Terms of Service

Agreement to Terms

By accessing and using DebtFree Journey, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this application.

⚠️ Important Disclaimer

DebtFree Journey is provided for informational purposes only. The calculations, projections, and recommendations provided by this application are not professional financial advice.

You should consult with a qualified financial advisor, credit counselor, or other professional before making any financial decisions.

No Liability

DebtFree Journey and its creators are not liable for:

  • Any financial decisions you make based on information from this application
  • Errors or inaccuracies in calculations or projections
  • Loss of data stored in your browser
  • Any damages arising from your use of this application

This application is provided "as is" without warranties of any kind, express or implied.

Accuracy of Information

While we strive to provide accurate calculations and useful tools, we cannot guarantee:

  • The accuracy of debt payoff projections
  • The suitability of any strategy for your specific situation
  • That results will match your actual financial outcomes

Many factors affect debt payoff that this application cannot account for, including changes in interest rates, fees, life circumstances, and financial emergencies.

User Responsibilities

As a user of DebtFree Journey, you are responsible for:

  • Entering accurate debt and payment information
  • Backing up your data if you wish to preserve it
  • Understanding that clearing your browser data will delete your debt information
  • Seeking professional advice for significant financial decisions
  • Complying with all applicable laws and regulations

No Professional Relationship

Using DebtFree Journey does not create a professional relationship between you and the creators of this application. We are not your financial advisors, credit counselors, or fiduciaries.

Third-Party Links

This application may contain links to third-party websites or services. We are not responsible for:

  • The content or privacy practices of linked websites
  • Any damages arising from your use of third-party services

Data Loss

Your debt data is stored locally in your browser. We are not responsible for data loss due to:

  • Browser updates or changes
  • Clearing browser data
  • Device failure or loss
  • Any other cause

We strongly recommend regularly exporting your data as a backup.

Modifications to Service

We reserve the right to:

  • Modify or discontinue the service at any time
  • Change these terms without prior notice
  • Update features and functionality

Intellectual Property

The DebtFree Journey application, including its design, code, and content, is protected by copyright and other intellectual property laws. You may not copy, modify, or distribute the application without permission.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Governing Law

These terms are governed by applicable laws. Any disputes arising from these terms or your use of the application will be resolved in accordance with those laws.

Contact

If you have questions about these terms, please contact us through our support channels.

Last updated: November 2024