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Terms of Service

The ground rules for using DebtFlow — kept simple and fair.

Last updated: June 2025

1. Acceptance of Terms

  • By creating an account or using DebtFlow, you agree to these Terms of Service.
  • If you do not agree to these terms, please do not use the service.
  • We may update these terms from time to time. Continued use of DebtFlow after changes constitutes acceptance of the new terms.

2. Description of Service

  • DebtFlow is a personal debt management and tracking tool that helps you organize, plan, and pay off your debts.
  • We provide AI-powered coaching, what-if scenario planning, milestone tracking, and emergency fund management.
  • DebtFlow is an informational tool — it is not a financial advisor, lender, or credit counseling service.
  • All financial decisions remain your responsibility. Our AI suggestions are for educational and motivational purposes only.

3. User Accounts & Responsibilities

  • You must provide a valid email address and create a secure password to use DebtFlow.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • You agree to provide accurate information about your debts and financial situation.
  • You must be at least 18 years old to use this service.
  • You may not use DebtFlow for any unlawful purpose or in violation of any applicable laws.

4. Subscriptions & Payments

  • DebtFlow offers a Free tier and a Pro subscription ($4.99/month).
  • Pro subscriptions are billed monthly through Stripe, our secure payment processor.
  • You may cancel your subscription at any time through the billing portal — no cancellation fees apply.
  • Upon cancellation, you retain Pro access until the end of your current billing period.
  • Refund requests are handled on a case-by-case basis. Contact us through the Support page for assistance.

5. Disclaimers & Limitations

  • DebtFlow is provided "as is" without warranties of any kind, express or implied.
  • We do not guarantee that the service will be uninterrupted, error-free, or completely secure.
  • AI-generated advice, projections, and scenarios are estimates based on the data you provide and may not reflect actual outcomes.
  • DebtFlow is not a substitute for professional financial, tax, or legal advice.
  • We are not liable for any financial decisions you make based on information provided by DebtFlow.

6. Intellectual Property

  • All content, design, features, and code within DebtFlow are owned by DebtFlow and protected by applicable laws.
  • You retain ownership of the data you enter into DebtFlow.
  • You may not copy, modify, or reverse-engineer any part of the DebtFlow service.

7. Account Termination

  • You may delete your account at any time from the Settings page.
  • We may suspend or terminate accounts that violate these terms or engage in abusive behavior.
  • Upon account deletion, all your data is permanently removed from our systems.

8. Contact

  • If you have questions about these terms, please reach out through our Support page.
  • We aim to respond to all inquiries within 48 hours.
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