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    ClearDebt
    Legal

    Terms of Service

    ClearDebt LLC · Effective April 4, 2026

    Acceptance of Terms

    By accessing, browsing, or using ClearDebt (the "Service") at https://cleardebt.credit in any way — including as a visitor who has not created an account — you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, our Cookie Policy, and our Financial Disclaimer & Affiliate Disclosure (collectively, the "Policies"). These Policies are incorporated into these Terms by reference and form a single agreement between you and ClearDebt LLC ("we," "us," or "our"). If you do not agree to these Terms or any of the Policies, you must not access or use the Service. Your continued use of the Service after any updates to these Terms or the Policies constitutes your acceptance of the updated terms. We will notify you of material changes via email or a prominent notice on the Service at least 14 days before they take effect. It is your responsibility to review the Policies periodically.

    Description of Service

    ClearDebt is a self-directed debt tracking and projection web application that helps users visualize and plan debt payoff, including Debt Avalanche, Debt Snowball, and Hybrid methods. The Service allows users to: - Enter debt accounts manually or upload financial statements for data extraction. - View debt payoff timelines, projections, and savings estimates based on data they provide. - View AI-powered debt payoff projections and strategy comparisons based on their entered data. - View balance transfer card offers from third-party affiliate partners. ClearDebt is a self-directed projection tool, NOT a licensed financial advisor, credit counselor, bank, or lender. All outputs are mathematical estimates based on user-provided data and do not constitute financial advice. See the Financial Disclaimer section below.

    Eligibility & Account Registration

    • You must be at least 18 years old and a resident of the United States to use the Service.
    • You must provide accurate, current, and complete information during registration and keep your account information updated.
    • You are responsible for maintaining the confidentiality of your account credentials. You are responsible for all activity that occurs under your account.
    • You may not create accounts on behalf of others without their express authorization.
    • You may not use the Service if you have previously been suspended or removed by ClearDebt LLC.
    • You may not use the Service for any illegal purpose or in violation of any applicable law.

    Subscriptions & Payments

    Free and Paid Plans

    ClearDebt offers a free tier with limited features and paid subscription plans with additional features. The features available on each plan are described at https://cleardebt.credit/pricing.

    Billing

    Paid subscriptions are billed in advance on a monthly or annual basis. All payments are processed by Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis until you cancel.

    Cancellation

    You may cancel your subscription at any time through your account settings. Upon cancellation, your access to paid features will continue until the end of your current subscription period. No further charges will be made after cancellation. Access is not extended beyond the current subscription period and does not carry over.

    Price Changes

    We may change subscription pricing at any time. We will provide at least 30 days' notice before a price change takes effect for existing subscribers. Except in the following states where additional rights apply: in New York and California, if we raise prices for your current subscription, we will either obtain your affirmative consent before charging the higher price, or allow you to cancel your subscription for a prorated refund of any unused portion of your current billing period if you do not consent to the increase.

    Refund Policy

    All subscription fees are non-refundable. There are no refunds or credits for partial use of a subscription period, unused features, or early cancellation. When you cancel, you retain access to paid features through the end of your current subscription period, after which your account will revert to the free tier. If you believe you were charged in error, contact us at [email protected] and we will investigate. Except in the following states where applicable law may provide additional refund or cancellation rights that supersede the above: • California: Under the California Automatic Renewal Law (Bus. & Prof. Code §§ 17600–17606), you have the right to cancel your subscription at any time online via a one-step cancellation mechanism. If we fail to provide required disclosures or obtain proper consent, any amounts charged may be deemed unconditional gifts and subject to full refund. • New York: Under New York's amended Automatic Renewal Law (effective November 5, 2025), if we raise your subscription price you may cancel and receive a prorated refund for the unused portion of your billing period. • Colorado: Under Colorado's amended Automatic Renewal Law (effective February 16, 2026), you may cancel your subscription online via a one-step cancellation link at any time. • Arkansas: Under Arkansas's Automatic Renewal Law (effective August 3, 2025), you have rights to clear disclosure of renewal terms and easy online cancellation. • Massachusetts: Under Massachusetts consumer protection regulations (effective September 2, 2025), you are entitled to clear point-of-sale disclosures and renewal notices. If you reside in one of the above states and believe your state-law rights have not been honored, please contact us at [email protected] and we will respond within 5 business days.

    User Content & Uploaded Documents

    You may provide us with financial data, uploaded statements, and other information ('User Content'). You retain all ownership rights to your User Content. By uploading content, you grant us a limited, non-exclusive license to process, store, and display your User Content solely for the purpose of providing the Service to you.

    • You represent that you have the right to upload all content you submit.
    • You are responsible for the accuracy of the financial data you enter or upload.
    • You should redact or obscure sensitive personal identifiers (full account numbers, Social Security numbers, banking credentials) from uploaded documents before submission.
    • ClearDebt is not responsible for errors in your debt projections resulting from inaccurate data you provide.
    • We do not use your User Content to train AI models or share it with third parties except as described in our Privacy Policy.

    Prohibited Conduct

    You agree not to:

    • Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
    • Attempt to gain unauthorized access to any portion of the Service or any systems or networks connected to the Service.
    • Scrape, crawl, or use automated means to access the Service without our prior written consent.
    • Reverse engineer, decompile, or attempt to extract the source code of the Service.
    • Upload viruses, malware, or other malicious code.
    • Impersonate any person or entity or misrepresent your affiliation with any person or entity.
    • Use the Service to process data of other individuals without their consent.
    • Interfere with or disrupt the integrity or performance of the Service.

    Affiliate Links & Third-Party Offers

    The Service may display credit card offers, balance transfer card recommendations, and other third-party financial product advertisements. We may receive compensation when you click on these links or apply for these products ('affiliate commissions').

    • Affiliate offers are provided for informational purposes only and do not constitute a personal recommendation or financial advice.
    • We are not responsible for the terms, conditions, rates, or approval decisions of any third-party financial product.
    • Third-party sites linked from the Service are governed by their own terms and privacy policies.
    • Clicking an affiliate link may result in tracking cookies being placed by the third-party affiliate network.
    • We disclose our affiliate relationships in our Affiliate Disclosure page.

    Intellectual Property

    The Service, including its design, code, content, logos, and trademarks, is owned by ClearDebt LLC and protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Service except the limited license to use it in accordance with these Terms. You may not copy, reproduce, distribute, modify, or create derivative works of any part of the Service without our prior written consent.

    Disclaimers & Limitation of Liability

    Service "As Is"

    THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

    No Financial Advice

    ClearDebt does not provide personalized financial, investment, legal, or tax advice. Debt projections and strategy recommendations are mathematical estimates based on data you provide and are not guarantees of financial outcomes. Always consult a qualified financial professional before making significant financial decisions.

    Limitation of Liability

    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLEARDEBT LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR DATA, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $50.

    Indemnification

    You agree to indemnify, defend, and hold harmless ClearDebt LLC and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your User Content; or (d) your violation of any rights of a third party.

    Termination

    We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms. You may terminate your account at any time by deleting it in your account settings or contacting us at [email protected]. Upon termination, your right to use the Service ceases immediately, and we will delete your data in accordance with our Privacy Policy.

    Governing Law & Disputes

    These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions. You agree that any dispute arising from these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may seek injunctive relief in court for intellectual property infringement. YOU WAIVE ANY RIGHT TO A JURY TRIAL OR CLASS ACTION PARTICIPATION.

    Miscellaneous

    • Entire Agreement: These Terms, together with our Privacy Policy, Cookie Policy, and Financial Disclaimer & Affiliate Disclosure (collectively, the 'Policies'), constitute the entire agreement between you and us regarding the Service. All Policies are incorporated into these Terms by reference.
    • Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
    • No Waiver: Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
    • Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights without restriction.
    • Force Majeure: We are not liable for any failure or delay in performance due to causes beyond our reasonable control.

    Contact

    For questions about these Terms, please contact: ClearDebt LLC Email: [email protected] Website: https://cleardebt.credit