Last updated: August 10, 2026
These Terms of Service ("Terms") govern your use of the Debt Ladder mobile application ("Debt Ladder", the "App"), published by Adelyons Software LLC ("we", "us"). By downloading or using Debt Ladder, you agree to these Terms. If you do not agree, do not use the App.
We grant you a personal, non-exclusive, non-transferable, revocable license to use Debt Ladder on devices you own or control, for your personal use, subject to these Terms and the EULA.
Debt Ladder is a planning and calculation tool. It projects debt payoff timelines, payoff order, and interest figures from the numbers you enter. It does not provide financial, legal, tax, or credit advice, does not recommend or evaluate financial products, and does not take your individual circumstances into account. Nothing in the App is a recommendation to take, refinance, consolidate, or prioritize any debt. For advice about your situation, consult a qualified professional.
Projections are estimates produced by a deterministic amortization model from the balances, interest rates, minimum payments, and budget you supply. Real accounts differ: lenders apply fees, promotional or variable rates, different compounding and posting rules, and payment allocation rules that Debt Ladder does not know about. Your actual payoff dates, interest, and balances will differ from the projection. Always rely on your lender's statements for what you owe.
Debt Ladder has no account system and no bank linking. The debts, balances, and payments you enter are yours, and they remain on your device. You are responsible for the accuracy of what you enter, for keeping your device secure, and for making your actual payments on time — Debt Ladder does not make payments, contact lenders, or access any financial account.
Debt Ladder is free to use for up to three debts, including the monthly check-in, your debt-free date, and reminders. Debt Ladder Pro unlocks unlimited debts, snowball-versus-avalanche comparison, what-if projections, interest-saved figures, and charts. Pro is available as:
Purchases are billed through your Apple ID or Google account. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel a subscription anytime in your device's App Store or Google Play subscription settings. Prices are shown in the App at the time of purchase and may vary by region. Except where required by law or store policy, payments are non-refundable.
You agree not to misuse Debt Ladder, including by attempting to interfere with the App, reverse engineer it except as permitted by law, or use it in violation of any applicable law.
Debt Ladder is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose. We do not warrant that the App will be uninterrupted or error-free, or that any projection it produces will match your actual financial outcome.
To the fullest extent permitted by law, Adelyons Software LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, for any financial loss, missed payment, fee, or interest cost, or for any loss of data, arising from your use of Debt Ladder.
We may update these Terms from time to time. Continued use of Debt Ladder after changes take effect constitutes acceptance of the updated Terms.
Questions about these Terms? Email dev@adelyons.com.