Privacy Policy/Disclaimer

Effective date August 25, 2017.

Parallel Focus LLC (“us”, “we”, or “the Company”) is committed to respecting the privacy of visitors to (“the site” or “this site”) and users of the Pay Off Debt app. Here is information on what types of information is received and collected when you visit or use the Pay Off Debt app (“the app”).

As with most other websites, data contained in log files is collected and used. The information in the log files includes your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit the site (such as Internet Explorer or Firefox), the time you visited the site and which pages you visited throughout the site. Anonymous aggregate traffic data (such as keywords used to discover or access this site) may also be gathered and used to improve the marketing of this site.

We may use cookies on this site in order to improve your experience during your visit to this site. (For example, to show or not show certain signup forms.) You can disable cookies or clear recent cookies in your browser if desired.

We may email you in response to a comment you made or a question you asked if you have provided your email address. Comments and trackbacks left on this site may be deleted or edited without notice for any reason or no reason at all. We may add you to email list(s) if you have requested to be added by filling out a form. If you no longer wish to be on one of our email lists, you can automatically unsubscribe at any time by clicking the unsubscribe link in any email from us.

If you have a login to, your username is stored as-is in the database and your password is stored in hashed form, which means it is not stored in plain text. (This is exactly the same way all usernames and passwords are stored on this site.)

If you have the Pay Off Debt app and have created a password for it and/or entered data of any other sort into the app (such as your debt information and/or notes), that information is stored on your device. If you have chosen to upload data from the Pay Off Debt app to the cloud, that data is now also stored there in accordance with Google or Apple’s privacy policies and the policies of the internet provider(s). If you have chosen to email data you had input into the Pay Off Debt app to one or more email addresses, that information is now visible in plain text to anyone who is able to access that email. Email is not secure.

We will disclose personally identifiable information about you if we have it and are required to do so by law. We may also disclose personally identifiable information about you to law enforcement if we have a reasonable belief that exigent circumstances exist, such as if you have sent emails to us or made comments on this site that we perceive to be of a threatening nature, either to others or yourself.

Third-party sites (such as Bluehost, Aweber, Facebook, Pinterest, Twitter, Google, Apple, AppsFlyer, and Stripe) may also acquire your information via your actions on this site and/or the Pay Off Debt app as we use their sites for infrastructure, email, sales, marketing, and social media purposes, and data is stored and shared on their sites and with us in accordance with their individual privacy policies.

The content on this site and/or emails from us should not be considered advice for your particular situation, as every situation is different and we cannot know all the details of your situation. Seek competent professional advice on all financial, health, tax, legal and other important matters from someone that understands your individual situation. We disclaim any responsibility for your actions or inactions.

Use at your own risk.

This Privacy Policy/Disclaimer is subject to change at any time without notice. The last update to this Privacy Policy/Disclaimer was August 25, 2017 at 10:12 am MST.

If you do not agree with this Privacy Policy/Disclaimer, do not visit, do not read its contents, and do not use the Pay Off Debt app.

If you do agree with this Privacy Policy/Disclaimer, please review them regularly to be sure that you continue to agree.