Terms of Service

What PayDownPath Provides

• • Debt management and tracking tools
• • Payment strategy recommendations
• • Financial calculators and projections
• • Budget planning assistance
• • Progress tracking and reporting
• • Educational content and resources

What We Don't Provide

• • Financial advice or professional counseling
• • Direct payment processing or money transfers
• • Credit repair or debt settlement services
• • Investment or tax advice
• • Legal or accounting services

Account Security

• • Maintain the confidentiality of your login credentials
• • Use a strong, unique password
• • Notify us immediately of any unauthorized access
• • Log out of shared or public devices

Accurate Information

• • Provide accurate and current financial information
• • Update your data when circumstances change
• • Use the service for legitimate debt management purposes
• • Comply with all applicable laws and regulations

Prohibited Uses

• • Sharing your account with others
• • Using the service for illegal activities
• • Attempting to hack or compromise our systems
• • Uploading malicious content or code

Calculation Accuracy

While we strive for accuracy, our calculations are estimates based on the information you provide. Actual results may vary due to interest rate changes, fees, or other factors.

Third-Party Content

We may provide links to third-party resources for educational purposes. We don't endorse or guarantee the accuracy of external content.

Uptime and Maintenance

We strive to maintain 99.9% uptime but may occasionally need to perform maintenance. We'll notify you of planned downtime when possible.

Service Modifications

We may update, modify, or discontinue features with reasonable notice. We'll always try to improve the service while maintaining core functionality.

Data Backup

While we maintain regular backups, you're responsible for keeping your own records of important financial information.

Maximum Liability

Our total liability to you for any claims related to the service is limited to the amount you've paid us in the 12 months before the claim (which is $0 for our free service).

Your Right to Terminate

You can delete your account at any time through your account settings. Upon deletion, we'll remove your personal data according to our Privacy Policy.

Our Right to Terminate

We may suspend or terminate accounts that violate these terms, engage in fraudulent activity, or pose security risks. We'll provide notice when possible.