Have any questions?
We’re happy to answer them!

Dropping us a line after midnight? Don’t worry, we’re probably still up, likely with the music loud and the coffee brewing. We’ll get back to you as soon as the sun (or the next track) comes up!

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Frequently Asked Questions

What exactly is the “Level” app?

Think of Level as your personal debt-free architect. It’s a tool built on a “novel algorithmic engine” designed to do the heavy lifting for you. Instead of guessing where to put your extra cash each month, Level calculates exactly which loan to target to minimize interest and maximize your speed to freedom. It’s the same math I used to hack my own student loans, now turned into a sleek, empowering experience for you.

What does “Collateral Joy” mean for me?

At Collateral Joy LLC, we believe that when you use technology to master your money, the benefits don’t stop at your bank balance. The “collateral” is the extra stuff: the better sleep, the reduced stress, and the ability to show up more vibrantly for your community. Our mission is to build software that creates these positive ripple effects in your life.

Is my financial data safe with you?

Absolutely. We take your privacy as seriously as we take your debt payoff. We’ve built our platform with strict compliance standards (like CalOPPA and CCPA/CPRA) to ensure your data stays yours. We’re in the business of building your future, not selling your information.

How can I get involved or support the mission?

We love the energy! Whether you’re a user looking to level up your finances or someone interested in the “vibey” intersection of tech and community, the best way to stay in the loop is via our blog at CollateralJoy.com. If you have specific questions or just want to send some good vibes our way, use the form below—we’re always down for a conversation (especially when the music is playing).

Have any questions?We’re happy to answer them!

Contact Us

Frequently Asked Questions

Have any questions?
We’re happy to answer them!