Home / Terms of Service

Terms of Service

Last updated: April 2026

1. Acceptance of Terms

By accessing or using DebtVault (“we”, “us”, “the Service”), you agree to these Terms. If you do not agree, you may not use the Service.

2. Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement.

3. Your Account Responsibilities

• You must provide accurate and up-to-date information.
• You are responsible for keeping your login credentials secure.
• You agree not to use the Service for unlawful or fraudulent activity.

4. Financial Disclaimer

DebtVault is a debt-payoff planning tool, not a bank, lender, or financial advisor. We do not hold funds. DebtVault is currently in founding access: automatic bank funding and direct-to-creditor payments are under development and are not currently available. If those features launch, financial actions will be processed through regulated third-party infrastructure providers identified at that time.

• We do not provide investment, credit, tax, or legal advice.
• Any financial decisions you make are your responsibility.
• DebtVault cannot guarantee reduced interest, faster payoff, or creditor acceptance.

5. Financial Activity & Transfers

Founding Access status: DebtVault is currently in founding access. Automatic bank funding, withdrawals, and direct-to-creditor payments are under development and are not currently available. During this phase, the Service provides planning tools only, and you continue paying your creditors through your creditor or bank.

If and when transfer features launch, you will authorize any recurring funding, withdrawals, or creditor payments before they begin, with the exact schedule shown before authorization.

• Transfers may be delayed due to bank or ACH network processing times.
• You must maintain sufficient funds in your linked bank account.
• You are responsible for verifying creditor details when using payout features.
• We are not responsible for failed, delayed, or incorrectly routed transfers.

6. Subscriptions & Billing

Founding Access is free during product testing. Paid tiers may be offered in the future; pricing and eligibility will be announced after production infrastructure and compliance approval, and any subscription terms will be presented before you are charged.

• You may cancel any future subscription via the Settings page.
• No refunds for partial billing periods where a paid subscription is active.

7. Paid Features (Planned)

Paid tiers, when offered, may include enhanced features such as:

• Unlimited vaults
• Automatic recurring funding (in development)
• Direct-to-creditor payment tools (in development)
• AI payoff coaching (in development)
• Advanced analytics

Features marked as in development are not currently available and will launch only after production infrastructure and compliance approval.

8. Third-Party Services

You authorize us to share necessary information with service providers used for the functions currently enabled:

• Supabase for authentication and secure data storage

DebtVault is testing and evaluating third-party providers for liability data and direct creditor payments. A sandbox or development integration does not mean live customer money movement is available. Production providers will be identified when approved and launched. Each provider maintains its own terms and privacy policy.

9. Electronic Communications (E-SIGN Consent)

By creating an account, you affirmatively consent to receive all notices, disclosures, and statements (“Communications”) electronically. You acknowledge that you have the necessary hardware (computer or smartphone) and software (web browser/PDF viewer) to access and retain these Communications. You have the right to request paper copies for a fee by contacting support@debtvault.co. Withdrawing this consent may result in the termination of your account.

10. Service Availability

We may modify, suspend, or discontinue parts of the Service at any time. We are not liable for outages or disruptions caused by banking partners, payment processors, or internet providers.

11. Termination

We may suspend or terminate accounts that violate these Terms or engage in abusive, fraudulent, or illegal behavior.

12. Limitation of Liability

DebtVault is provided “as is” without warranties. To the fullest extent allowed by law, we are not liable for:

• Transfer delays, failed withdrawals, or failed deposits
• Errors in creditor information you provide
• Interest changes or creditor policy changes
• Financial losses resulting from your use of the Service

Our total liability is limited to the amount you paid to DebtVault during the prior 12 months.

13. Indemnification

You agree to indemnify and hold harmless DebtVault from any claims, damages, losses, or expenses arising from your misuse of the Service, violation of these Terms, or violation of applicable laws.

14. Dispute Resolution

Any dispute arising from these Terms will be resolved through binding arbitration and not through court litigation, except where prohibited by law.

15. Changes to These Terms

We may update these Terms. Continued use of the Service means you agree to the updated version.

16. Contact Us

For questions regarding these Terms, email us at:
support@debtvault.co

17. California Consumer Notice

If you have a complaint, first contact DebtVault at support@debtvault.co. If your issue is unresolved, you may submit a complaint to the Department of Financial Protection and Innovation online at dfpi.ca.gov or by phone at (866) 275-2677.