Terms of Service

1. Agreement to Terms

By downloading, accessing, or using the Debt Payoff Android application or our website (debtpayoffapp.com), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, you must immediately discontinue using our software.

2. Mathematical Models & Potential Lender Variance

Our calculation engines deploy industry-standard compound amortization algorithms (such as the monthly rate $r = \frac{\text{APR}}{12}$ model). However, you understand and acknowledge that:

• info Lender Calculation Differences: Financial institutions may compute interest using daily compounding methods, 365/360-day year counts, or average daily balance methods that differ slightly from standard monthly models.
• info Fees & Rate Fluctuations: Variable APR loans, late payment penalties, annual membership fees, and promotional deferred interest clauses may alter your actual debt payoff timeline.
• info Verification Obligation: You are solely responsible for cross-referencing your actual monthly billing statements with your lenders before making major financial commitments.

3. Subscriptions & In-App Purchases

Debt Payoff offers optional Pro upgrades (Monthly Subscription, Annual Subscription with 7-Day Free Trial, or Lifetime One-Time Purchase). All billing is governed by the following terms:

A. Google Play Billing System

All payments, recurring subscription cycles, and transactions are processed directly by Google LLC through your Google Play Store account. We do not store, view, or process payment cards.

B. Automatic Renewal & Cancellation

Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the renewal date. You may cancel anytime directly through the Google Play Store → Profile → Payments & Subscriptions → Subscriptions.

C. Refunds & Restore Purchases

Refund requests are subject to Google Play's standard refund policies. If you switch devices or reinstall the app, you can restore your active Pro license at zero charge using the Restore Purchases button in the app settings.

4. Pre-Registration Reward Terms & Conditions

The following terms and conditions govern the pre-registration reward promotional campaign for Debt Payoff on the Google Play Store:

• card_membership Reward Item: The designated pre-registration reward is the Founding Member VIP Pack (Product ID: founder_early_access_pack). This one-time package grants early adopters permanent access to advanced payoff features, including unlimited debt tracking, interactive strategy simulations, lump sum acceleration models, and customizable PDF reports.
• how_to_reg Eligibility: Open solely to users who pre-register for Debt Payoff on Google Play during the official pre-registration campaign prior to the public commercial launch.
• redeem Redemption Window: Eligible users must install and launch the Debt Payoff application on their registered device within fourteen (14) calendar days following the app’s official launch notification from Google Play. Upon opening the app, the Founding Member reward will be credited to the user’s Google Play account at no monetary charge ($0.00).
• block Limitations: Limited strictly to one (1) reward per Google Play account. The reward is personal, non-transferable, non-refundable, cannot be assigned or resold, and holds no cash surrender value.
• policy Governing Policies: This promotion is void where prohibited by law and is conducted in full compliance with the Google Play Developer Program Policies. We reserve the right to disqualify any fraudulent, automated, or abusive claims.

5. Data Ownership & Security

You retain 100% ownership of all financial records, notes, and debt entries entered into the application. Because your data is stored locally on your device:

• • You are solely responsible for securing physical and biometric access to your smartphone.
• • We cannot remotely restore your debt records if you uninstall the app or lose your phone, as we do not hold a cloud backup.

6. Intellectual Property Rights

The Debt Payoff application, brand identity, user interface designs, custom icons, graphics, and underlying source code are the proprietary intellectual property of Debt Payoff and are protected under international copyright, trademark, and trade secret laws.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DEBT PAYOFF, ITS DEVELOPERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE SOFTWARE, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, CREDIT SCORE FLUCTUATIONS, OR INTEREST CHARGES INCURRED WITH YOUR CREDITORS.

8. Contact & Legal Inquiries

For formal inquiries or questions regarding these Terms of Service, please contact our legal desk: