Privacy policy.

Overborrowed is built so that your financial life stays yours. Everything you enter — your budget, your debts, your plan — is encrypted on your device before it is saved. We store only the encrypted result, which we cannot read, sell, or share. Even the people who run Overborrowed cannot see your numbers.

Your email address. Used to sign you in with a magic link and, only if you ask, to send the newsletter.

Your encrypted data. Your budget and debt information is scrambled on your device with a key made from your Vault PIN. What reaches our servers is ciphertext — unreadable without your PIN or recovery key, neither of which ever leaves your device.

Newsletter requests. If you sign up for the newsletter, we save your email and the moment you consented. Nothing else.

We never see your Vault PIN, your recovery key, or the contents of your books. Because of this, we cannot recover your data if you lose both your PIN and your recovery key — that is the cost of real privacy, and we think it is worth it.

We don't sell or rent your information. We don't run advertising trackers. We don't connect to your bank, so we never touch your account credentials or transactions. We don't use your data to train models or build profiles.

Signing in works through a magic link sent to your email. Our email and authentication providers process your address only to deliver that link. A sign-in link proves you control the inbox; it never carries your encryption key.

You can lock your vault at any time from the app, which clears the key from your device. You can stop the newsletter by asking us to remove your address. You can delete your account, which removes your email and every encrypted record we hold for you.

If this policy changes, we will update the date above and note meaningful changes on this page before they take effect. Questions about privacy are welcome any time through the Help center.