Terms

debtmo provides planning estimates, not financial advice.

These early terms frame the current free manual planning experience and the planned paid Plaid sync path while the authenticated product is still being built.

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Planning estimates

debtmo payoff dates, interest estimates, momentum scores, and suggested next actions are planning tools. They depend on the balances, APRs, payment amounts, and assumptions entered into the product.

Results are estimates and may differ from lender statements or real payoff outcomes.

debtmo does not replace financial, legal, tax, credit counseling, or lending advice.

Users remain responsible for verifying payment amounts, due dates, fees, and payoff terms with creditors.

Free manual and paid sync use

The free option is intended for manual planning-level entry. The paid option is intended for Plaid-powered account sync when that integration is available.

Do not enter sensitive account credentials, account numbers, or routing numbers into manual forms.

Manually entered data may be incomplete or outdated unless users maintain it.

Plaid-connected data may depend on provider availability, supported institutions, and update timing.

Early access requests do not guarantee a launch date, invite, or specific feature availability.

Responsible use

debtmo should be used for lawful personal planning. Attempts to bypass security controls, scrape protected data, or interfere with the service are not permitted.

Use accurate planning inputs where possible.

Do not submit another person's private financial information without permission.

Report security concerns responsibly through the project owner.