signal. You can change your choice at any time with the Cookie settings link at the bottom of every page; declining stops further sharing right away.

Cookies and preferences

Essential cookies and similar browser storage support sign-in, sessions, security and core service operation. Analytics cookies or similar technologies, when used, help measure usage and improve the product. Optional analytics requiring consent should operate only with that consent; essential technologies needed to deliver the service are treated separately.

You can manage preferences through any cookie settings presented by the site or dashboard, and through your browser’s settings to block or delete cookies and site storage. Blocking essential cookies may prevent sign-in or other features from working. Where no on-site preference control is provided, contact support@debtanddaylight.com about optional analytics preferences; browser blocking and deletion remain available. Preferences may need to be set separately for this site and the dashboard and for each browser or device.

Policy updates

We may update this policy to reflect changes in the service or legal requirements. The effective date above identifies the current version. We will provide additional notice where required by law.