Effective Date: May 25, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Debt Escape ("Company," "we," "us," or "our") governing your access to and use of the Debt Escape web application and all related features and services (the "Service").
Section 1: Acceptance and Eligibility
1.1 Agreement to Terms
By creating an account, clicking "I agree," or otherwise accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
1.2 Eligibility
You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are 18 or older, you have the legal capacity to enter into a binding contract, and you are not prohibited from using the Service under any applicable law.
1.3 Updates to Terms
We reserve the right to modify these Terms at any time. We will provide at least 14 days' advance notice via email and an in-app notification for material changes. Continued use after the effective date constitutes acceptance.
Section 2: Description of Service
2.1 What Debt Escape Provides
- Debt tracking and organization tools
- Mathematical debt payoff calculators and schedule projections
- AI-generated personalized debt elimination plans and recommendations
- AI-generated negotiation script suggestions for use with creditors
- AI-powered coaching and financial information (Pro plan)
- Encrypted document storage for financial documents
- Progress tracking and milestone recognition
2.2 What Debt Escape Is NOT
All content, calculations, projections, AI-generated plans, and negotiation scripts are for general informational and educational purposes only. You should consult a qualified and licensed financial advisor, credit counselor, attorney, or tax professional before making any significant financial decision.
Section 3: User Accounts and Security
3.1 Account Registration
You must create an account to access most features. You agree to provide accurate, current, and complete information and to keep it updated.
3.2 Account Security
You are responsible for the confidentiality of your account credentials and for all activity under your account. You must: choose a strong password of at least 8 characters; not share your password; notify us immediately at security@debtescape.app if you suspect unauthorized access; and log out on shared or public devices. We are not liable for any loss arising from your failure to comply with these obligations.
3.3 One Account Per Person
Each user may maintain only one active account.
3.4 Account Termination by You
You may delete your account at any time through Settings > Privacy > Delete Account. Deletion initiates a 30-day grace period during which deletion can be reversed.
Section 4: Subscription Plans and Payment
4.1 Available Plans
- Free Plan: Limited features, no charge
- Core Plan: $9.99 per month
- Pro Plan: $19.99 per month
Features included in each plan are described on the pricing page and in Settings > Subscription. We reserve the right to change plan features with reasonable notice.
4.2 Billing
Paid subscriptions are billed monthly on the same calendar date as your initial subscription date. All payments are processed by Stripe, Inc. By subscribing, you authorize Stripe to charge your payment method on a recurring monthly basis until you cancel.
4.3 Free Trial
Where offered, a free trial converts to a paid subscription at the end of the trial period unless you cancel before the trial expires. You will receive an email reminder 3 days before your trial ends.
4.4 Price Changes
We may change subscription prices with at least 30 days' advance notice. If you do not agree, you must cancel before the price change takes effect.
4.5 Cancellation
You may cancel at any time through Settings > Subscription > Cancel or by contacting support@debtescape.app. Cancellation takes effect at the end of your current billing period. We do not provide prorated refunds except as required by law.
4.6 Refund Policy
We offer a 7-day money-back guarantee for new subscribers on their first paid subscription period. Email support@debtescape.app with "Refund Request" in the subject. After 7 days, all charges are final and non-refundable except where required by law.
4.7 Taxes
Prices displayed do not include applicable sales, use, or value-added taxes.
4.8 Failed Payments
If a payment fails, we will retry the charge up to 3 times over 7 days and notify you by email. If payment is not collected within 14 days, your account will be downgraded to the Free plan.
Section 5: Acceptable Use
5.1 Permitted Use
You may use the Service only for lawful, personal, non-commercial purposes to manage your own personal debts and financial information.
5.2 Prohibited Conduct
You agree not to:
- Use the Service for commercial, resale, or revenue-generating purposes without our prior written consent
- Use the Service on behalf of another person without their knowledge and consent
- Attempt to gain unauthorized access to any part of the Service, other accounts, or our infrastructure
- Use automated tools, bots, scrapers, or scripts to access the Service
- Reverse engineer, decompile, or extract the source code of the Service
- Submit false, misleading, or fraudulent financial information
- Upload malicious files, viruses, or code of any kind
- Use the Service to harass, harm, or defraud any person
- Circumvent, disable, or interfere with security features
- Attempt to access another user's data
- Use the Service in any manner that violates applicable law
Violation may result in immediate account termination without notice and, where appropriate, referral to law enforcement.
Section 6: Your Data and Content
6.1 Ownership of Your Data
You retain full ownership of all financial information, documents, and content you submit ("User Content").
6.2 License to Us
By submitting User Content, you grant Debt Escape a limited, non-exclusive, royalty-free license to process, store, display, and transmit your User Content solely for the purpose of providing the Service. This license terminates when you delete the relevant content or your account.
6.3 Your Responsibility for Data Accuracy
You are solely responsible for the accuracy of the financial information you enter. Calculations and AI recommendations are only as accurate as the data you provide.
6.4 No Obligation to Store
We strongly recommend maintaining your own records. We are not a backup service and do not guarantee data availability in the event of catastrophic system failure.
Section 7: AI-Generated Content — Specific Disclaimer
7.1 Nature of AI Outputs
The Service uses an AI language model (Claude, by Anthropic, PBC) to generate debt payoff plans, negotiation scripts, spending analyses, and AI Coach responses. These outputs are generated by a probabilistic language model and are subject to the following limitations:
7.2 No Guarantee of Accuracy
7.3 Negotiation Scripts
Negotiation scripts are suggested language for your use as a starting point. We make no representation that use of any script will result in a rate reduction, hardship accommodation, settlement, or any other favorable outcome.
7.4 Your Responsibility to Verify
You are solely responsible for verifying any AI-generated information, calculation, projection, or recommendation before acting on it.
7.5 Not a Substitute for Professional Advice
The AI system is not licensed as a financial advisor, credit counselor, attorney, or tax professional in any jurisdiction. Consult a licensed professional for advice specific to your situation.
Section 8: Intellectual Property
8.1 Our Intellectual Property
The Service, including its software code, design, text, graphics, logos, user interface, and all other content created by Debt Escape, is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works without our prior written consent.
8.2 Feedback
If you provide feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without compensation or attribution.
Section 9: Disclaimers of Warranties
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
Section 10: Limitation of Liability
10.1 Cap on Liability
10.2 Exclusion of Certain Damages
IN NO EVENT SHALL DEBT ESCAPE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, SAVINGS, DATA, BUSINESS INTERRUPTION, FINANCIAL LOSSES FROM AI-GENERATED RECOMMENDATIONS, DAMAGE TO CREDIT SCORE, OR ANY OTHER PECUNIARY LOSS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
10.3 Specific Financial Loss Disclaimer
DEBT ESCAPE IS SPECIFICALLY NOT LIABLE FOR: ANY FINANCIAL DECISION YOU MAKE BASED ON AI-GENERATED PLANS, SCRIPTS, OR RECOMMENDATIONS; ANY OUTCOME FROM YOUR USE OF A NEGOTIATION SCRIPT; ANY CREDITOR ACTION, INCLUDING ADVERSE CREDIT REPORTING; OR ANY TAX CONSEQUENCES OF DEBT SETTLEMENT OR FORGIVENESS.
10.4 Essential Basis of Bargain
THE LIMITATIONS OF LIABILITY IN THIS SECTION ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN DEBT ESCAPE AND YOU.
Section 11: Indemnification
You agree to indemnify, defend, and hold harmless Debt Escape, its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of: your use of the Service; your violation of these Terms; your violation of any applicable law; your User Content; or your actions in connection with any financial decisions made using the Service.
Section 12: Dispute Resolution
12.1 Informal Resolution
Before initiating any formal legal action, you agree to contact support@debtescape.app and attempt to resolve the dispute informally for 30 days.
12.2 Binding Arbitration
If informal resolution fails, any dispute shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. THE PARTIES WAIVE THEIR RIGHT TO A JURY TRIAL.
12.3 Class Action Waiver
YOU AND DEBT ESCAPE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION.
12.4 Exceptions
Either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent irreparable harm, including unauthorized use of intellectual property.
12.5 Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles, except to the extent superseded by federal law.
Section 13: Termination
13.1 Termination by You
You may terminate your account at any time as described in Section 3.4.
13.2 Termination by Us
We may suspend or terminate your account immediately if you violate these Terms; we are required to do so by law; your account has been inactive for more than 24 consecutive months (with 60 days' notice); or continuing would expose us to legal liability.
13.3 Effect of Termination
Upon termination: your right to access the Service ceases; we will retain and then delete your data per the Privacy Policy; outstanding fees remain due; and Sections 6, 7, 8, 9, 10, 11, 12, and 14 survive.
Section 14: General Provisions
14.1 Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement and supersede all prior agreements.
14.2 Severability
If any provision is unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions remain in full force.
14.3 No Waiver
Our failure to enforce any right will not constitute a waiver.
14.4 Assignment
You may not assign your rights without our consent. We may assign without restriction.
14.5 Force Majeure
We are not liable for delays from causes beyond our reasonable control, including natural disasters, government acts, internet outages, or third-party failures.
14.6 Contact Information
- Support: support@debtescape.app
- Billing: billing@debtescape.app
- Privacy: privacy@debtescape.app
- Security: security@debtescape.app