Terms of Use · 使用條款
Plan with estimates, then verify with your lender.
Core terms
Debt Wayfinder is a calculation, education, and record-keeping tool. All payoff dates, interest totals, savings comparisons, plan health indicators, and allocation results are estimates based on information and assumptions you enter. You remain responsible for verifying amounts, due dates, fees, rates, and payment instructions with each lender.
Debt Wayfinder does not make payments, move money, connect to banks, lend, broker loans, verify income, determine affordability, trade or hold assets, or provide personalized financial, investment, legal, or tax advice. Nothing in the app guarantees debt payoff, savings, credit improvement, investment returns, or wealth accumulation.
Purchases
Annual Pro is an auto-renewable subscription. Lifetime Pro is a one-time non-consumable purchase. Both unlock the same Pro creation limits. Prices and billing confirmation are provided by the App Store. Subscriptions renew unless canceled through Apple at least 24 hours before the current period ends. Refunds and purchase management are handled by Apple.
Your use of the app is also governed by the Apple Standard End User License Agreement.
Your data and responsibilities
You are responsible for the accuracy and legality of information you enter and for maintaining appropriate device and Apple Account security. Do not use Debt Wayfinder to store full bank account numbers, full card numbers, passwords, government identifiers, or other credentials.
Availability and changes
Features may depend on compatible Apple devices, operating systems, iCloud availability, notification permissions, and App Store services. The app and these terms may be updated to improve reliability, comply with platform requirements, or reflect new features. Material privacy changes will also be reflected in the Privacy Policy.
繁體中文摘要
還款羅盤是試算、教育與紀錄工具。所有還清日期、利息、節省比較、計畫健康度與分配結果都是依輸入資料與假設產生的估算；實際金額、到期日、費用、利率與付款方式仍須向貸款機構確認。
還款羅盤不代為付款或移轉資金、不連結銀行、不放款或媒合貸款、不驗證收入、不判斷負擔能力、不交易或保管資產，也不提供個人化財務、投資、法律或稅務建議。App 不保證清償、節省、信用改善、投資報酬或累積財富。
年度 Pro 為自動續訂訂閱；永久 Pro 為一次買斷。兩者解鎖相同 Pro 額度，實際價格、續訂、取消與退款由 Apple／App Store 處理。使用 App 同時受 Apple Standard EULA 約束。
Contact
Questions about these terms can be sent through Debt Wayfinder Support.