Debt Freedom Today — Terms of Service

1. Acceptance & Eligibility

This Agreement is a binding contract between you (“you” or “User”) and Dantes Creative Labs LLC (“DCL,” “we,” “us,” or “our”). By downloading, installing, accessing, or using the Debt Freedom Today mobile application (the “App”), you acknowledge that you have read, understood, and agree to be bound by this Agreement and by the App’s Privacy Policy, which is incorporated by reference. This Agreement is effective as of the Effective date shown above. If you do not agree, do not use the App.

Eligibility. You must be at least the age of majority in your jurisdiction (18 in most U.S. states) to accept this Agreement on your own behalf. If you are between 13 and the age of majority, you may use the App only with the involvement and consent of a parent or legal guardian who agrees to be bound by this Agreement on your behalf and who is responsible for your use. The App is not directed to, and may not be used by, children under 13. We do not knowingly collect personal information from anyone we know to be under 13; if we learn that we have done so, we will delete it. Where a higher minimum age applies under local law (for example, the minimum digital-consent age under the EU General Data Protection Regulation, which ranges from 13 to 16 depending on the member state), that higher age governs.

Age screening and children. Where the App is likely to be of interest to minors, we apply a neutral age-determination mechanism that asks for age in a neutral manner — it does not default to, pre-fill, or suggest any age, and it does not encourage a user to falsify their age. If a user indicates that they are under 13 (or under the higher minimum age required by their local law), the App will not collect personal information from that user and will route them away from any data-collecting experience. The App is assigned an age rating of at least 12+ (Apple) / Teen (Google) in the applicable app stores and is not directed to children.

By accepting, you represent that you meet these requirements, that the information you provide is accurate, and that you are not barred from using the App under the laws of any applicable jurisdiction.

2. About Dantes Creative Labs

Dantes Creative Labs LLC is an Arizona domestic limited liability company (Arizona Corporation Commission Business ID 25089047) and an independent production studio that builds custom computer software, including mobile applications and web tools. Our principal and mailing address is 4539 N 22nd St, Ste R, Phoenix, AZ 85016, USA. You can reach us at contact@dantescreativelabs.com.

This Agreement covers the Debt Freedom Today App. App-specific terms and disclaimers appear in Section 8 and control over any conflicting general provision.

3. License Grant

Subject to your continuous compliance with this Agreement, DCL grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and install one copy of the App on a mobile device that you own or control, and to run that copy solely for your own personal, non-commercial use.

For the App obtained through the Apple App Store, this license is further limited to use on any Apple-branded products that you own or control and as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing where those features are enabled. For the App obtained through Google Play, your use is also subject to the Google Play Terms of Service.

All rights not expressly granted to you are reserved by DCL and its licensors. This is a license, not a sale; you obtain no ownership interest in the App or any copy of it.

4. License Restrictions

Except as expressly permitted by this Agreement or by mandatory applicable law that cannot be waived, you agree that you will not, and will not permit or assist any third party to:

• copy, modify, adapt, translate, or create derivative works of the App or any part of it;
• reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, or algorithms of the App, except to the limited extent applicable law expressly permits despite this restriction;
• rent, lease, lend, sell, resell, sublicense, distribute, transfer, or otherwise commercially exploit the App, or make it available to any third party;
• remove, obscure, or alter any proprietary notices, labels, or marks on or in the App;
• use the App for any unlawful, infringing, deceptive, harassing, or fraudulent purpose, or in violation of any applicable law, regulation, or third-party right;
• scrape, crawl, harvest, index, or use any automated means, bot, or data-mining tool to access, extract, or collect data from the App, or otherwise access the App other than through the interfaces we provide;
• interfere with, disrupt, overburden, or attempt to gain unauthorized access to the App, our servers, or any systems or networks connected to them, or circumvent any security, rate-limiting, geo-restriction, or authentication measure; or
• use the App to develop a competing product or service, or for any benchmarking or comparison purpose without our prior written consent.

We may, but are not obligated to, monitor use of the App to enforce these restrictions and this Agreement.

5. Subscriptions, Purchases & Auto-Renewal

Certain features of the App may be offered as one-time purchases or as auto-renewing subscriptions. All purchases are processed by the applicable app store — the Apple App Store or Google Play (each, a “Store”) — not by DCL directly. DCL does not receive or process your full payment-card number.

5.1 Subscription offering, pricing, and disclosures shown before purchase

The full functional description of each subscription — its title, the content and features it unlocks, the length of the subscription period, and the price and currency — is conspicuously disclosed on the in-app purchase screen and on the app-store listing before you buy, in the manner required by Apple and Google. The current subscription offerings, their billing periods, and their prices are shown on the in-app purchase screen and on the app-store listing at the time of purchase. Before you complete any purchase, the Store will present these applicable details. By confirming the purchase, you authorize the Store to charge the payment method on file for that price, plus any applicable taxes.

5.2 Automatic renewal

If you buy an auto-renewing subscription, it renews automatically at the end of each subscription period at the then-current price unless you cancel it. Your payment method will be charged for renewal within 24 hours before the end of the current period unless you turn off auto-renewal at least 24 hours before the current period ends. Each renewal is for a period equal in length to the original term unless the Store or the App discloses otherwise.

5.3 How to manage or cancel

You can manage or cancel a subscription, and turn off auto-renewal, at any time through your account settings with the applicable Store:

• Apple: in your device Settings under your Apple Account → Subscriptions (or via the App Store → account → Subscriptions).
• Google Play: in the Google Play app under Payments & subscriptions → Subscriptions.

Cancellation takes effect at the end of the current billing period; you will continue to have access to the paid features until then. Deleting the App does not cancel your subscription, and DCL cannot cancel, pause, or change a Store-billed subscription on your behalf — you must do so through the Store.

5.4 Free trials

If the App offers a free trial, the trial’s length and terms will be disclosed before you start it. Unless you cancel at least 24 hours before the trial ends, the subscription will begin automatically and your payment method will be charged the applicable price at the end of the trial. Any unused portion of a free trial is forfeited when you purchase a subscription, where the Store so provides. A free trial may be limited to new subscribers and may not be combined with certain other offers.

5.5 Refunds

Because purchases are made through the Stores, refunds are handled by the applicable Store under its own policies, and you must request any refund from Apple or Google, not from DCL. Nothing in this Agreement limits any non-waivable statutory refund, cancellation, or withdrawal right you may have under the consumer-protection laws of your jurisdiction (for example, the withdrawal rights available to consumers in the EU and UK). Where such rights apply, they operate in addition to the Store’s policies.

5.6 Price changes

We may change subscription prices for future periods. Where required, the Store will notify you of a price change and, depending on the Store’s rules and your region, may ask you to consent before the change takes effect or allow you to cancel. If you do not agree to a new price, you may cancel before the change applies.

5.7 Fees are for software and educational content only

Any fee or subscription you pay is a fee for access to the App’s software and educational features only. It is not a fee to settle, reduce, consolidate, manage, or repair any debt or credit, and it is never contingent on any debt reduction, savings, interest reduction, or credit result. See Section 8 for the full scope of what the App is and is not.

6. Intellectual Property

The App and all of its content and components — including software, source and object code, text, graphics, logos, icons, images, audio, user-interface designs, the names “Dantes Creative Labs” and “Debt Freedom Today,” and the look and feel — are owned by DCL or its licensors and are protected by copyright, trademark, trade-dress, and other intellectual-property laws. Except for the limited license in Section 3, nothing in this Agreement transfers any right, title, or interest in the App to you. You may not use our names, logos, or marks without our prior written permission. All goodwill from any permitted use inures to DCL.

7. User Content

The App is designed to work primarily with information you enter and keep on your own device, and it is not intended as a platform for publishing or sharing content with the public. Where the App allows you to submit content — such as feedback, suggestions, or support messages (“User Content”) — you retain any ownership you have in it, and you grant DCL a non-exclusive, worldwide, royalty-free license to use, store, and process that User Content solely to operate, support, and improve the App. You are solely responsible for your User Content and represent that you have the rights to submit it and that it does not violate this Agreement or any law or third-party right. If you send us ideas or suggestions, we may use them without obligation or compensation to you.

Information you enter into the App about yourself — for example, debt balances, interest rates, and creditor names — is handled as described in the App’s Privacy Policy; where feasible it is processed and stored on your device and is not transmitted to DCL unless a specific feature you enable requires it.

8. What Debt Freedom Today Is — and Is Not (Scope of Service)

The following terms apply to Debt Freedom Today in addition to the rest of this Agreement. Where an App-specific term conflicts with a general term, the App-specific term controls. The table below summarizes what the App is and is not; the disclaimers that follow it are the governing text.

8.1 What this service is

Debt Freedom Today is a self-directed, informational planning and calculator tool. The App lets you enter your own debt information and view illustrative estimates and strategies you may choose to follow on your own — including the “avalanche” and “snowball” payoff methods, estimated payoff timelines, estimated interest saved, and extra-payment scenarios. All outputs are generated solely from the figures you enter, so that you can decide how to pay down your own debts. You are solely responsible for your financial decisions and for making any payments directly to your own creditors.

8.2 No debt relief, settlement, negotiation, or management

We do not provide debt relief, debt settlement, debt negotiation, debt management, or credit counseling services. We do not renegotiate, settle, reduce, consolidate, refinance, restructure, or in any way alter the terms of any debt, and we do not contact, call, email, message, or communicate with your creditors, collectors, or any third party on your behalf. We never receive, hold, escrow, pool, or distribute your funds, and we never act as your agent toward any creditor. We do not enroll you in any plan or program that we administer.

8.3 No credit repair

We are not a credit repair organization. We do not offer, sell, or perform any service to improve, repair, fix, rebuild, or boost your credit record, credit history, or credit rating, and we do not provide advice or assistance for that purpose. We make no representation that using the App will improve, change, or affect your credit score or credit report.

8.4 Estimates and education only — no guarantee

All outputs are illustrative estimates based only on the information you enter. They are provided for educational and informational purposes and are not financial, legal, tax, accounting, or credit advice. We do not guarantee any outcome, payoff date, savings amount, interest reduction, or change to your credit. Actual results depend on your creditors’ terms, your payments, and other factors outside the App’s control. You are solely responsible for your financial decisions.

8.5 You act; we do not — no agency, no fund-handling

You make all payments directly to your own creditors, and you conduct any communication with your creditors yourself. We never receive, hold, escrow, pool, or distribute your money, and we never act as your agent toward any creditor. Using the App does not create any advisory, fiduciary, counseling, or agency relationship between you and Dantes Creative Labs LLC, and does not enroll you in any program.

8.6 Not a substitute for professional advice

For actual debt settlement, a debt-management plan, credit counseling, or credit repair, you should consult a licensed or qualified provider — such as a nonprofit credit counselor, a licensed debt-management company, or an attorney. The App is not a substitute for professional advice.

8.7 Fees are for software only

Any fee or subscription you pay is solely for access to the App’s software and educational features. It is not a fee to settle, reduce, consolidate, manage, or repair any debt or credit, and it is never contingent on any debt reduction, savings, or credit result. Purchases and subscriptions are billed by the Apple App Store or Google Play, not by DCL directly. The full auto-renewing-subscription terms — including price, subscription length, auto-renewal, cancellation, and related disclosures — are set out in Section 5 and summarized in the auto-renew disclosure below.

8.8 Auto-renewing subscription disclosure

Debt Freedom Today offers an optional auto-renewing subscription that unlocks premium planning features. By subscribing, you agree to the following:

• Title / service: Debt Freedom Today premium (payoff planner & calculator features). This subscription is solely for access to software and educational features — it is not a fee to settle, reduce, manage, or repair any debt or credit, and it is never contingent on any debt reduction, savings, or credit result.
• Length of subscription (billing period): the billing period disclosed on the in-app purchase screen and app-store listing before you buy (for example, monthly or annual).
• Price: the price per period disclosed on the in-app purchase screen and app-store listing before you buy, including any per-unit price where required. Prices shown may vary by region and are displayed in your local currency at purchase.
• Payment: payment is charged to your Apple App Store or Google Play account at confirmation of purchase.
• Auto-renewal: your subscription automatically renews for the same period unless you turn off auto-renew at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the end of the current period, at the then-current price for your plan.
• Managing / canceling: you can manage or cancel your subscription in your Apple App Store or Google Play account settings after purchase. Deleting the App does not cancel your subscription.
• Free trial (if offered): any unused portion of a free trial period is forfeited when you purchase a subscription, where applicable.
• Links: Privacy Policy · Terms of Use / EULA.

9. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the App and all of its outputs are provided “AS IS” and “AS AVAILABLE,” with all faults and without warranty of any kind. DCL and its licensors and suppliers expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, and non-infringement, any warranty that any estimate will be achieved, and any warranties arising from course of dealing or usage of trade.

DCL does not warrant that the App will be uninterrupted, secure, timely, error-free, or free of viruses or other harmful components, that defects will be corrected, or that any content, output, estimate, projection, or figure is accurate, reliable, complete, or current. Any material you download or obtain through the App is accessed at your own discretion and risk, and you are solely responsible for any resulting damage to your device or loss of data.

Some jurisdictions do not allow the exclusion of certain warranties or of implied terms in consumer contracts, so some or all of the above exclusions may not apply to you. In that case, any mandatory statutory warranties or guarantees apply only to the minimum extent required by law, and the duration of any implied warranty that cannot be disclaimed is limited to the minimum period permitted.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event will DCL or its members, officers, employees, agents, licensors, or suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to this Agreement or your use of, or inability to use, the App — including any reliance on any estimate, calculation, payoff projection, or other output, or any decision you make, any payment you make or fail to make, or any outcome relating to your debts or credit — whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not DCL has been advised of the possibility of such damages.

To the fullest extent permitted by applicable law, DCL’s total aggregate liability for all claims arising out of or relating to this Agreement or the App will not exceed the greater of (a) the total amount you paid to the applicable Store for the App or feature giving rise to the claim in the twelve (12) months before the event giving rise to liability, or (b) fifty U.S. dollars (US$50.00).

These limitations are a fundamental basis of the bargain between you and DCL and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some or all of the above may not apply to you; in that case, DCL’s liability is limited to the greatest extent permitted by law. Nothing in this Agreement excludes or limits liability that cannot be excluded or limited under applicable law — including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any statutory consumer rights that cannot be waived (for example, certain rights of EU/UK consumers and consumers in California and other U.S. states). Where any warranty or liability cannot lawfully be disclaimed or limited, the disclaimers and limitations in this Agreement apply to the fullest extent permitted by that law.

11. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless DCL and its members, officers, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with: (a) your access to or use of the App; (b) your violation of this Agreement; (c) your violation of any law or of any third-party right; or (d) your User Content. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense. This provision does not apply to the extent a claim arises from DCL’s own gross negligence or willful misconduct, or where such indemnity is prohibited by law.

12. Third-Party Services & App Stores

The App may rely on or link to third-party services and platforms (including the Stores). We do not control and are not responsible for third-party services, their content, or their terms and privacy practices; your use of them is governed by their own terms.

12.1 Acknowledgment regarding Apple and Google

You acknowledge that this Agreement is between you and DCL only, and not with Apple Inc. or Google LLC, and that Apple and Google are not responsible for the App or its content. The Stores have no obligation to furnish any maintenance or support services for the App; to the extent any maintenance or support is required, DCL, not the Store, is solely responsible.

12.2 Apple-specific terms

For the App when obtained through the Apple App Store, the following minimum terms apply and, to the extent they conflict with other terms, control.

• Acknowledgement. You and DCL acknowledge that this Agreement is concluded between you and DCL only, and not with Apple, and that Apple is not responsible for the App or its content. DCL, not Apple, is solely responsible for the App and the licensed content, to the extent this Agreement does not otherwise assign that responsibility.
• Scope of license. The license granted in Section 3 is limited to use on Apple-branded products that you own or control as described there and is subject to the Apple Media Services Usage Rules, including any permitted sharing via Family Sharing or volume purchasing.
• Maintenance and support. DCL, not Apple, is solely responsible for providing any maintenance and support for the App, and Apple has no obligation whatsoever to furnish any maintenance or support services.
• Warranty. DCL is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) for the App; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
• Product claims. DCL, not Apple, is responsible for addressing any claims by you or a third party relating to the App or your possession or use of it, including product-liability claims, claims that the App fails to conform to any legal or regulatory requirement, and claims arising under consumer-protection, privacy, or similar legislation.
• Intellectual-property claims. In the event of any third-party claim that the App or your possession and use of it infringes that third party’s intellectual-property rights, DCL, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of that claim.
• Legal compliance. You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist-supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties. You further agree to comply with all applicable third-party and local laws when using any DCL app, including this App.
• Developer name, address, and contact information. The developer of the App is Dantes Creative Labs LLC, whose mailing address is 4539 N 22nd St, Ste R, Phoenix, AZ 85016, USA. You may direct any questions, complaints, or claims regarding the App to DCL at contact@dantescreativelabs.com.
• Third-party terms of agreement. You must comply with any applicable third-party terms of agreement when using the App — for example, your wireless carrier’s data-service agreement, which may impose data or roaming charges when you use the App.
• Third-party beneficiary. You acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement, and that upon your acceptance of this Agreement Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary.

12.3 Google Play-specific terms

For the App when obtained through Google Play, your use is also subject to the Google Play Terms of Service and any applicable Google policies. To the extent Google is not a party to this Agreement, Google is a third-party beneficiary of this Agreement for the limited purpose of enforcing the terms that reference or benefit it, and DCL — not Google — is responsible for the App and for any support, warranty, and claims relating to it.

13. Term & Termination

This Agreement takes effect when you first use the App and continues until terminated. You may terminate it at any time by ceasing all use of the App and deleting it from your devices; note that deleting the App does not by itself cancel a Store-billed subscription, which you must cancel through the Store as described in Section 5.

We may suspend or terminate your access to the App, in whole or in part, at any time and for any reason, including if we reasonably believe you have violated this Agreement, or if we discontinue the App. Upon termination, the license granted to you ends and you must stop using and delete the App. Sections that by their nature should survive termination — including 4, 6, 8, 9, 10, 11, 12, 14, and 17 — will survive.

14. Governing Law & Dispute Resolution

Governing law. This Agreement and any dispute arising out of or relating to it or the App are governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules, and, where applicable, by the federal laws of the United States. The United Nations Convention on Contracts for the International Sale of Goods does not apply. Nothing in this Section deprives a consumer of the protection of the mandatory laws of the country in which they reside where such protection cannot be waived by agreement.

Informal resolution first. Before filing any claim, you agree to try to resolve the dispute informally by contacting us at contact@dantescreativelabs.com and providing a brief description of the dispute and your contact information. We will attempt in good faith to resolve it. If we cannot resolve the dispute within sixty (60) days after notice, either party may proceed as set out below.

Venue. You and DCL agree that the exclusive venue for any dispute will be the state or federal courts located in Maricopa County, Arizona, and each party consents to the personal jurisdiction of those courts.

15. Changes to These Terms

We may update this Agreement from time to time. When we do, we will revise the “Effective” date shown above and, where the changes are material, provide additional notice through the App or by other reasonable means. Changes take effect when posted unless we state otherwise. Your continued use of the App after an update takes effect constitutes your acceptance of the revised Agreement. If you do not agree to the changes, you must stop using the App. We encourage you to review this Agreement periodically.

16. Severability

If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a court or tribunal of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, severed, and the remaining provisions will continue in full force and effect. No waiver of any provision will be deemed a further or continuing waiver, and DCL’s failure to enforce any provision is not a waiver of its right to do so later.

17. Entire Agreement

This Agreement, together with the App’s Privacy Policy and any Store terms referenced here, constitutes the entire agreement between you and DCL regarding the App and supersedes all prior or contemporaneous understandings and agreements on that subject. Any additional or different terms you propose are rejected unless we expressly agree to them in writing. You may not assign or transfer this Agreement without our prior written consent; we may assign it, including to a successor in connection with a merger, acquisition, or sale of assets. This Agreement does not create any partnership, joint venture, agency, or employment relationship. Headings are for convenience only and do not affect interpretation.

18. Contact

Questions about this Agreement can be directed to:

Dantes Creative Labs LLC

4539 N 22nd St, Ste R, Phoenix, AZ 85016, USA

Email

contact@dantescreativelabs.com

Website

dantescreativelabs.com

Privacy Policy

dantescreativelabs.com/products/debt-freedom-today/privacy