Privacy Policy

Your privacy is very important to us. At Xeroed we have a few fundamental principles:

  • We don't ask you for personal information unless we truly need it.
  • We don't share your personal information with anyone except to comply with the law, develop our products, or protect our rights.
  • We don't store personal information on our servers unless required for the on-going operation of our service.

Below is our privacy policy which incorporates these goals. It is based upon the privacy policy, which the kind folks there have decided to make available under a Creative Commons Sharealike license. ("Xeroed") operates the website It is Xeroed's policy to respect your privacy regarding any information we may collect while operating our website.

Website Visitors

Like most website operators, Xeroed collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Xeroed's purpose in collecting non-personally identifying information is to better understand how Xeroed's visitors use its website. From time to time, Xeroed may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Xeroed may contract with third-party service providers to assist in better understanding its site visitors. These service providers are not permitted to use the information collected on Xeroed's behalf except to help it conduct and improve its business. Xeroed uses Google Analytics to collect aggregate information about how its visitors interact with its website, so the site can be improved. Google Analytics does not record any personally identifiable information (such as names, social security numbers, email addresses, or any similar data). You can read the privacy policy for Google Analytics on their website, and can download their opt-out browser add-on from their website to opt-out from Google Analytics data collection.

Xeroed also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users saving data on its website. Xeroed only discloses these IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

Payment processing

Xeroed uses Stripe for payments, analytics, and other business services. Stripe collects identifying information about the devices that connect to its services. Stripe uses this information to operate and improve the services it provides to us, including for fraud detection. You can learn more about Stripe and read their privacy policy on their website.

Gathering of Personally-Identifying Information

Certain visitors to Xeroed's websites choose to interact with Xeroed in ways that require Xeroed to gather personally-identifying information. The amount and type of information that Xeroed gathers depends on the nature of the interaction. For example, we ask visitors who sign up for an account at to provide a username and email address. In each case, Xeroed collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Xeroed. Xeroed does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

Xeroed may collect statistics about the behavior of visitors to its websites. For instance, Xeroed may monitor the pace of card pay-downs on its site. Xeroed may display this information publicly or provide it to others. However, Xeroed does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Xeroed discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Xeroed's behalf or to provide services available at Xeroed's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Xeroed's websites, you consent to the transfer of such information to them. Xeroed will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Xeroed discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Xeroed believes in good faith that disclosure is reasonably necessary to protect the property or rights of Xeroed, third parties or the public at large. If you are a registered user of a Xeroed website and have supplied your email address, Xeroed may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Xeroed and our products. We primarily use our various product blogs to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Xeroed takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.


A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Xeroed uses cookies to help Xeroed identify and track visitors, their usage of Xeroed website, and their website access preferences. Xeroed visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Xeroed's websites, with the drawback that certain features of Xeroed's websites may not function properly without the aid of cookies.

Business Transfers

If Xeroed, or substantially all of its assets, were acquired, or in the unlikely event that Xeroed goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Xeroed may continue to use your personal information as set forth in this policy.

Privacy Policy Changes

Although most changes are likely to be minor, Xeroed may change its Privacy Policy from time to time, and in Xeroed's sole discretion. Xeroed encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.