Terms of Service

Who we are

Debtera is a debt tracking and repayment planning app designed to help users understand what they owe, record repayments, track progress, set financial goals, and build healthier debt repayment habits.

Business/legal name: [INSERT LEGAL NAME]. Contact email: support@debtera.app. Website: https://www.debtera.app.

Registration and access

Minimum age. You must be at least 13 years old, or the minimum age required in your country to use Debtera. If you are under 18, you must have permission from your parent or legal guardian.

Registration. You may use Debtera as a guest where supported or create an account. You must provide accurate and complete information when creating an account. You may not share your account credentials or make your account available to anyone else, and you are responsible for all activity under your account.

Account security. You are responsible for keeping your device, login details, PIN, biometric settings, and app access secure.

Using Debtera

What you can do. Subject to your compliance with these Terms, you may access and use Debtera for your own personal debt tracking, repayment planning, record keeping, and app-supported financial organization.

What Debtera does. Debtera may include guest mode, account creation and sign-in, cloud sync, debt and payment tracking, repayment planning tools, profile and settings management, local PIN and biometric unlock, notifications, daily reminders, premium features, subscriptions, CSV export features, analytics, and crash reporting.

Software. Debtera may be provided as a mobile application or website. The app may update automatically to improve functionality, security, compatibility, or reliability.

What you cannot do

You may not use Debtera for illegal, harmful, abusive, or unauthorized activity. For example, you may not:

• Use Debtera in a way that violates applicable law or anyone else's rights.
• Attempt to access another user's account or data.
• Interfere with, damage, disrupt, reverse engineer, decompile, or attempt to discover the source code or underlying systems of Debtera except where applicable law prohibits this restriction.
• Circumvent account, security, subscription, premium feature, sync, or access controls.
• Upload malicious code or use Debtera to distribute abusive, misleading, fraudulent, or unlawful content.
• Misrepresent your identity or create accounts using information you are not authorized to use.
• Use Debtera in a way that could harm other users, the app, our service providers, or Debtera's operation.
• Copy, sell, sublicense, distribute, modify, or create derivative works from Debtera except where permitted by law or expressly allowed by us.

Your data and content

You are responsible for the information you enter into Debtera, including debt amounts, creditor names, payment amounts, payment dates, interest rates, minimum payments, target dates, financial goals, profile details, notes, exports, and settings.

You represent that you have the rights and permissions needed to provide information to Debtera and that the information you provide does not violate applicable law or third-party rights.

Debtera does not verify debt balances, payment history, creditor information, or repayment progress. You should check important records against official creditor, bank, loan, card, or payment statements.

Our Privacy Policy explains how we collect, use, store, and share information. Although it does not form part of these Terms, it is an important document that you should read.

Security features

Debtera may offer local PIN lock and biometric unlock. These are convenience and privacy features, not a guarantee that app data cannot be accessed.

Biometric authentication is handled by your device. Debtera does not store biometric templates.

You are responsible for maintaining control of your device, operating system security, app permissions, account credentials, and backup practices.

Cloud sync and local data

Debtera may store data locally on your device and sync account-backed data using cloud services. You understand that:

• Cloud sync may include profile, settings, subscription, stats, debts, and payment records.
• Sync may depend on internet availability, device status, third-party services, and app configuration.
• Local and cloud records may occasionally differ while sync is pending.
• You should not rely on Debtera as your only record of financial obligations.
• Uninstalling the app, clearing app storage, changing devices, or using guest mode may affect access to local data.

No financial, legal, tax, or debt advice

Debtera is an informational tracking and planning tool only. It does not provide financial advice, legal advice, tax advice, credit advice, insolvency advice, debt counselling, regulated financial services, or debt collection services.

Any repayment projections, goals, milestones, daily targets, payment reminders, debt-cleared status, or planning suggestions are for general organization and informational purposes only.

You are responsible for your financial decisions. Before making important financial decisions, consider seeking advice from a qualified professional.

Notifications and reminders

If you enable notifications, Debtera may send reminders related to repayments, habits, goals, or app usage.

Notifications are reminders only. They are not financial advice, debt collection notices, creditor notices, legal notices, or guaranteed alerts. You remain responsible for making payments on time and checking official due dates with creditors.

Exports

Debtera may allow exporting certain repayment or app data, such as repayment logs.

You are responsible for exported files once they are saved, shared, transferred, downloaded, or stored outside Debtera.

Premium features and subscriptions

Debtera may offer free and premium features. Premium features may include enhanced customization, premium themes, custom groups, custom colors, custom icons, or other features described in the app.

Subscriptions or purchases may be handled through app stores, RevenueCat, or other billing providers. Billing terms, refunds, renewals, cancellations, and trial rules may also be governed by the relevant app store or payment provider.

Unless stated otherwise, subscription fees are charged in advance, premium access may continue until the end of the current billing period after cancellation, and we may change premium features or pricing subject to applicable law and app store rules.

If payment cannot be completed, premium access may be limited, downgraded, or suspended until payment is received.

Third-party services

Debtera relies on third-party services, which may include Supabase, Firebase, RevenueCat, app store billing providers, Expo, hosting providers, analytics providers, crash reporting tools, and other infrastructure or operational providers.

Your use of third-party services may be subject to their own terms and privacy policies. We are not responsible for third-party services that we do not control.

Feedback

We appreciate feedback, suggestions, ideas, and bug reports. If you provide feedback, you agree that we may use it without restriction or compensation to you.

Our intellectual property rights

Debtera, including its design, branding, text, software, icons, graphics, features, and content, is owned by us or our licensors and is protected by intellectual property laws.

You are granted a limited, personal, non-exclusive, non-transferable, revocable license to use Debtera for your own personal purposes in accordance with these Terms.

Termination and suspension

You may stop using Debtera at any time. We may suspend or terminate your access, remove features, or delete your account if we reasonably determine that:

• You breached these Terms.
• Your account has been misused, compromised, or used in an unauthorized way.
• We must do so to comply with law.
• Your use of Debtera could create risk or harm for Debtera, users, service providers, or others.
• The service, feature, or account type is discontinued.

Termination may affect your access to cloud-synced data, premium features, account services, and exports.

Discontinuation and changes to Debtera

We aim to keep Debtera available and reliable, but we do not guarantee uninterrupted, error-free, or permanent availability.

We may update, modify, suspend, discontinue, limit, or remove parts of Debtera at any time. We may also change features, fix bugs, add limits, adjust sync behavior, or change premium functionality.

If we discontinue a paid service where applicable law or app store rules require a refund for prepaid unused access, we will follow those requirements.

Disclaimer of warranties

Debtera is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement, uninterrupted operation, and any warranties arising from course of dealing or usage of trade.

We do not guarantee that debt calculations will always be accurate, repayment projections will match real-world results, reminders will always arrive, sync will always be immediate, exported data will always be complete, or Debtera will meet every financial or planning need.

Limitation of liability

To the fullest extent permitted by law, Debtera and its operators will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, savings, data, goodwill, financial opportunity, or financial outcomes.

Our total liability for claims related to Debtera will be limited to the greater of the amount you paid to use Debtera in the 12 months before the claim or [INSERT AMOUNT]. Some laws do not allow certain limitations, so some of these limits may not apply to you.

Indemnity

To the extent permitted by law, you agree to indemnify and hold us harmless from claims, losses, damages, liabilities, costs, and expenses arising from your use of Debtera, your data, your breach of these Terms, or your violation of law or third-party rights.

Copyright and intellectual property complaints

If you believe your intellectual property rights have been infringed through Debtera, contact us at support@debtera.app with enough information for us to understand and investigate the issue.

General terms

• Assignment. You may not assign or transfer your rights or obligations under these Terms without our permission. We may assign our rights or obligations to an affiliate, successor, or as part of a business transfer.
• Changes to these Terms. We may update these Terms from time to time. If changes are material, we will take reasonable steps to notify users, such as updating the effective date, posting a notice, or providing an in-app notice. Your continued use of Debtera after updated Terms take effect means you accept the updated Terms.
• Delay in enforcement. Our failure to enforce a provision is not a waiver of our right to do so later.
• Severability. If any part of these Terms is determined to be invalid or unenforceable, the remaining terms will remain in effect.
• Entire agreement. These Terms, together with any service-specific terms that apply, contain the entire agreement between you and Debtera regarding the service.
• Governing law. These Terms are governed by the laws of [INSERT JURISDICTION], unless applicable consumer protection laws require otherwise. Courts located in [INSERT VENUE/JURISDICTION] will have jurisdiction, unless applicable law gives you the right to bring claims elsewhere.

Contact

Questions about these Terms can be sent to Debtera Support at support@debtera.app.

Legal name: [INSERT LEGAL NAME]. Registered address: [INSERT ADDRESS].