Terms of Service

By accessing or using Debt Zen websites, tools, or services including the Money Flow Tracker, you agree to the following Terms of Service.

Use of the Service

Debt Zen provides digital tools designed to help individuals better understand their financial situation and explore strategies for reducing debt. You agree to use the service only for lawful purposes.

Informational Tool Only

Debt Zen tools are provided for informational and educational purposes. They are intended to help users organize financial information and explore potential strategies. Debt Zen does not provide financial, legal, tax, or investment advice.

No Guarantee of Outcomes

Financial outcomes depend on many personal factors including income, expenses, debt obligations, and economic conditions. Debt Zen makes no guarantees regarding debt reduction, financial improvement, or financial results.

User Responsibility

You are responsible for any financial decisions you make based on information generated by Debt Zen tools. We recommend consulting qualified financial or legal professionals regarding your specific situation.

Service Availability

Debt Zen may update, modify, or discontinue features at any time as we continue developing new tools.

Intellectual Property

All content, software, and branding associated with Debt Zen are the property of Debt Zen LLC and may not be copied or reproduced without permission.

Limitation of Liability

To the fullest extent permitted by law, Debt Zen LLC will not be liable for any damages arising from the use of its tools or services.

Governing Law

These Terms are governed by the laws of the State of California, United States.