Last updated · April 20, 2026
These Terms of Service (the “Terms”) govern your access to and use of the Debt Engine website, web application, and any related services (collectively, the “Service”). By creating an account or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.
You must be at least 18 years old and capable of forming a binding contract to use the Service. You are responsible for maintaining the confidentiality of your credentials and for any activity that occurs under your account. Notify us immediately if you suspect unauthorized access.
Debt Engine does not provide financial, investment, legal, tax, or accounting advice. The strategy suggestions, payoff projections, AI-generated answers, retirement forecasts, and any other calculations the Service shows you are informational and educational in nature. They are generated from the data you enter and from generic financial heuristics. They do not account for every detail of your situation.
You are solely responsible for your financial decisions. Before acting on anything the Service suggests, consult a licensed professional (certified financial planner, tax advisor, attorney) who can review your complete situation. Past performance and projected outcomes are not guarantees of future results.
Debt Engine uses manual entry only. We do not connect to your bank, do not pull transactions, and do not verify the balances, APRs, or deadlines you enter. If the input is wrong, the output will be wrong. You are responsible for keeping your entries current and accurate.
You retain ownership of the data you enter. You grant Debt Engine a limited license to process that data solely to operate the Service for you (including, where you opt in, sending a redacted financial summary to our AI model provider so the assistant can answer your questions). See the Privacy Policy for details.
You agree not to:
The AI advisor is an optional feature. When you opt in, a redacted snapshot of your account (types, balances, APRs, deadlines — with your item names replaced by generic labels before leaving our servers) is sent to a third-party model provider so it can respond to your question. The provider is currently Anthropic. Output may contain errors, omissions, or outdated information. Do not rely on it for material financial decisions without independent verification.
You may invite another person (a spouse, an accountant, a trusted advisor) to view or edit your account. Grants can be revoked at any time from Settings. You are responsible for choosing whom to share with and for the consequences of that choice.
The Service — including its software, design, branding, and copy — is owned by Debt Engine and its licensors and is protected by copyright, trademark, and other laws. We grant you a personal, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. Nothing in these Terms transfers ownership.
You can close your account at any time from Settings; doing so deletes your data from our production database. We can suspend or terminate your access if you violate these Terms, if required by law, or if we reasonably believe continued access poses a security or compliance risk. Sections that by their nature should survive termination (disclaimers, indemnification, limitation of liability, intellectual property) survive.
The Service is provided “as is” and “as available” without warranty of any kind. To the fullest extent permitted by law, Debt Engine disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation. We do not warrant that calculations, projections, or advisor responses will be correct, complete, or suitable for your circumstances.
To the fullest extent permitted by law, Debt Engine and its contributors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost savings, missed payments, retroactive interest charges, tax penalties, or damage to goodwill, arising out of or relating to your use of the Service — even if we have been advised of the possibility of such damages. Our aggregate liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) fifty U.S. dollars.
You agree to indemnify and hold harmless Debt Engine and its contributors from any claim, loss, or demand (including reasonable attorney’s fees) arising out of your use of the Service, your violation of these Terms, your content, or your violation of any third- party right.
We may change or discontinue any part of the Service at any time. We may update these Terms; if we do, we will post the new version with an updated effective date and, for material changes, make reasonable effort to notify active account holders. Continued use of the Service after changes take effect is your acceptance of the updated Terms.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any dispute will be brought exclusively in the state or federal courts located in Delaware, and you consent to that jurisdiction and venue. You may have additional rights under the consumer protection laws of your jurisdiction; those rights are not waived by this clause where they cannot be waived.
Questions about these Terms? Email legal@debtengine.app.