Terms of Service

Last updated: May 6, 2026

1. Who you are contracting with

These Terms of Service ("Terms") form a binding agreement between you and Astrid Burgos ("we", "us", "our"), the operator of the DebtBreaker web application and related services (the "Service").

2. Acceptance

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 confirm that you are of legal age to form a binding contract in your jurisdiction, or have your legal guardian's consent.

3. The Service

DebtBreaker helps you visualize your debts and income, model payoff strategies, and set financial goals. The Service is provided for informational and personal budgeting purposes only and does not constitute financial, investment, legal, or tax advice. You are solely responsible for your financial decisions.

4. Your account

You must provide accurate information when creating an account and keep it up to date. You are responsible for safeguarding your credentials and for any activity that occurs under your account.

5. Acceptable use

You agree not to:

• Use the Service for any unlawful, fraudulent, or harmful purpose;
• Send spam or unsolicited communications through the Service;
• Infringe the intellectual property or privacy rights of others;
• Upload malware or attempt to interfere with the security or integrity of the Service;
• Probe, scan, scrape, reverse-engineer, or circumvent any technical limits;
• Resell, redistribute, or sublicense access to the Service.

6. Intellectual property

We retain all right, title, and interest in and to the Service, including its software, design, branding, and documentation. You receive a limited, non-exclusive, non-transferable right to use the Service for your personal use within the plan you have selected. Content you input remains yours; you grant us a limited license to host and process it solely to provide the Service.

7. Subscriptions, payments, and refunds

DebtBreaker Pro is offered as a recurring monthly or yearly subscription. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, taxes, renewals, cancellations, and refund mechanics are governed by Paddle's Buyer Terms and our Refund Policy. Subscriptions renew automatically until cancelled.

8. Service level and warranties

The Service is provided "as is" and "as available". We do not warrant that the Service will be uninterrupted, timely, secure, or error-free. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of liability

To the fullest extent permitted by law, our aggregate liability arising out of or relating to the Service will not exceed the fees you paid to us (via Paddle) in the twelve (12) months preceding the event giving rise to the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill. Nothing in these Terms excludes liability for fraud, death, or personal injury caused by negligence where such exclusion is not permitted by law.

10. Indemnity

You agree to indemnify and hold us harmless from any claims, losses, or expenses arising from your content, your use of the Service, or your breach of these Terms.

11. Suspension and termination

We may suspend or terminate your access to the Service for material breach of these Terms, non-payment, suspected fraud or security risk, or repeated violations of our policies. You may stop using the Service and delete your account at any time via Delete account. On termination, your access ends and your data may be deleted in accordance with our Privacy Notice.

12. Changes

We may update these Terms from time to time. Material changes will be communicated through the Service or by email. Continued use after changes take effect constitutes acceptance.

13. Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. The courts located in Ontario, Canada will have exclusive jurisdiction over any dispute arising out of or relating to these Terms, except where applicable consumer protection law in your country of residence grants you the right to bring proceedings before your local courts.

14. Contact

Questions about these Terms can be sent to the contact channel provided inside the Service.