Last updated: July 27, 2026
These Terms of Service ("Terms") govern your use of Debtdown, a personal debt payoff tracker developed by an independent developer ("we," "us," or "our"), available on iOS and Android. By downloading or using Debtdown, you agree to these Terms. If you do not agree, please do not use the app.
Debtdown is a personal finance tool designed to help you track and plan your debt repayment. You may use the app for personal, non-commercial purposes only. You agree not to:
Debtdown is a calculation and tracking tool, not a financial advisor. The projections, payoff timelines, interest estimates, and suggestions displayed in the app are mathematical computations based solely on the data you enter. They are provided for informational purposes only and do not constitute financial, legal, tax, or investment advice. Always consult a qualified financial professional before making significant financial decisions.
The accuracy of Debtdown's calculations depends entirely on the information you enter. We are not responsible for errors resulting from incorrect or incomplete data. You are responsible for verifying all figures with your actual lenders and account statements.
Debtdown offers an optional one-time purchase ("Debtdown Pro") that unlocks additional features. All purchases are processed by the platform's payment system — Apple's App Store on iOS or Google Play on Android. All sales are final; refunds are subject to the refund policies of Apple or Google, as applicable. We have no ability to issue refunds directly. Nothing in this section affects any statutory refund or cancellation rights you may have under the laws of your country or region.
Debtdown and all of its content, design, code, and branding are the property of the developer and are protected by applicable intellectual property laws. These Terms do not grant you any ownership rights in the app. Your purchase of Debtdown Pro grants you a personal, non-transferable license to use the unlocked features on your own devices.
All data you enter into Debtdown is stored locally on your device. We do not have access to your data. You are solely responsible for backing up your data. Please refer to our Privacy Policy for full details on how your data is stored and handled.
Debtdown does not collect, transmit, or store any personal data on external servers. Because no personal data is processed by us, Debtdown operates outside the scope of data protection regulations such as the EU General Data Protection Regulation (GDPR), the UK GDPR, the California Consumer Privacy Act (CCPA), and Canada's PIPEDA. Any data that remains on your device or syncs via your platform account (such as iCloud) is governed by Apple's or Google's privacy policies, not ours. See our Privacy Policy for full details.
Debtdown is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the app will be error-free, uninterrupted, or free of bugs. Use of the app is at your own risk. Nothing in this disclaimer excludes any warranty or guarantee that cannot lawfully be excluded under the laws of your jurisdiction.
To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use Debtdown, including but not limited to loss of data, financial loss, or loss of profits — even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising out of these Terms or your use of the app shall not exceed the amount you paid for Debtdown Pro, if any.
Some jurisdictions do not allow the exclusion or limitation of certain damages or implied warranties. In those jurisdictions, our liability is limited to the greatest extent permitted by law, and nothing in these Terms removes or limits rights you have under mandatory local consumer protection laws.
If you are located in a jurisdiction whose laws provide consumer rights that cannot be waived by contract — including but not limited to the European Union, the United Kingdom, Australia, Canada, or any other jurisdiction with mandatory consumer protection legislation — nothing in these Terms limits or overrides those rights. Your statutory rights remain fully intact regardless of any other provision in these Terms.
These Terms are governed by the laws of the State of Iowa, United States, without regard to its conflict of law provisions, except where mandatory local laws in your jurisdiction require otherwise. If you are a consumer located in the EU or UK, you may also have the right to bring a claim in the courts of your country of residence, and nothing in these Terms affects that right. For all other users, any disputes arising under these Terms shall be subject to the jurisdiction of the courts located in Iowa.
You may stop using Debtdown at any time by deleting the app from your device. We reserve the right to discontinue the app or any of its features at any time without notice, though we will make reasonable efforts to provide advance notice of significant changes.
We may update these Terms from time to time. Updated Terms will be posted on this page with a revised date at the top. Your continued use of Debtdown after changes are posted constitutes your acceptance of the updated Terms.
You agree to indemnify and hold harmless the developer of Debtdown from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms, your misuse of Debtdown, or your violation of any applicable law or the rights of a third party.
If you have a concern or dispute, you agree to first try to resolve it informally by contacting us at support@hrdlickaapps.com. Most issues can be resolved this way. For users not located in the EU or UK, if a dispute cannot be resolved informally, you and the developer agree that it will be resolved through binding arbitration on an individual basis, rather than in court, except that either party may bring an individual claim in small claims court. You agree to bring claims only in your individual capacity, not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. As set out in the Governing Law and Disputes section above, this arbitration and class-action-waiver provision does not apply to EU or UK consumers, who retain the right to bring a claim in the courts of their country of residence.
You agree to use Debtdown only in compliance with all applicable laws and regulations. You represent that you are not located in, under the control of, or a national or resident of any country subject to a U.S. government embargo, and that you are not on any U.S. government list of prohibited or restricted parties.
Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and the developer regarding Debtdown, and supersede any prior agreements or understandings. Severability. If any provision of these Terms is found unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. No Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction — for example, in connection with a sale of the app.
Under California Civil Code Section 1789.3, California residents are entitled to the following consumer rights notice: the provider of Debtdown is reachable at support@hrdlickaapps.com. The optional Debtdown Pro purchase is billed and processed entirely through the Apple App Store or Google Play Store, not directly by us. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
If you have questions about these Terms, please contact: support@hrdlickaapps.com