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Terms of Service

Last updated: January 2025

1. Acceptance of Terms

By accessing or using DebtVault, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Service.

2. Eligibility

You must be at least 18 years old and legally capable of entering a binding contract to use the Service.

3. Use of the Service

  • You agree not to misuse or disrupt the Service.
  • You are responsible for maintaining the security of your account.
  • You agree to comply with all financial regulations that apply to you.

4. Financial Activity

DebtVault does not hold customer funds. All deposits and payouts are processed through regulated third-party providers (Stripe, Plaid).

  • Daily savings deposits are processed securely.
  • Payouts depend on Stripe Connect verification.
  • You are responsible for ensuring your financial information is accurate.

5. Subscriptions & Billing

Certain features require a paid Pro subscription. By subscribing, you authorize recurring payments until canceled.

  • You may cancel anytime from your Settings page.
  • No refunds are provided for partial billing periods.

6. Pro Features

Features labeled as “Pro” (such as automation, direct creditor payments, unlimited vaults, and advanced analytics) are only available to subscribed users.

7. Connected Services

DebtVault integrates with third-party services. By using these features, you authorize the transfer of necessary data:

  • Plaid bank verification & balance data
  • Stripe deposits, payouts, subscription billing
  • Supabase secure authentication & storage

8. Termination

We may suspend or terminate your access if you violate these Terms or engage in fraudulent, harmful, or unlawful activity.

9. Limitation of Liability

DebtVault is provided “as is” without warranties. We are not liable for losses resulting from:

  • Bank delays or transfer failures
  • Incorrect financial information provided by you
  • Third-party service disruptions

Our total liability is limited to the amount you paid (if any) for Pro subscription during the previous 12 months.

10. Changes to These Terms

We may update these Terms occasionally. Updates will be posted on this page, and continued use of the Service constitutes acceptance of the updated Terms.

11. Contact Us

If you have questions about these Terms, contact us at:
support@debtvault.co

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