Terms of Service

1. Acceptance of Terms

By accessing or using Auri ("Service," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Auri is a personal finance organization and planning platform that helps users:

• Track and organize debt information
• Create and visualize payoff plans
• Explore hypothetical "what-if" scenarios
• Set payment reminders and goals

Our Service provides organizational tools and calculations based on information you provide. We do not access your bank accounts, make payments on your behalf, or have any control over your financial accounts.

3. No Professional Advice

The Service is designed to help you organize your financial information and explore potential outcomes. However:

• We are not a financial advisory service
• We are not a credit counseling agency
• We do not provide personalized financial recommendations
• Our calculations and projections are estimates based on the data you provide

Any decisions you make based on information from the Service are made at your own discretion and risk. We strongly encourage you to consult with qualified financial advisors, accountants, or other professionals for advice specific to your situation.

4. User Accounts

To use the Service, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Promptly update any changes to your information
• Accept responsibility for all activities under your account

You must be at least 18 years old to create an account and use the Service.

5. User Responsibilities

You are solely responsible for:

• The accuracy of financial information you enter into the Service
• Making your own financial decisions
• Making actual payments to your creditors
• Verifying any calculations or projections with your actual account statements

The Service relies on information you provide. Inaccurate input will result in inaccurate calculations and projections.

6. Payments and Billing

Certain features of the Service require payment. By purchasing access:

• You authorize us to charge your payment method through our payment processor (Stripe)
• You agree to pay all applicable fees and charges
• All payments are processed securely through Stripe

Refund requests are handled on a case-by-case basis. Contact us at support@auridebt.com for assistance.

7. Intellectual Property

The Service, including its design, features, and content, is owned by Auri and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

8. Limitation of Liability

To the maximum extent permitted by law:

• The Service is provided "as is" without warranties of any kind, express or implied
• We do not guarantee the accuracy, completeness, or usefulness of any calculations or projections
• We are not liable for any financial decisions you make based on information from the Service
• Our total liability is limited to the amount you paid for the Service in the past 12 months

9. Termination

You may stop using the Service at any time. We reserve the right to suspend or terminate your access if you violate these terms or use the Service in a manner that could harm us or other users.

Upon termination, you may request deletion of your data in accordance with our Privacy Policy.

10. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of material changes via email or through the Service. Your continued use after changes constitutes acceptance of the updated terms.

11. Governing Law

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

12. Contact Us

If you have questions about these Terms of Service, please contact us at: support@auridebt.com