1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legal agreement between you and DebtLogic.ai ("we," "us," or "our"). By accessing or using our website, platform, or services (collectively, the "Service"), you agree to be bound by these Terms and our Privacy Policy.

2. Description of Service

DebtLogic.ai provides:

• Debt Analysis Tools: AI-powered calculators and analysis of your unsecured debt
• Payoff Planning: Personalized debt elimination strategies and recommendations
• Financial Insights: Interest savings calculations, payoff timelines, and optimization suggestions
• Educational Resources: Information about debt management strategies

3. Eligibility

To use DebtLogic.ai, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and truthful information
• Not be prohibited from using the Service under applicable law

4. User Accounts

4.1 Account Creation

You may need to create an account to access certain features. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access

4.2 Account Responsibility

You are responsible for all activities under your account. We are not liable for any losses due to unauthorized use of your account.

5. Acceptable Use

5.1 Permitted Uses

You may use DebtLogic.ai to:

• Analyze your personal unsecured debt
• Generate debt payoff plans for personal use
• Access educational resources about debt management
• Use recommendations to inform your financial decisions

5.2 Prohibited Uses

You may NOT:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Infringe upon intellectual property rights
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Scrape, crawl, or harvest data from the Service
• Impersonate another person or entity
• Use the Service to provide services to third parties
• Reverse engineer or decompile any part of the Service

6. No Financial Advice

7. Data Accuracy & User Responsibility

You are responsible for:

• Entering accurate financial information
• Verifying the accuracy of calculations and recommendations
• Making your own informed financial decisions
• Consulting professionals for personalized advice

We are not responsible for errors, inaccuracies, or decisions based on incorrect data you provide.

8. Intellectual Property

8.1 Our Rights

All content, features, and functionality of DebtLogic.ai are owned by us and protected by copyright, trademark, and other intellectual property laws. This includes:

• Website design and layout
• Logos, branding, and trademarks
• Software, algorithms, and code
• Content, text, images, and graphics

8.2 Your Rights

You retain ownership of any financial data you input. By using our Service, you grant us a limited license to use your data to:

• Provide the Service to you
• Generate your personalized debt plans
• Improve our algorithms and services (in anonymized, aggregate form)

9. Third-Party Services & Links

Our Service may contain links to third-party websites or integrate with third-party services. We are not responsible for:

• The content, privacy practices, or terms of third-party services
• Any transactions between you and third parties
• The accuracy or reliability of third-party information

Your use of third-party services is at your own risk and subject to their terms.

10. Subscription & Payment Terms

10.1 Free Services

We may offer certain features for free. We reserve the right to modify or discontinue free features at any time.

10.2 Paid Services (Future)

If we offer paid subscriptions in the future:

• Prices will be clearly displayed before purchase
• Subscriptions automatically renew unless canceled
• You're responsible for canceling before renewal to avoid charges
• Refunds will be handled according to our Refund Policy
• We may change pricing with 30 days' notice

11. Cancellation & Termination

11.1 Your Rights

You may cancel your account at any time by contacting us at support@debtlogic.ai or through your account settings.

11.2 Our Rights

We may suspend or terminate your access if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Abuse the Service or harm other users
• Fail to pay applicable fees

11.3 Effect of Termination

Upon termination:

• Your access to the Service will cease immediately
• We may delete your account and data after 90 days
• Provisions regarding liability, warranties, and disputes survive termination

12. Disclaimers & Warranties

13. Limitation of Liability

14. Indemnification

You agree to indemnify, defend, and hold harmless DebtLogic.ai, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any law or third-party rights
• Your financial decisions based on the Service

15. Dispute Resolution

15.1 Informal Resolution

Before filing a claim, contact us at legal@debtlogic.ai to attempt informal resolution. Most disputes can be resolved quickly this way.

15.2 Binding Arbitration

If informal resolution fails, disputes will be resolved through binding arbitration rather than in court, except:

• Small claims court matters (under $10,000)
• Injunctive or equitable relief

15.3 Class Action Waiver

You agree to resolve disputes individually, not as part of a class action or consolidated proceeding.

15.4 Governing Law

These Terms are governed by the laws of [State/Country to be added], without regard to conflict of law principles.

16. Changes to Terms

We may modify these Terms at any time. We'll notify you of material changes by:

• Posting the updated Terms on this page
• Updating the "Last Updated" date
• Sending email notification (for significant changes)

Your continued use after changes constitutes acceptance. If you don't agree to new Terms, stop using the Service.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and DebtLogic.ai.

17.2 Severability

If any provision is found unenforceable, the remaining provisions continue in full force.

17.3 No Waiver

Our failure to enforce any right or provision doesn't waive our right to enforce it later.

17.4 Assignment

You may not assign these Terms. We may assign them to successors or affiliates.

17.5 Force Majeure

We're not liable for delays or failures due to circumstances beyond our reasonable control.

18. Contact Us

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