Terms of Use

General information

These Terms of Use (“Terms”) apply to your use of the Debt Payoff Planner: Tracker app for iPhone, available on the App Store, and the debtpayoff.app website, including its calculators, spreadsheet and printable downloads. Together they are the “Service”. The developer of Debt Payoff Planner: Tracker (“we” or “us”) provides the Service. Please read these Terms carefully.

Accepting these Terms

If you download, access or use the Service, you agree to be bound by these Terms. Please read all of them before you use the Service. If you do not agree to all of them, please do not use the Service.

We may change these Terms at any time, for example when we release a new feature. When we do, we update the “Last updated” date at the top of this page. If you keep using the Service after a change, you accept the updated Terms.

Purchases and subscriptions

The app is free to download and free for up to 3 debts. Premium is an optional auto-renewing subscription that you buy in the app, with monthly and yearly plans. Before you confirm a purchase, the App Store shows the price in your currency and any free trial you can get. Apple processes every payment through your Apple account, and Apple’s terms apply to the transaction.

Your subscription renews automatically unless you turn off automatic renewal at least 24 hours before the end of the current period. You can manage or cancel it at any time in your Apple account settings. On iPhone, open Settings, tap your name and then tap Subscriptions. Deleting the app does not cancel a subscription.

Apple handles refunds for App Store purchases, not us. You can ask for a refund through Apple’s Report a Problem page. Prices, features and free trials may change over time. A change never applies to a period you have already paid for.

Apple’s Standard End User License Agreement (EULA) applies to your license to use the app. These Terms add to that agreement and do not replace it.

Third-party services

We may link to websites or services that we do not own or control, such as the App Store and the App Store pages of other apps in our guides. Parts of the Service also run on services that others operate, such as the App Store for the app and Netlify for the website.

Your use of those websites and services is governed by their own terms of service and privacy policies. We encourage you to read them before you use them.

Your data

The app does not need an account and never asks for your bank login. You enter your debts and payments yourself. They are stored only on your iPhone. We cannot access this data, so we cannot recover it for you. Keeping a backup of your iPhone is your responsibility.

On the website, the calculators run in your browser and need no account. A share link is optional. Its URL contains your debt names, amounts and other inputs, so anyone with the link can read them. Plans you make on the website do not move into the app automatically. Our privacy policies explain the details.

Acceptable use

You agree not to

copy, distribute or disclose any part of the Service in any medium, including by automated or non-automated scraping
use any automated system, such as robots, spiders or offline readers, to access the Service
transmit spam, chain letters or other unsolicited messages through the Service
interfere with or compromise the integrity or security of the Service, or decipher any transmissions to or from the servers running it
take any action that places an unreasonable or disproportionately large load on our infrastructure
upload invalid data, viruses, worms or other harmful software through the Service
collect or harvest personal information from the Service
use the Service for commercial solicitation
impersonate another person, misrepresent your affiliation with a person or entity, or conduct fraud
reverse engineer, decompile or otherwise attempt to derive the source code of the Service, except where that right cannot be excluded by law
bypass the measures we use to prevent or restrict access to the Service

Intellectual property

All content, trademarks, service marks, trade names, logos and icons in the Service belong to the developer of Debt Payoff Planner: Tracker or its licensors. Nothing in the Service gives you, by implication, estoppel or otherwise, a license or right to use any trademark shown in it without written permission from us or from the third party that owns it. Names of other apps in our guides belong to their owners. Apple and iPhone are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Financial information

The app, the calculators, the spreadsheet, the printable and the guides give general information only. They are not financial, legal or tax advice, and they do not replace professional judgment.

Payoff dates, interest totals and payment schedules are estimates. The website calculators assume fixed rates and monthly interest. They do not include fees or rules specific to your lender. If an estimate differs from your lender’s figures, your lender’s figures apply. For advice about your own situation, talk to a qualified professional. Never ignore professional advice because of something you read in the app or on the website.

Disclaimers and limitation of liability

The Service and all content in it are provided “as is” and “as available”, without representations or warranties of any kind. We disclaim all warranties and representations about the Service and its content, express or implied, oral or written. This includes warranties that arise by law, by custom or usage in the trade or by course of dealing. We do not promise that the Service is accurate, reliable, always available or fit for a particular purpose.

We are not liable to you or to anyone else for any special, indirect, incidental, exemplary or consequential damages that arise from or relate to the Service or its content. This applies to every kind of claim, in contract, tort, strict liability or otherwise. It applies even if we knew that such damages were possible. Our total liability for all claims is limited to the amount you paid for the Service. This section applies in full even if a remedy in these Terms fails of its essential purpose.

Nothing in these Terms limits rights that cannot be limited under the mandatory consumer protection law that applies to you.

You agree to defend, indemnify and hold us harmless from all costs, damages, liabilities and expenses that we incur because of a claim or demand from a third party about your use of the Service, or to avoid one. These include legal fees, costs, penalties, interest and disbursements. This covers claims that your use of the Service breaks a law or regulation or the rights of a third party, and any breach of these Terms by you.

Governing law

These Terms and any action related to them are governed by the laws of Norway, without regard to its conflict of laws rules. If you are a consumer, you also keep the protection of the mandatory law of your country of residence.

Privacy

The app privacy policy explains what data the app collects and how it is used. The website privacy page explains how this website handles calculator inputs, share links, visit counts and optional analytics.

Contact

If you have questions about these Terms, email info@linasdev.io.