Terms of Service

1. Acceptance of Terms

By accessing or using TalkDebt ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

2. Description of Service

TalkDebt is an AI-powered debt coaching service that helps users manage their debt payoff journey through conversational AI. We provide personalized debt payoff plans, progress tracking, and financial guidance. We do not provide financial advice or act as a financial advisor.

3. User Accounts

3.1 Account Creation

You must create an account to use our Service. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be at least 18 years old

3.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from unauthorized use of your account.

4. Subscription and Payment

4.1 Subscription Plans

We offer subscription plans with different features and message limits. Subscription fees are billed monthly in advance.

4.2 Payment Terms

• All fees are non-refundable unless required by law
• Prices may change with 30 days notice
• You authorize us to charge your payment method
• Failed payments may result in service suspension

4.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. No refunds are provided for partial billing periods.

5. Use of Service

5.1 Acceptable Use

You agree not to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Use automated systems to access the Service
• Share your account with others
• Reverse engineer or copy our technology

5.2 Message Limits

Subscription plans include monthly message limits. Exceeding your limit may result in service restrictions until your next billing cycle or until you upgrade your plan.

6. Intellectual Property

The Service, including all content, features, and technology, is owned by TalkDebt and protected by intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.

7. Disclaimers

7.1 Not Financial Advice - IMPORTANT

TalkDebt is an educational tool and calculation service, NOT a licensed financial advisor or certified financial planner.

The information, calculations, personalized plans, and recommendations provided by TalkDebt are for educational and informational purposes only. They do not constitute financial, investment, legal, or tax advice.

We are NOT:

• A registered investment advisor (RIA) or financial advisor
• A certified financial planner (CFP) or certified public accountant (CPA)
• Licensed to provide personalized financial advice in any jurisdiction
• Providing recommendations based on your complete financial situation

Before making any financial decisions, you should:

• Consult with a qualified, licensed financial advisor or certified financial planner
• Review your complete financial situation, including income, expenses, assets, liabilities, and financial goals
• Consider your risk tolerance, time horizon, and other personal circumstances
• Verify all calculations and recommendations independently

TalkDebt, its owners, employees, and affiliates are not responsible for any financial losses, damages, or consequences resulting from your use of this service or reliance on any information, calculations, or recommendations provided.

By using TalkDebt, you acknowledge that you understand this service provides educational tools only and that you will seek professional financial advice for decisions affecting your financial well-being.

7.2 Service Availability

We strive to provide reliable service but do not guarantee uninterrupted or error-free operation. The Service is provided "as is" without warranties of any kind.

7.3 Accuracy of Calculations

While we strive for accuracy, calculations and projections are estimates based on the information you provide. Actual results may vary due to factors including but not limited to: interest rate changes, payment timing, fees, and other financial variables. You are responsible for verifying all calculations independently.

8. Limitation of Liability

To the maximum extent permitted by law, TalkDebt shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold TalkDebt harmless from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

10. Termination

We may suspend or terminate your account at any time for violation of these Terms or for any other reason. Upon termination, your right to use the Service immediately ceases.

11. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by email or through the Service. Continued use after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved through good faith negotiation or through appropriate legal channels.

13. Contact Information

If you have questions about these Terms, please contact us at:

Email: support@talkdebt.com