A few people asked whether DebtKeeper "is AI", so let me be exact, because the pinned post only covers how it's built.
No AI runs inside DebtKeeper. Nothing in the app is generated, decided or automated by an AI. There is no chatbot, no AI-written messaging system, and nothing that decides anything about your money or your relationships on its own.
What does run by itself is rules you set, executed by ordinary code: the interest you both agreed, reminders on the due dates you chose, deadlines you set. That's a calculator doing what you told it, and every change to how it works is dated on the public changelog.
Nothing you write or record in DebtKeeper is sent to an AI service. The one automated check anywhere near it is the optional 18+ verification, done by our verification partner, disclosed on the privacy page, and we only receive the result.
Where AI is involved: I use AI coding tools while I write the software, the way most developers do now. What ships is reviewed, tested and decided by me, and I'm the one operating the servers.