My Debt SnowballTerms of Service
Last updated: December 18, 2025
By accessing or using this website and application (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Service.
1. Purpose of the Service
The Service provides educational tools and calculators designed to help users understand common debt payoff strategies, including the debt snowball method, based on information entered by the user.
The Service is provided for informational and educational purposes only.
2. No Financial Advice
The Service does not provide financial, investment, legal, or tax advice.
Any calculations, payment schedules, payoff orders, or examples shown are generated mechanically based on user-provided inputs and publicly known methodologies. They are not personalized recommendations and should not be relied upon as professional advice.
You are solely responsible for your financial decisions. You should consider consulting a qualified financial professional before making financial decisions.
3. User-Provided Information
You may voluntarily enter information such as debt names, balances, interest rates, and payment amounts.
- You are responsible for the accuracy of the information you provide.
- The Service does not verify or validate user-entered data.
- The Service does not collect bank account numbers, credit card numbers, Social Security numbers, or other sensitive financial identifiers.
4. Accounts and Access
If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
We reserve the right to suspend or terminate access to the Service at any time for any reason, including misuse or abuse of the Service.
5. Limitation of Liability
To the fullest extent permitted by law:
- The Service is provided “as is” and “as available,” without warranties of any kind.
- We make no guarantees regarding accuracy, completeness, or outcomes.
- We are not liable for any losses, damages, or consequences arising from the use of the Service or reliance on its outputs.
Your use of the Service is at your own risk.
6. Intellectual Property
All content, code, design, and functionality of the Service are owned by or licensed to the operator of the Service and are protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, or create derivative works from the Service without permission, except as permitted by law.
7. Third-Party Services
The Service may rely on third-party services (such as authentication or hosting providers). We are not responsible for the availability, security, or behavior of third-party services.
8. Changes to the Service or Terms
We may modify or discontinue the Service at any time without notice.
We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the updated Terms.
9. Governing Law
These Terms are governed by and construed in accordance with the laws of the United States and the applicable laws of the state in which the Service operator resides, without regard to conflict of law principles.
10. Contact
If you have questions about these Terms, you may contact us at: