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Terms of Service

Last updated: July 4, 2026

Acceptance of Terms

By using DebtMage, you agree to these terms. DebtMage is a free, open-source tool operated by Apsion, LLC, a Delaware limited liability company with a business address at 5227 N 7th St STE 18098, Phoenix, AZ 85014, and provided as-is for personal financial planning purposes.

Not Financial Advice

DebtMage is an educational tool, not a financial advisor. The calculations, strategies, and projections provided are for informational purposes only. We recommend consulting with a qualified financial professional before making financial decisions.

Accuracy of Calculations

While we strive for accuracy, DebtMage provides estimates based on the information you enter. Actual results may vary due to:

  • Changes in interest rates
  • Fees not accounted for in calculations
  • Rounding differences
  • Changes in your financial situation

Your Responsibility

You are responsible for:

  • The accuracy of data you enter
  • Backing up your data using the export feature
  • Making your own financial decisions
  • Verifying calculations with your actual account statements

No Warranty

DebtMage is provided "as is" without warranty of any kind. We do not guarantee that the service will be uninterrupted, error-free, or meet your specific requirements.

Limitation of Liability

To the maximum extent permitted by law, DebtMage and its creators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service.

Changes to Terms

We may update these terms from time to time. Continued use of DebtMage after changes constitutes acceptance of the new terms.

Governing Law

These terms are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona.

Contact

Questions about these terms can be sent to [email protected] or raised as an issue on our GitHub repository.