Terms and Conditions of Use for Debtly

1. Nature of the Service

Debtly is a digital tool designed for managing, logging, and organizing personal or group debts, balances, and informal financial obligations between individuals. Debtly IS NOT a financial institution, bank, digital wallet, payment gateway, or debt collection agency. The Application is strictly limited to facilitating an informational ledger based on the data voluntarily inputted by the User.

2. Registration and Account Security

To use the Application, Users must register using an email address and a password. Registration and authentication are processed securely through our cloud infrastructure. The User is solely responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account.

3. Premium Features and Subscriptions (In-App Purchases)

The Application is offered under a "Freemium" model, which includes basic features available free of charge and advanced features subject to payment ("Premium Features").

• Payment Processing: All transactions, one-time purchases, or recurring subscriptions are processed exclusively through the native in-app payment platforms of the Apple App Store (Apple Pay) and Google Play Store (Google Pay). The Operators never store, collect, or have access to the credit card or bank account data of the User.
• Cancellation and Refund Policies: Billing management, auto-renewals, and refund requests are governed strictly by the terms and conditions of Apple and Google. Users must handle cancellations or billing disputes directly within their respective mobile device settings.

4. Banking Disclaimer and PCI-DSS Compliance

Debtly acts strictly as an informational ledger and convenience platform. Although the Application allows users to voluntarily save and share certain "Payment Methods" (such as aliases, Zelle emails, or account numbers), this data is stored strictly as plain text for convenience so that users can settle debts externally. Debtly does not initiate, process, clear, or settle any actual monetary fund transfers, and is therefore not subject to PCI-DSS compliance regulations or financial technology institution (money transmitter) obligations.

5. DMCA Compliance and Intellectual Property (Safe Harbor)

The Operators respect the intellectual property rights of others. In accordance with the Digital Millennium Copyright Act (DMCA), the Project is protected under the Safe Harbor provision with the official registration number DMCA-1075018.

If any User or third party believes that any content hosted within the Application infringes their copyrights, they may submit a formal takedown notice to our Designated DMCA Agent:

• Designated Agent: Jhoseph Jefferson Guerrero Puche
• Contact Email: develop@debtly.tech

Upon receipt of a valid notice, the Operators will act expeditiously to remove or disable access to the allegedly infringing material.

6. Shared Records and Uploaded Content

Debtly is a multi-user ledger. A record created, shared, or accepted by more than one User may become part of each participant's independent account history. Deleting one User's account does not require Debtly to alter or delete another User's copy of a debt, payment, group record, receipt, or supporting image when retention is reasonably necessary to preserve an accurate ledger, resolve disputes, establish or defend legal claims, prevent fraud, or comply with law.

Upon account deletion, Debtly removes the deleted User's account credentials, email address, profile picture, and data controlled solely by that account. Retained shared records use only the name already associated with the transaction or a generic deleted-user label; they no longer link to an active profile.

Users must upload only content they are authorized to use and should avoid including unnecessary personal, financial, medical, government-identification, or other sensitive information in receipt or supporting images. A User who uploads content is responsible for its accuracy, legality, and relevance to the shared record. Requests to review or remove retained content may be sent to develop@debtly.tech and will be evaluated in light of all affected Users' rights.

7. Disclaimer of Warranties and Limitation of Liability

The Application is provided on an "AS IS" and "AS AVAILABLE" basis. The Operators make no warranties, express or implied, regarding the accuracy, completeness, or continuous availability of the financial records inputted. In no event shall the Operators be liable for any indirect, incidental, or data loss damages arising out of the use of the platform.

8. Modifications to the Terms

The Operators reserve the right to modify these Terms at any time. Material changes will be notified through the Application or via email. Continuous use of the Application after changes are posted constitutes the User's acceptance of the new Terms.