Waypoint Labs LLC Privacy Policy

1. Who We Are

Waypoint Labs LLC is a Utah-based app development company in the United States. This policy applies to our website at waypointlabs.solutions and to apps we develop or publish, including Debt Quest, unless a separate privacy policy is provided for a specific app.

2. Information We Collect

Our website is primarily informational. If you contact us by email, we may receive your email address, name, message contents, and any other information you choose to provide.

Debt Quest may allow you to enter information such as debts, balances, payoff goals, paycheck cadence, expected extra payments, progress updates, notes, and personal motivation images. This information is used to provide app functionality such as tracking, forecasting, scenario planning, and visual goal reminders.

3. Local-First App Data

Debt Quest is designed around local app use. Information you enter into the app is intended to remain on your device unless a future feature clearly explains that data will be synced, backed up, exported, or sent elsewhere. If future versions add cloud sync, accounts, analytics, crash reporting, or other network-connected features, this policy and the App Store privacy information will be updated before those features are used.

4. How We Use Information

We may use information to:

• Provide, maintain, and improve our apps and website.
• Respond to support, privacy, business, or legal inquiries.
• Understand app issues when you choose to contact us.
• Comply with legal obligations and protect our rights.

5. No Sale of Personal Information

We do not sell personal information. We do not use Debt Quest to provide third-party advertising or to sell debt, financial, or behavioral profiles.

6. Financial Information and No Financial Advice

Debt Quest may process financial information that you enter for planning purposes. Waypoint Labs LLC is not a bank, lender, broker, investment adviser, credit repair organization, debt settlement company, accounting firm, law firm, tax adviser, or financial planner.

Our apps and website provide general informational, organizational, and motivational tools only. They do not provide financial, investment, tax, accounting, legal, credit, lending, or debt-settlement advice. Forecasts, payoff dates, scenario results, progress indicators, and similar outputs are estimates based on the information you enter and are not guarantees, recommendations, or professional advice. You are responsible for your own decisions and should consult qualified professionals before making financial, tax, legal, credit, or debt-related decisions.

7. Sharing Information

We may share information only when needed to provide support you request, comply with law, protect rights or safety, or work with service providers who help us operate our website, email, or app services. We do not authorize service providers to use personal information for their own marketing.

8. Data Retention and Deletion

App data stored locally on your device remains under your control. You may delete locally stored app data by using in-app controls where available, deleting app data from your device, or uninstalling the app. Emails and support requests may be retained as long as reasonably necessary for support, business records, legal compliance, and dispute prevention.

9. Security

We use reasonable administrative, technical, and organizational measures to protect information we handle. No app, website, device, or transmission method is completely secure, and we cannot guarantee absolute security.

10. Children

Our apps and website are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, contact us so we can review and delete it where appropriate.

11. Your Choices

You can choose not to contact us by email, remove app data from your device, or stop using an app. You may also contact us to ask about privacy, access, correction, or deletion requests that apply to information we control.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date above shows when it was last updated. Material changes will be reflected on this page and, where appropriate, in the relevant app or App Store metadata.

13. Contact

For privacy questions or requests, contact Waypoint Labs LLC at support@waypointlabs.solutions.