Terms of Service

1. About these terms

Bill & Debt Snowball is operated by Buried Fables LLC ("we," "us"). These terms are an agreement between you and us about your use of the app. By creating an account or using the app, you agree to them and to our Privacy Policy. If you don't agree, please don't use the app.

2. What the app is — and isn't

Bill & Debt Snowball provides educational tools and general information to help you organize bills, debts, income, and savings and to plan a debt payoff. It is not financial, legal, tax, or investment advice, and we are not a bank, lender, broker, or financial advisor.

Your debt-free date, payoff order, forecasts, verdicts (such as "Can I Afford It?"), the Snowball and Avalanche comparison, the "Smart Snowball" explanations, the budget comparison, suggested savings paces and savings plans, and every other projection are estimates calculated from the numbers you enter. They are not guarantees, and they will be wrong if your inputs are incomplete or out of date. That includes any amount you mark as past due, any payment arrangement you enter, and which bills or debts you mark as a priority: these are your own figures and choices, and the app does not check them with your lender or biller. Anything you bring in with "Import from a file" is a suggestion for you to review before you rely on it. The app does not access your bank accounts and does not move money on your behalf — any payment you make, you make yourself. That includes savings plans: paying for something from savings, rebuilding it, or saving up only updates the numbers in the app; it can't check that the money is really there, so move it at your bank yourself. Please consult a licensed professional before making financial decisions.

The AI assistant ("Ask about your money") is part of Pro; other plans can try it with a few free questions. It answers using the numbers you've entered and our Help articles. Its answers are written automatically by an AI model: they are estimates, they can be wrong or incomplete, and they are not financial, legal, tax, or investment advice. Check anything important in the app itself, and with a professional, before acting on it. The assistant can't change anything in your account on its own. On Pro, it can fill in a new or changed bill, debt or savings account from what you tell it, asking you for anything missing. Nothing is saved until you review it and tap to confirm, and you're responsible for checking what you save, just as if you'd entered it yourself. Its other buttons only open a page for you. Questions are limited per day and per month, and we may pause the assistant for everyone until the next month if it reaches our monthly spending limit. We may change these limits, the AI model we use, or the feature itself. Don't put anything in a question that you wouldn't want sent to our AI provider (see the Privacy Policy), and don't use the assistant for anything other than your own money and this app.

3. Your account

You must be at least 18 to use the app. Keep your login details secure and give us accurate information. You're responsible for activity on your account. Tell us right away if you think someone else has accessed it. We may limit accounts to people we have invited while the app is in beta.

When we ask you to accept these terms, we keep a record of the version you accepted and when. If we change the terms in a significant way, we'll ask you to accept the new version.

4. Beta, and features in development

The app is a beta. Features may change, move between plans, or be removed. Some features shown on our website, such as bank account linking, are still in development and are not available yet; nothing here promises a date for them.

5. Plans, trials, billing, and cancellation

The app has a free plan and paid plans (currently Plus and Pro). Prices and billing periods (monthly or yearly) are shown before you subscribe. Payments are processed by Stripe; we never see or store your full card number.

• Automatic renewal: a paid subscription renews automatically at the end of each billing period, at the then-current price, until you cancel.
• Free trials with a card: if a trial is offered at checkout, it converts to a paid subscription automatically when the trial ends unless you cancel before then.
• Free trials we give you directly: we may give you a paid plan for a set time without asking for a card. It ends on the date we tell you, and your account then returns to the free plan; you are not charged unless you choose to subscribe. If you subscribe during the trial, billing starts when the trial ends (or right away if less than about two days remain). A trial may be extended at our discretion.
• Cancelling: you can cancel any time online from Settings. Cancellation takes effect at the end of the period you've already paid for; you keep paid features until then, after which your account returns to the free plan. Your data stays.
• Deleting your account ends your subscription right away and removes your billing profile. The unused part of the period you paid for is not refunded automatically; contact us if you think that's wrong.
• Sales tax: prices don't include sales tax. Where the law requires it, tax is added at checkout based on your billing address, and shown before you pay.
• If a payment fails and can't be collected, we may switch your account back to the free plan.
• We may change prices with advance notice; a change applies from your next renewal. If you believe you've been charged in error, contact us and we'll review it.

6. Availability — no uptime guarantee

We work to keep the app running, but it is provided on an "as is" and "as available" basis. We don't promise uninterrupted, error-free, or always-available service, and there is no service-level agreement (SLA). Maintenance, outages, and problems with the services we rely on may interrupt access or, in rare cases, lose data. Please keep your own records of anything important, and don't rely on the app as your only record of what you owe.

7. Your data and what you send us

You own the information you enter. We use it only to run the app for you, as described in the Privacy Policy. You can delete your account any time in Settings, which permanently removes your data.

If you send us a report or a screenshot, please leave out anything private that isn't needed, such as account numbers or other people's information. You give us permission to use what you send to look into and fix the problem you reported.

8. Emails from us

We send emails needed to run your account, such as invitations, password resets, security notices, billing messages, and replies to reports you send us. If you turn them on, we also send bill and goal reminders, a single reminder to finish setting up if you stopped partway through, and occasional product updates. You can turn reminders and updates off any time in Settings, or with the unsubscribe link in the email. Account and security emails can't be turned off while you have an account.

9. Acceptable use

Don't use the app to break the law, to access anyone else's account or data, to interfere with or overload the service, to upload harmful files, or to scrape it or copy it in bulk. We may suspend accounts that do.

10. No warranties

To the fullest extent the law allows, we make no warranties of any kind about the app, including about the accuracy or completeness of any calculation, projection, or recommendation, or that it will meet your needs.

11. Limit of liability

To the fullest extent the law allows, we are not liable for indirect, incidental, special, or consequential damages, or for financial decisions you make using the app or losses that result from them. Our total liability for any claim is limited to the amount you paid us for the app in the 12 months before the claim. Nothing in these terms limits liability that can't be limited by law.

12. Ending your use

You can stop using the app and delete your account whenever you like. We may suspend or end access if these terms are broken, or if we discontinue the app, and we'll give reasonable notice where we can.

13. Changes to these terms

If we change these terms we'll update the date above. For significant changes, we'll tell you before they take effect and ask you to accept the new version the next time you sign in. Continuing to use the app after a change means you accept it.

14. Contact us

Questions about these terms? support@mysnowballplan.com.