Terms and Conditions of Use for Debtly

1. Nature of the service

Debtly is an informational ledger for debts, shared expenses, balances, payments, groups and reminders. It is not a bank, lender, wallet, payment processor, money transmitter, debt collector or accounting, tax, legal or financial adviser. It does not initiate, hold, verify or settle transfers. A recorded or approved payment does not prove funds moved or a debt is legally enforceable. Financial agreements and disputes remain between participants.

2. Eligibility and account security

You must be legally able to enter into these Terms. Debtly is not directed to children; do not create an account without adult authorization where required. Provide accurate registration information, use authorized identities, protect credentials and report suspected unauthorized access. Email/password and supported Google authentication depend on platform/configuration. Permissions and advertising choices are separate from acceptance of these Terms.

3. Shared actions and payment instructions

You are responsible for accurate and lawful data, including information about others. Invitations, contact relationships, roles and access rules determine who can access or act on a record. Trust settings can automatically approve some actions. Pending/offline payments are not confirmed until applicable synchronization and approval finish. Verify balances and receiving-payment instructions before using them. Do not store card security data, passwords, PINs, one-time codes or banking credentials. Debtly does not execute external payments; exchange-rate displays are estimates that can differ from bank rates.

4. Free, Premium and sponsored seats

Available features, quotas and offers are displayed in the service. Premium may include insights, recurrence, reminders, more groups/members, attachments, exports, eligible history and API access depending on plan, platform and rollout. Coming soon features are not promised as currently usable. Sponsored plans have limited seats; the purchaser manages invitations/removal and billing. A seat can end when removed or when the purchaser’s entitlement ends. A seat does not itself share private debts. A downgrade can limit new records/actions while existing records remain accessible.

5. Billing, trials, renewal and refunds

The offer before purchase states the product, price, period, trial and eligibility. Store offers, including an eligible seven-day trial where shown, differ from waitlist/referral promotions. Apple App Store or Google Play manages paid subscriptions; RevenueCat validates access. Monthly/annual subscriptions renew automatically unless canceled through the applicable store before renewal. Uninstalling the app, deleting its account or losing a sponsored seat does not cancel a store subscription.

A store trial can become paid unless canceled under the displayed store rules. Cancellation normally stops future renewal while access continues for the paid period, subject to store rules. Refunds follow Apple/Google processes and mandatory consumer rights. Restore Purchases can restore an eligible purchase to the appropriate account. We do not receive full checkout payment credentials; user-entered receiving instructions are separate.

6. Waitlist and referral promotions

Joining the waitlist does not create an app account, start a store trial or charge you. The current waitlist offer is 30 days of Individual Premium for an eligible matching email when the app account is created, without a card or auto-renewal. It is separate from and does not stack with the store introductory trial. The account returns to Free afterward unless another eligible entitlement applies or you purchase Premium.

Referral capture, qualification and rewards can be enabled separately. Joining through a link alone is insufficient. The founding campaign requires the displayed verification, onboarding, activity and genuine individual debt or payment action conditions, an eligible integrity result and a seven-day cooling period. Current milestones award 3 days at 1 qualified referral, 4 more at 3 and 7 more at 5 (14 total), then 3 more days for each additional qualified referral with no campaign reward cap. Unused rewards have 12-month validity under campaign rules and can queue or pause during another Premium entitlement. The dashboard shows availability/progress/dates. Self-referrals, duplicate identities, automation and fabricated activity are prohibited. Rewards can be reviewed, withheld, expire or be revoked for abuse/ineligibility; request review at develop@debtly.tech. Offer changes follow the offer and applicable law; promotions do not guarantee permanent free access.

7. Optional rewarded ads

Where enabled on iOS/Android, you may choose an eligible rewarded ad for the displayed action. The reward depends on limits, availability, completed viewing and server verification. Non-personalized ads can still use device data; required consent is separate and can be changed through available advertising privacy controls. Refusal does not prevent ordinary Free use, but the ad-dependent reward is unavailable. Rewarded ads are not currently offered on web.

8. Offline use, portability and tokens

Offline support covers the indicated features. Pending changes can fail, conflict or require approval after synchronization; check their final state. Protect your device and export important data before clearing storage, reinstalling or discarding pending changes. Protect exported .debtly, PDF, CSV and Excel files and share them appropriately. Import preview/staging does not guarantee conflict-free restoration or completion. Where available, API tokens give their holder the selected scopes; keep them secret and revoke compromised tokens. Debtly cannot recall information shared outside the service.

9. Retention, deletion and group departure

Eligible Free non-group records without another linked Debtly participant can be hidden after 90 days from the latest recorded activity, followed by 30 days for recovery. The app shows applicable notices and recovery availability. Permanent purge is separately controlled; Premium does not guarantee recovery after deletion/deadlines. Shared/group records follow different rules.

Account deletion removes the account and solely controlled data, not other participants’ ledgers. Shared entries, recorded names and payment history can remain; group ownership can transfer. Email/photo are removed from retained profile snapshots. Independent text and saved files can still contain personal information. Waitlist withdrawal is separate. The Privacy Policy explains review requests and limits. Deleting the account does not cancel store subscriptions.

10. Content, ownership and acceptable use

You retain your rights in submitted content and authorize its storage, processing, display and sharing only as necessary for the service, access rules and lawful obligations. Debtly software/branding belongs to its owners; third-party components retain their licenses. Do not upload unlawful/infringing content, impersonate or harass people, expose unnecessary sensitive information, compromise accounts, bypass access or promotion limits, misuse API tokens, send unsolicited invitations, or process payments or collect debts on Debtly’s behalf. Report infringement/abuse at develop@debtly.tech with identifying details. We may investigate, restrict access or remove content where reasonably necessary, subject to law.

11. Availability and mandatory rights

We use reasonable operational safeguards, but records can contain user errors and the service can be interrupted. Except where mandatory law requires otherwise, the service is provided as available without a promise of uninterrupted operation, certified accounting accuracy or recovery of every lost record. Responsibility follows applicable law; these Terms do not exclude liability that cannot legally be excluded or waive mandatory consumer/privacy rights. Verify records and resolve financial matters with participants.

12. Privacy, changes and contact

The Privacy Policy and Cookies and device storage describe information and device storage. Acknowledging these notices does not supply consent to optional tracking/advertising. Material Terms changes will be notified in the service or by email where appropriate; where required we seek new affirmative acceptance before applying them. A policy revision alone does not authorize a new optional purpose. Contact the Operators at develop@debtly.tech for questions, account/content concerns and review requests.