Terms & Conditions
Effective Date: [21/01/2025]
These Terms and Conditions (“Terms”) govern your use of the DebtGuru app (“App”), owned and operated by DebtGuru (“we,” “us,” or “our”). By accessing or using the App, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use the App.
1. Eligibility
By using the App, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are under 18, you may not use the App without the consent of a parent or guardian.
2. Account Registration
To access certain features of the App, you may be required to create an account. You agree to provide accurate, complete, and current information when registering for an account and to update this information as necessary. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
3. Use of the App
The App is designed to assist you in managing and planning your debt. You agree to use the App for lawful purposes and in accordance with these Terms. You may not use the App to:
- Violate any local, state, national, or international law or regulation.
- Engage in any activity that could harm or disrupt the App’s operation or security.
- Impersonate another user or misrepresent your identity.
4. Services and Features
The App provides tools for managing and planning debt repayment, including the ability to organize debts by payment date, and the option to choose between the Avalanche or Snowball methods for repayment. We do not provide financial advice, and all information and tools provided by the App are for informational purposes only. You should consult with a qualified financial professional before making any financial decisions.
5. Data Collection and Privacy
Your use of the App is governed by our [Privacy Policy]. By using the App, you consent to the collection and use of your personal data as described in the Privacy Policy. You are responsible for the accuracy of the information you provide, and you agree to keep your account information up-to-date.
6. Intellectual Property
All content, features, and functionality of the App, including text, graphics, logos, and software, are the property of DebtGuru or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any part of the App without our express written permission.
7. Limitation of Liability
To the fullest extent permitted by applicable law, [Your Company Name] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, or data, arising out of or in connection with your use of the App, whether in contract, tort, or otherwise.
8. Disclaimer of Warranties
The App is provided “as is” and “as available” without any 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 guarantee that the App will meet your specific needs, be uninterrupted, or be error-free.
9. Third-Party Links and Services
The App may contain links to third-party websites or services. We do not endorse and are not responsible for the content, products, or services provided by third parties. You access third-party websites at your own risk and should review their respective terms and privacy policies before using them.
10. Termination
We may suspend or terminate your access to the App at any time and for any reason, including but not limited to a violation of these Terms. Upon termination, all rights granted to you under these Terms will immediately cease, and you must stop using the App.
11. Modifications to the Terms
We reserve the right to update or modify these Terms at any time. When we make changes, we will update the effective date at the top of this document. We encourage you to review these Terms periodically for any changes. Your continued use of the App after the posting of any changes constitutes your acceptance of those changes.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of United Kingdom, without regard to its conflict of law principles. Any disputes arising out of or in connection with these Terms shall be resolved in the courts of United Kingdom.
13. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
Email: info@debtguruapp.com
By using the DebtGuru App, you acknowledge that you have read, understood, and agree to these Terms and Conditions.