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Reducify Privacy Policy


Effective Date: November 1, 2025 


Reducify (“we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use the Reducify app (“App”) and related services.

 

1. Information We Collect


We collect the following types of information to provide and improve your experience with Reducify:
 

  • Account Information: Name, email address, and graduation year.
     

  • Profile Information: Gender identity, state of residence, university, major, and anticipated graduation date.
     

  • Financial Inputs: Student loan balance, repayment goals, selected repayment percentage targets, and self-reported payment activity. Payment activity you log in the App is self-reported. Reducify does not process, facilitate, or transmit loan payments, and does not have access to your lender accounts.
     

  • Partner Matching Inputs: Information you provide that helps us recommend an accountability partner (e.g., profession, interests, school, or other optional matching attributes).
     

  • Chat Content: Messages exchanged with your accountability partner through our in-app chat feature. This is considered user-generated content.
     

  • Survey Responses: Readiness surveys, reflections, or other information you choose to record.
     

  • Usage Data: Interactions with tools, resources, quizzes, and progress trackers.
     

  • Device Data: Basic technical data (e.g., device type, OS version) used to maintain app performance.
     

  • Payment Information: Subscription purchases are processed through third - party platforms such as Apple. We do not collect or store your full payment card details. We may receive limited information related to your subscription staatus (e.g., active subscription, purchase confirmation).

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Reducify does not collect or store bank account details, lender login credentials, or access to your financial accounts.

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2. How We Use Information


We use the information we collect to:
 

  • Personalize your experience and recommend the appropriate program track (Grace Period or Financial Readiness).
     

  • Calculate repayment insights and display progress toward your financial goals.
     

  • Enable accountability partner matching based on the profile information you provide.
     

  • Facilitate partner communication through our in-app chat.
     

  • Maintain the safety and integrity of the platform, including the ability to moderate reported chat content.
     

  • Deliver financial literacy content, micro-actions, and customized recommendations.
     

  • Generate aggregated, anonymized insights for internal research or university partners (where applicable).
     

  • Process and manage your subscription, including confirming payment status and providing access to paid features.

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3. Data Storage and Security

Your data is stored securely using encrypted databases and industry-standard safeguards to prevent unauthorized access, loss, or disclosure. See our Data Security Policy for more details.

 

4. Sharing of Information

We do not sell, rent, or trade your personal data. We may share limited information with trusted third-party service providers who support the operation of the App, including:
 

  • Payment processors (e.g., Apple) to facilitate subscriptions

  • Analytics providers (e.g., Firebase, Mixpanel) to improve performance and user experience

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These providers are only given access to the information necessary to perform their functions and are required to protect your data.


5. Your Rights

You may request access to, correction of, or deletion of your personal data at any time by contacting info@reducifyapp.com.

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6. Children’s Privacy

Reducify is intended for users 18 years and older. We do not knowingly collect data from children under 18.

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7. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted in the App and on our website. Continued use after updates constitutes acceptance of the revised Policy.

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8. Third-Party Services

Reducify relies on third-party services to operate certain features, including payment processing and analytics. Your use of these services may be subject to the terms and privacy policies of those third parties. We encourage you to review their policies for more information.
 

9. Contact Us

Questions about privacy? Email info@reducifyapp.com.

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