Last updated: April 29, 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.
If you have questions about these Terms, please contact: support@hrdlickaapps.com