Terms of Service

Last updated: August 2025

1. Acceptance of Terms

By accessing or using DebtAva (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.

2. Description of Service

DebtAva provides budgeting and debt management tools to help you organize your personal finances, track expenses, and create monthly budgets. The Service is provided "as is" and "as available". We do not provide financial, legal, tax, or credit counseling, and we are not a fiduciary, financial advisor, or investment advisor. All information, calculations, and recommendations are for educational and informational purposes only.

3. No Financial, Investment, or Professional Advice

IMPORTANT DISCLAIMER: DebtAva is NOT a financial advisor, investment advisor, or financial planning service. The Service and all communications (including emails, notifications, and content) do not constitute financial, legal, tax, investment, or credit advice. We do not provide personalized financial recommendations or investment guidance. All information, calculations, estimates, and suggestions are for educational and informational purposes only.

You should always consult with qualified financial professionals, certified financial planners, accountants, or other licensed professionals before making any financial decisions, investment decisions, or taking any actions based on information provided through the Service. You are solely responsible for your financial decisions and any consequences thereof.

4. Investment and Financial Decision Disclaimer

NOT FOR INVESTMENT PURPOSES: DebtAva is not intended for investment purposes, securities trading, or investment decision-making. We do not provide investment advice, market analysis, or recommendations regarding securities, stocks, bonds, mutual funds, or any other investment vehicles. Any financial calculations, projections, or estimates provided by the Service should not be used as the sole basis for investment decisions.

Past performance does not guarantee future results. All financial projections, estimates, and calculations are based on assumptions and historical data that may not reflect future market conditions or your specific financial situation. You assume all risks associated with any financial decisions you make.

5. Accounts and Security

You are responsible for safeguarding your account credentials and for all activity under your account. You must provide accurate information and notify us immediately of any unauthorized use. We may suspend or terminate access for suspected misuse or violations.

6. Subscriptions and Billing

Some features require a paid subscription. Prices may change upon notice. Taxes may apply. If a payment fails, we may suspend access to paid features until the issue is resolved. You may cancel at any time; refunds are governed by our refund policy where applicable.

7. User Content

You retain ownership of content you submit. You grant us a limited license to process and display your content solely to provide the Service. You represent that you have the rights to submit such content and that it does not violate any third-party rights or laws.

8. Acceptable Use

You agree not to misuse the Service, including without limitation: reverse engineering, interfering with security, attempting unauthorized access, uploading malware, or using the Service to harass, spam, or violate laws.

9. Disclaimers

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEBTAVA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNTS YOU PAID US (IF ANY) IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.

11. Third-Party Services

The Service may integrate with third-party services (e.g., Stripe, Resend). We are not responsible for third-party services, and your use of them is subject to their terms and privacy policies.

12. Changes to the Service and Terms

We may modify or discontinue features at any time. We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of the applicable jurisdiction where DebtAva operates, without regard to conflict of law principles. Venue shall lie exclusively in competent courts of that jurisdiction.

14. Contact

For questions about these Terms, contact us at debtava.recko@gmail.com.