Effective Date: September 17, 2025
Please read these Terms of Service (“Terms”) carefully before using Loans & Money: AI Debt Coach (“the App”). By accessing or using the App, you agree to be bound by these Terms.
1. Use of the App
You may use the App solely for personal, non-commercial purposes and in compliance with all applicable laws and regulations.
You must be at least 13 years old to use the App. By using the App, you confirm that you meet this age requirement.
2. User Data
Any personal information you provide (such as your name, email, and quiz responses) is stored locally on your device only.
We do not transmit, share, rent, or sell your data to any third parties. You remain in full control of your personal information at all times.
3. Advertising
The App may display third-party advertisements. While we make efforts to work with reputable networks, the content and accuracy of ads are outside of our control.
Interactions with any third-party advertisements are solely between you and the advertiser.
4. Intellectual Property
All content and materials within the App, including text, graphics, logos, and design elements, are the property of Loans & Money: AI Debt Coach or its licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not copy, distribute, modify, reverse engineer, or create derivative works from the App without prior written permission from us.
5. Limitation of Liability
The App is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.
We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the App, including but not limited to loss of data, financial loss, or service interruptions.
6. Changes to Terms
We may update or revise these Terms from time to time to reflect changes in our practices, technology, or legal requirements.
Continued use of the App after updates indicates your acceptance of the revised Terms. We encourage you to review this page periodically.
7. Contact
If you have any questions or concerns about these Terms, please contact us at:
Email: support@apemoneyd.com