Terms of Service

By accessing or using DebtFlow ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

We reserve the right to update or change these Terms at any time. Your continued use of the Service after any modifications constitutes acceptance of the new Terms.

You must be at least 18 years old to use this Service. By using DebtFlow, you represent and warrant that you meet this age requirement.

DebtFlow is a comprehensive debt management platform that provides tools for tracking, analyzing, and optimizing credit card debt repayment strategies.

The Service includes features such as multi-card tracking, payment strategy calculations (Snowball and Avalanche methods), progress visualization, payment reminders, and financial analytics.

Some features may require a paid subscription ("Pro" features). Free and paid feature availability is subject to change.

To access certain features, you must create an account. You are responsible for maintaining the confidentiality of your account credentials.

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

You are responsible for all activities that occur under your account. Notify us immediately of any unauthorized use.

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

Your use of DebtFlow is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

We implement industry-standard security measures to protect your financial data, including encryption and secure data storage.

You acknowledge that no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

We will never sell your personal financial data to third parties. Data sharing is limited to essential service providers as outlined in our Privacy Policy.

You agree to use DebtFlow only for lawful purposes and in accordance with these Terms.

You may not use the Service to transmit any harmful, offensive, or illegal content.

Attempting to gain unauthorized access to any portion of the Service or any systems or networks is prohibited.

You may not use automated systems or software to extract data from the Service without our express written permission.

DebtFlow provides tools and calculations based on the information you provide. We are not a financial advisor, and the Service does not constitute professional financial advice.

All payment strategies and projections are estimates based on mathematical calculations and should not be relied upon as guarantees.

You should consult with qualified financial professionals before making significant financial decisions.

We are not responsible for any financial outcomes resulting from your use of the Service or implementation of suggested strategies.

Paid subscriptions ("DebtFlow Pro") are billed on a recurring basis according to the plan you select.

Subscription fees are non-refundable except where required by law or as specified in our refund policy.

We reserve the right to change subscription prices with 30 days notice. Price changes will apply to subsequent billing cycles.

Failure to pay subscription fees may result in suspension or termination of Pro features.

The Service and its original content, features, and functionality are owned by Sixfoldgroup and are protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of any part of the Service without our express written permission.

User-generated content remains your property, but you grant us a license to use, display, and process it as necessary to provide the Service.

Any feedback or suggestions you provide may be used by us without compensation or attribution.

DebtFlow may integrate with third-party services (such as banking APIs or payment processors). Your use of these services is subject to their respective terms and privacy policies.

We are not responsible for the accuracy, reliability, or security of third-party services.

Bank account connections and automatic balance updates are provided through secure third-party providers. You authorize us to access this information on your behalf.

We may earn commissions from certain third-party financial products recommended within the Service.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEBTFLOW AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

Our total liability for any claims under these Terms shall not exceed the amount you paid us in the 12 months prior to the claim.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.

You agree to indemnify and hold harmless DebtFlow, Sixfoldgroup, and their officers, directors, employees, and agents from any claims, losses, or damages arising from your use of the Service or violation of these Terms.

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

Upon termination, your right to use the Service will cease immediately. You may request deletion of your data as outlined in our Privacy Policy.

All provisions of these Terms which by their nature should survive termination shall survive.

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration, except where prohibited by law.

You waive any right to a jury trial or to participate in a class action lawsuit.

For questions about these Terms of Service, please contact us at:

Email: legal@debtflow.app

Mailing Address: Sixfoldgroup, [Address to be provided]

Support: support@debtflow.app