ZeroPath keeps your portfolio on the device. It has no account, no developer server, and no analytics. Paste the policy below onto a public page, put that page’s URL in App Store Connect, and replace the contact email before you publish it.

Overview

ZeroPath is a personal logging and estimate app for student loans and car leases. You can track balances, view schedules and a payoff roadmap, try extra-payment estimates, set optional reminders, and keep notes. This privacy policy explains how information is stored and how you control it.

The developer of ZeroPath does not receive the contents of your portfolio.

1. DATA COLLECTION AND USAGE

1.1 Loan and Lease Data

• What you enter: Account nicknames, loan type (federal subsidized, federal unsubsidized, PLUS, private, or car lease), balances, interest rate, payment amount, term, payment day, autopay on or off, extra-payment amounts, and payment history the app builds from those figures
• Lease details, when you add them: Owner name, vehicle make and model, year, VIN, license plate, mileage, fees, and service records (date, description, shop, mileage, and price)
• How it’s used: To show your overview, schedules, roadmap, payoff estimates, and the Home Screen widget
• Storage: Saved in a private file on your device. A smaller widget copy (nickname, type, balances, payment, and progress) is stored in an App Group on that same device so the widget can read it. The widget copy does not include notes, VIN, license plate, or hardship answers
• User control: You can edit or delete any account. Deleting an account removes it from the portfolio and from the widget snapshot

1.2 Notes and Reminder-Pause Answers

• What you enter: Freeform notes, a dated note log, and optional reminder-pause details (reason, affordability, whether you have contacted a servicer, whether a payment was missed, and dates you set to review or follow up)
• How it’s used: To keep your own record on that account and to mute ZeroPath reminders while a pause is on
• Storage: Stored locally with that account
• User control: You can edit notes and end a reminder pause at any time. ZeroPath does not send these answers to a lender or servicer

1.3 Estimates

• What the app calculates: Schedules, milestones, remaining interest, debt-free dates, and original-versus-accelerated comparisons
• How it’s used: To display projections from the numbers you entered