OweLess LLC Privacy Policy

Effective Date: October 13, 2025

OweLess LLC (“OweLess,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our websites, applications, and related services (collectively, the “Services”).

By accessing or using the Services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information to provide, improve, and secure the OweLess platform and its features, including our AI Path Finder and Smart Payoff Plan tools.

1.1 Information You Provide

  • Account & Profile Data: Name, email address, phone number, login credentials, and other registration data.

  • Financial & Debt Information: Account balances, creditor names, debt amounts, payment history, and other financial details you enter or connect through integrations (e.g., Plaid).

  • Communications: Messages or support inquiries you send to our team

  • Optional Inputs: Notes, goals, or preferences that you voluntarily add within your account.

1.2 Automatically Collected Information

  • Usage Data: Information about how you interact with our website or app, including page visits, clicks, and session activity.

  • Device & Technical Data: IP address, browser type, device identifiers, operating system, and diagnostic information

  • Cookies & Tracking Technologies: We use cookies to maintain secure sessions, remember preferences, and analyze performance.

1.3 Third-Party Data Sources

We may receive information from third-party providers to support functionality and improve your experience.Our trusted vendors include:

  • Plaid (bank account linking and financial data aggregation)

  • Stripe (payment processing)

  • Squarespace (hosting and site infrastructure)

  • Webflow (front-end website platform)

  • Rapid Dev (development partner for integrations and platform enhancements)

These vendors are bound by data-protection agreements and only process data as necessary to operate the OweLess Services securely.

2. How We Use Your Information

We use collected information to:

  • Provide, maintain, and personalize your OweLess experience.

  • Generate financial insights, repayment strategies, and recommendations through our AI Path Finder.

  • Process transactions securely via Stripe.

  • Improve platform performance and develop new features.

  • Communicate updates, support responses, and notifications.

  • Detect, prevent, and respond to fraud or misuse.

  • Comply with applicable laws and regulations.

We may use aggregated or anonymized data (which cannot identify you) for analytics, research, and internal reporting.

3. Financial Information Use

Financial data (including balances, creditors, and payment history) is used solely to provide analysis, repayment recommendations, and personalized insights within OweLess.We never sell, rent, or share this data with advertisers or other third parties for marketing purposes.

4. AI and Automation Disclosure

OweLess uses AI technology (“AI Path Finder”) to help analyze your debt profile, simulate payoff strategies, and recommend optimal repayment paths.
All AI outputs are advisory only — you remain in control of your financial decisions.
OweLess does not use AI to make automated decisions that have legal, credit, or financial effects without your explicit review and approval.

5. Data Security & Encryption

We take data security seriously and use administrative, technical, and physical safeguards to protect your information, including:

  • Encryption in transit and at rest using modern standards (TLS 1.2+, AES-256).

  • Secure hosting and website infrastructure via Squarespace and Webflow.

  • Access controls and limited data exposure to authorized personnel only.

  • Ongoing monitoring, audits, and patching of known vulnerabilities.

While no method of storage or transmission is 100% secure, we continually enhance our protections to keep your data safe.

6. Data Retention

We retain personal and financial information only as long as necessary to provide our Services or meet legal and regulatory obligations. Afterward, we delete, anonymize, or securely archive data as appropriate.

7. Sharing and Disclosure

We may share data:

  • With Service Providers: Plaid, Stripe, Squarespace, Webflow, and Rapid Dev, who operate under confidentiality and data-protection agreements.

  • For Legal Compliance: To meet obligations or respond to lawful requests.

  • During Business Changes: Such as mergers or acquisitions.

  • With Your Consent: When you authorize sharing for a specific purpose.

  • In Aggregated or De-Identified Form: Which cannot identify you personally.

We do not sell or trade user information to third parties.

8. Cookies & Analytics

Cookies and similar tools are used to maintain secure sessions, personalize your experience, and understand usage trends.You can disable cookies in your browser settings, but some features may not function properly without them.

9. Your Rights & Choices

If you live in a U.S. state with privacy rights (like California), you may:

  • Access, correct, or delete your information.

  • Request a copy of your data.

  • Opt out of marketing communications.

  • Withdraw consent where applicable.

To exercise your rights, email support@oweless.io.We may verify your identity before fulfilling requests.

10. Children’s Privacy

Because OweLess provides financial services, our platform is intended only for U.S. residents age 18 or older.We do not knowingly collect or store data from individuals under 18. If such data is discovered, it will be deleted promptly.

11. U.S.-Only Services

OweLess LLC operates exclusively within the United States.We do not transfer data internationally and do not offer services to users outside the U.S.

12. Changes to This Policy

We may update this Privacy Policy periodically. The most recent version will always be available on our website, and material changes will be clearly indicated by the updated Effective Date above.

13. Contact Us

If you have any questions or privacy concerns, please contact us:

OweLess LLC

Email: support@oweless.io

Website: https://www.oweless.io

United States

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