Privacy Policy

Effective October 31, 2026 · Applies to the PayoffPath iPhone app

PayoffPath (debt payoff planner) is made by MD5TO, a business name of A&M Olivieri LLC ("we", "us"). The short version: account optional, no tracking across other apps or websites, and we never sell your data.

Your data

Your debts (names, balances, rates and payments) and plan settings are saved only on your device. Nothing is uploaded to us.

Advertising

The free app shows banner ads from Google AdMob. We request non-personalized ads. AdMob may collect device information such as your IP address and device identifiers to show and measure ads, as described in Google's advertising policy.

Your account (optional)

When you open the app you can create a free account with Sign in with Apple or with your email and a 6-digit code (no passwords). We store your email, your name if Apple shares it, which MD5TO apps you use, the dates you signed up and last signed in, and whether you asked for tips and news. This is stored on MD5TO's own server and used to run your account and, only if you opt in, to send you updates. It is never sold. You can skip this step, sign out anytime, and delete your account inside the app (bottom of the main screen) or by writing to contact@md5to.com.

Pro (remove ads)

You can buy PayoffPath Pro with a one-time purchase to remove ads. Payment is handled entirely by Apple. We never see your card or Apple ID details; the app only learns whether Pro is active.

Anonymous usage counts

To understand which features people use, the app sends simple counts to our own server, such as "app opened", "Pro button tapped" or "recommended link opened". Each count includes the app name and version, your device platform, the app language and a random install code created on your phone. It never includes your name, email, contacts, photos, recordings, or anything you type or save in the app, and it is not used to track you across other companies' apps or websites. You can turn this off anytime with the "Share anonymous usage stats" switch at the bottom of the main screen.

Email list (optional)

If you choose to enter your email and tap "Join", we store that email with the app name and the date so we can send occasional MD5TO tips and app news. This is always optional. We never sell or share your email. Every email includes a way to unsubscribe, or you can write to contact@md5to.com and we will delete it.

Deleting your data

Because your data lives on your device, deleting the app deletes it.

Children

PayoffPath is not directed to children under 13, and we do not knowingly collect information from them.

Changes and contact

If this policy changes, we will update this page and the effective date. Questions: contact@md5to.com.