Terms that don't punish your attention span

Effective date: 17 May 2026

Last updated: 17 May 2026

Thanks for opening this. Most people treat Terms of Service like the side salad at a carb festival—present, ignored, possibly regretful later. We tried to write these in plain language with a little personality, because using DebtEase should feel honest, not like signing a mystery contract.

The short version: DebtEase is a tool to help you see and think about debt and money—not a lender, advisor, fortune teller, or bank. Numbers you enter drive what you see; we don’t magically know your life. Stress tests are hypothetical “what if” cartoons, not predictions. Financial health cues are structural signals, not credit scores.

If anything here feels off, ping me (details at the bottom). I’m one indie developer—not a courtroom full of lawyers—so feedback actually lands.

Using DebtEase means you agree to these Terms. If you don’t agree, no hard feelings; please stop using the service.

DebtEase is built and operated by Mihir, an independent developer based in India.

There’s no big corporate backstory—just someone who cares about clearer debt tools and calmer spreadsheets. Operationally we may describe the service as “DebtEase”, “we”, “our”, or “us” throughout this document—that’s normal legal shorthand even when there’s essentially one human behind the curtain.

DebtEase is a financial wellness and debt awareness platform designed to help you better understand ideas like:

DebtEase gives you informational analysis and educational-style outputs based on your inputs and deterministic calculations baked into the product. Think “structured notebook that does math consistently,” not “oracle.”

DebtEase is not:

DebtEase does not:

You need to be at least 18 to use DebtEase.

By using the service, you’re telling us—in good faith—that:

DebtEase blends:

Outputs are meant to improve visibility and awareness—they are not personalized professional advice tuned to every edge case in your life.

You remain fully responsible for choices you make with money—including whether to prioritize a loan, change spending, refinance, consolidate, negotiate, hire a coach, hire a chartered accountant... all of it.

DebtEase tries to reduce fog; it doesn’t pilot your finances for you.

Everything in DebtEase—from charts to summaries to color-coded moods—is general information.

Nothing here is:

If you’re about to move large sums, restructure legally binding contracts, enter insolvency workflows, buy complex products, etc., talk to humans who owe you fiduciary‑style diligence in the real world.

DebtEase might show indicators like financial health-ish scores, stress sensitivity, fragmentation notes, resilience bands, shock simulation outputs, etc.

Please read those as:

They aren’t approvals, rejects, underwriting, or spooky predictions—just disciplined arithmetic wearing a hoodie.

When DebtEase shocks your budget or cashflow hypothetically—“what if income dipped 15%?”—remember:

Use it like a compass sketch, not a weather satellite.

You agree to:

Misuse isn’t edgy—it’s how tiny teams burn time instead of improving features nobody asked for anyway.

To function, DebtEase processes information you volunteer—possibly including incomes, expenses, debts, EMI details, timelines, snapshots, repayment notes… you get it.

Functional processing is for powering the analysis you asked for.

Separately—and sometimes more granular—see our Privacy Policy (linked wherever we surface it next to onboarding / footers).

DebtEase trusts your inputs deeply. Mistyped salary? Wrong EMI date? Forgot a credit line? Outputs will happily reflect that alternate universe.

We don’t guarantee outputs are universally “correct”—only that they faithfully reflect math + assumptions when inputs cooperate.

DebtEase might change, glitch, nap for maintenance, or temporarily vanish behind a CDN hiccough (hey, infra happens).

Especially while we’re early-stage / alpha-ish, rough edges aren’t betrayal—they’re the receipt for building in public.

Certain experiences may behave like playgrounds:

Translation: expect iteration. If nostalgia for “last month’s bug” hits you—congrats, you were here early.

Code, visual design, branding, copy, systems architecture (where protectable), and compiled features belong to DebtEase/Mihir or licensors.

Unless we explicitly permit it, don’t resell clones, plagiarise wording as if you authored it commercially, scrape training corpora to mimic proprietary flows, etc. If unsure—ask politely.

Where the law permits, DebtEase isn’t financially responsible for indirect or consequential fallout such as profits you feel you missed, vibes that soured on a spreadsheet day, existential dread from realising interest exists, creditors calling because you experimented with avalanche vs snowball, etc.

Basically: powerful tools ≠ guaranteed life outcomes.

If your jurisdiction forbids slicing liability some way, enforceable bits remain; fluff dissolves politely.

DebtEase arrives as-is / as-available. We don’t promise infinite uptime, perfect pixel alignment on every extinct Android ROM, mystical accuracy on third-party pasted CSVs someone edited at 3 a.m., or everlasting joy—though we aspire to reduce anxiety.

Hosting, DNS, databases, fonts, icons, occasional analytics—you name it—we stand on giants’ stacks. Third-party turbulence may ripple to you; we chase fixes pragmatically.

You can request account/data deletion or corrections (see Privacy Policy for paths). Some records may survive where law, abuse prevention, security history, or accounting trails require it.

Use of DebtEase is also governed by our Privacy Policy. By using the service, you acknowledge we process data as described there (not in an evil labyrinth way—lawyers just insist links exist).

We may refresh these Terms. Continued usage after posting updates usually means acceptance. If we ever ship a dramatic pivot (unlikely but life is weird), expect clearer notice.

Governed by the laws of India. Courts in India have jurisdiction—but please email first; tiny teams resolve most issues faster with tea than pleadings.

Name: Mihir

Email: mihir@debtease.app

Role: Independent developer / operator

Location: India

Serious licensing question? Found a loophole wording that makes lawyers smile? Idea that might help thousands? Want to nerd out about amortisation quirks? Same inbox.

Using DebtEase means you affirm you understand:

Stay curious, triple-check consequential choices, and celebrate small wins deleting liabilities.