Terms of Service
Last updated: January 2026
Agreement to Terms
By downloading, installing, or using Debt Snowballer ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to use the App.
The Service
Debt Snowballer is a personal finance tracking tool designed to help you organize and pay off your debts. Please understand:
- • We provide tools for tracking and planning, not financial advice
- • You are responsible for your own financial decisions
- • For personalized financial advice, please consult a qualified professional
- • Results depend on your specific situation and actions
User Responsibilities
When using Debt Snowballer, you agree to:
- • Provide accurate information for the best results
- • Use the App only for lawful purposes
- • Keep your device and any account credentials secure
- • Not attempt to reverse engineer, copy, or redistribute the App
Subscriptions and Payments
Debt Snowballer offers both free and paid subscription tiers:
- • Free tier: Available to all users with some feature limitations
- • Pro subscription: Billed through Apple's App Store
- • Cancellation: Manage subscriptions through your Apple ID settings
- • Refunds: Subject to Apple's refund policies
We do not directly handle payment information. All purchases are processed securely through Apple.
Intellectual Property
The App, including its design, code, graphics, and content, is owned by Debt Snowballer and protected by intellectual property laws. Your use of the App grants you:
- • A limited, non-exclusive, non-transferable license to use the App
- • No ownership rights to the App or its content
- • No rights to copy, modify, distribute, or create derivative works
Disclaimers
Please read these disclaimers carefully:
- ⚠ As-is service: The App is provided "as is" without warranties of any kind
- ⚠ Not financial advice: This is a tool, not professional financial guidance
- ⚠ No guarantees: We cannot guarantee specific financial outcomes
- ⚠ Results vary: Your results depend on your individual situation and actions
Limitation of Liability
To the maximum extent permitted by law:
- • We are not liable for any indirect, incidental, special, or consequential damages
- • Our total liability is limited to the amount you paid us in the past 12 months
- • Some jurisdictions do not allow these limitations, so they may not apply to you
Changes to Terms
We reserve the right to update these Terms at any time. When we make significant changes, we will notify you through the App or by other means. Your continued use of the App after changes are posted constitutes acceptance of the updated Terms.
Termination
Regarding the end of your use of the App:
- • You may stop using the App at any time by deleting it
- • We may terminate or suspend access for violations of these Terms
- • Upon termination, your right to use the App immediately ceases
Governing Law
These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or your use of the App shall be resolved in the courts of the United States.