Terms of Service

Welcome to DebtGo. By accessing or using DebtGo's website, applications, and services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use DebtGo.

1. Purpose of DebtGo

DebtGo provides informational tools designed to help users organize, understand, and evaluate debt-related information. DebtGo does not provide legal, tax, or financial advice.

2. Eligibility

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

3. No Guarantees

DebtGo does not guarantee:

• Debt reduction, forgiveness, or settlement
• Approval by creditors or lenders
• Specific financial outcomes or savings
• Improvements to credit scores

All results depend on individual circumstances and third-party decisions.

4. User Responsibilities

You agree to:

• Provide accurate and current information
• Verify all data against official creditor statements
• Use the Services for lawful purposes only
• Make independent financial decisions

5. Third-Party Services

DebtGo may reference or integrate third-party services. DebtGo is not responsible for their content, accuracy, or actions.

6. Intellectual Property

All content, branding, and software associated with DebtGo are owned by DebtGo or its licensors and may not be copied or reused without permission.

7. Limitation of Liability

To the maximum extent permitted by law, DebtGo is not liable for indirect, incidental, or consequential damages arising from use of the Services.

8. Termination

DebtGo may suspend or terminate access at any time for violation of these Terms or misuse of the Services.

9. Changes to Terms

We may update these Terms periodically. Continued use of the Services constitutes acceptance of the updated Terms.

10. Advertising

DebtGo may display advertisements through Google AdSense and other advertising networks. These ads are served by third parties and DebtGo does not control their content. We do not receive compensation based on whether you interact with any advertisement. Advertisers may use cookies to serve ads based on your prior visits to this or other websites. You may opt out of personalized advertising by visiting Google's Ads Settings.

11. Affiliate Links and Compensation

Some pages on DebtGo may contain affiliate links to third-party products or services. If you click on an affiliate link and make a purchase, DebtGo may receive a small commission at no additional cost to you. Affiliate relationships do not influence editorial content or recommendations. We only reference products or services we believe may be genuinely useful.

12. Privacy and Data

By using DebtGo, you acknowledge that:

• Debt and budget information you enter is stored securely in your personal account
• We do not sell your personal financial data to third parties
• Anonymous usage analytics may be collected to improve the service
• You may delete your account and associated data at any time by contacting support

For full details on data handling, please review our Privacy Policy.

13. Accuracy of Information

DebtGo makes every effort to provide accurate calculations and educational content. However, financial situations vary and the information provided is for general educational purposes only. All calculations, timelines, and projections are estimates. Users are encouraged to verify all outputs against official account statements and consult qualified financial professionals before making significant financial decisions.

14. Prohibited Uses

You agree not to use DebtGo to:

• Attempt to gain unauthorized access to other user accounts or system components
• Upload or transmit malicious code, scripts, or content
• Use the service for any illegal activity under applicable law
• Scrape, copy, or reproduce DebtGo content without written permission
• Impersonate DebtGo, its employees, or other users

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or use of the Services shall be resolved through binding arbitration rather than in court, except where prohibited by applicable law.

16. Contact

Questions regarding these Terms may be sent to: debtgo.web@gmail.com