Important Notice
Educational organization tool, not financial advice.
Debt Organizer is designed to help users organize debts, bills, reminders, payoff progress, and planning estimates. It does not provide financial, legal, tax, credit, lending, or investment advice.
1. Purpose of the App
Debt Organizer is a personal financial organization app for tracking user-entered debts, bills, payment dates, reminders, payment progress, and planning scenarios. The app is intended for informational and organizational purposes only.
2. Estimates and Calculations
Calculations, projections, payoff timelines, credit estimates, and ZyroAI responses are based on the information available inside the app and may be incomplete, delayed, or incorrect. Users should independently verify balances, APRs, due dates, payment amounts, credit information, and account details with their lenders, credit reports, banks, and financial institutions.
3. User Responsibility
Users are responsible for entering accurate information, reviewing reminders, confirming payment requirements, maintaining device backups where available, and deciding whether any estimate or plan is appropriate for their situation.
4. Availability and Maintenance
Debt Organizer may be updated, limited, paused, or placed in maintenance when needed. Public status and user-facing notices may appear on the website or in the app when available, but availability and timing are not guaranteed.
5. Limitation of Liability
Debt Organizer is provided as is and as available. To the fullest extent permitted by law, the developer is not responsible for missed payments, financial losses, data loss, inaccurate estimates, notification issues, or decisions made using app information.
6. Privacy and Support
Debt Organizer is built around private, user-controlled financial records. The website and support channels do not require users to share private account credentials, full financial histories, or sensitive personal information. For privacy details, read the Privacy Policy.
7. Changes to These Terms
These terms may be updated periodically. Continued use of Debt Organizer after updates means the user accepts the revised terms.