1. Introduction
Visionary Solution LLC ("Company," "we," or "us") operates Nova Debt Helper, an AI-powered debt advisory tool available at nova.visionaryconsultant.net (the "Service"). This Privacy Policy explains how we collect, use, store, and protect your personal information when you use the Service.
By using the Service, you consent to the data practices described in this policy. If you do not agree, please discontinue use of the Service.
2. Information We Collect
We collect the following categories of personal data when you use Nova Debt Helper:
| Data Category | Examples | Purpose |
|---|---|---|
| Conversation Text | Messages you send to Nova, including questions and responses | Provide personalized debt guidance |
| Financial Details | Debt amounts, creditor names, interest rates, income, expenses | Generate personalized debt repayment plans |
| Contact Information | Email address, name (if provided) | Send debt plans, communicate about the Service |
| Usage Data | Pages visited, features used, session duration, device info | Improve Service performance and user experience |
| Technical Data | IP address, browser type, operating system, referral source | Security, debugging, and analytics |
Sensitive Data Notice: You may voluntarily share financial details (debt amounts, income, expenses) to receive personalized advice. This data is processed to generate your debt plan and is handled with the protections described in this policy. We encourage you to share only what is necessary for the Service to provide useful guidance.
3. How We Use Your Information
We use your personal data for the following purposes:
- Provide the Service: Process your inputs through our AI models to generate personalized debt repayment suggestions and educational content
- Send Plan Emails: Deliver your personalized debt freedom plan to the email address you provide
- Improve the Service: Analyze usage patterns and feedback to enhance Nova's responses, features, and user experience
- Communicate with You: Respond to your inquiries, send Service-related updates, and provide support
- Ensure Security: Detect and prevent fraud, abuse, or unauthorized access to the Service
- Comply with Law: Meet legal obligations, enforce our terms, and respond to lawful requests
4. Data Storage and Security
Where Your Data Is Stored
Your data is processed and stored using the following infrastructure:
- Cloudflare Workers: Our application logic runs on Cloudflare's global edge network, which processes your requests and manages session data
- Cloudflare D1 Database: Structured data (user profiles, plan records) is stored in Cloudflare's serverless SQL database, which provides encryption at rest and in transit
- Encryption in Transit: All data transmitted between your browser and our servers is protected using TLS encryption (HTTPS)
Security Measures
We implement reasonable technical and organizational measures to protect your data, including:
- TLS/SSL encryption for all data in transit
- Encrypted data storage via Cloudflare's infrastructure
- Access controls limiting data access to authorized personnel
- Regular security reviews and updates
However, no method of electronic transmission or storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.
5. Third-Party Services
We use the following third-party services to operate Nova Debt Helper:
| Service | Purpose | Data Accessed |
|---|---|---|
| Ollama / LLM API | AI chat processing — generates responses to your debt questions | Conversation text, financial details you share |
| Resend | Email delivery — sends your debt plan and notifications | Email address, name, plan content |
| Cloudflare | Infrastructure — hosting, database, CDN, security | All Service data (processed on Cloudflare's network) |
Third-party service providers are contractually obligated to process your data only as instructed by us and in accordance with applicable data protection laws. We encourage you to review their privacy policies:
6. We Do Not Sell Your Data
Visionary Solution LLC does not sell, rent, or trade your personal data to third parties. Period.
We share your data only with the third-party service providers listed above, solely for the purposes described in this policy. We do not share your data for marketing, advertising, or any commercial purpose beyond operating the Service.
7. Data Retention and Deletion
Retention
We retain your personal data only for as long as necessary to fulfill the purposes described in this policy, typically:
- Conversation data: Retained for up to 90 days to improve the Service, then automatically purged
- Account/profile data: Retained for the duration of your use of the Service
- Email records: Retained for up to 30 days after delivery
- Usage analytics: Aggregated and anonymized; raw data retained for up to 12 months
Your Deletion Rights
You have the right to request deletion of your personal data at any time by contacting us at privacy@visionarysolution.net. Upon receiving your request, we will:
- Delete your personal data from our active systems within 30 days
- Direct our third-party processors to delete your data from their systems
- Confirm completion of deletion via email
Certain data may be retained in anonymized, aggregated form that cannot identify you, or as required by law.
8. Cookies
We use only essential cookies required for the Service to function properly — specifically, a session identifier cookie. We do not use tracking cookies, analytics cookies, or third-party advertising cookies.
For full details, please see our Cookie Policy.
9. California Consumer Privacy Act (CCPA)
Under the California Consumer Privacy Act, California residents have the following rights:
- Right to Know: You may request a disclosure of the categories and specific pieces of personal information we have collected about you in the past 12 months
- Right to Delete: You may request that we delete your personal information, subject to certain exceptions
- Right to Opt-Out of Sale: We do not sell your personal information, so no opt-out is necessary
- Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights
To exercise any of these rights, contact us at privacy@visionarysolution.net. We will respond to verified requests within 45 days as required by law.
10. General Data Protection Regulation (GDPR)
For users in the European Economic Area (EEA), United Kingdom, and Switzerland, the following rights apply under the GDPR:
- Right of Access: Request a copy of your personal data
- Right to Rectification: Request correction of inaccurate personal data
- Right to Erasure ("Right to be Forgotten"): Request deletion of your personal data
- Right to Restrict Processing: Request that we limit how we use your data
- Right to Data Portability: Receive your data in a structured, machine-readable format
- Right to Object: Object to processing based on legitimate interests or for direct marketing
- Right to Withdraw Consent: Withdraw consent where processing is based on consent
Legal Basis for Processing: We process your data under the following legal bases:
- Contractual necessity: To provide the Service you requested
- Legitimate interests: To improve the Service, ensure security, and communicate with you
- Consent: Where you have given explicit consent for specific processing activities
If you wish to exercise any GDPR rights, contact us at privacy@visionarysolution.net. We will respond within 30 days.
You also have the right to lodge a complaint with your local supervisory authority.
11. International Data Transfers
Your data may be processed and stored on servers located in the United States. By using the Service, you acknowledge that your data may be transferred to and processed in the United States, which may have different data protection laws than your country of residence. We take appropriate safeguards to ensure your data is protected in accordance with this policy and applicable law.
12. Children's Privacy
Nova Debt Helper is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have collected data from a person under 18, we will promptly delete it. Contact us at privacy@visionarysolution.net if you believe this has occurred.
13. Changes to This Policy
We may update this Privacy Policy from time to time. We will update the "Last Updated" date at the bottom of this page when changes are made. For material changes that significantly affect your privacy rights, we will provide reasonable notice (such as a notice on the Service or via email). Your continued use of the Service after changes constitutes acceptance of the updated policy.
14. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact us:
- Privacy Email: privacy@visionarysolution.net
- Company: Visionary Solution LLC
- Website: nova.visionaryconsultant.net
Last Updated: April 19, 2026