DebtYa
Terms, privacy, cancellation, and refunds.
Terms of Service
Welcome to DebtYa. These Terms of Service govern access to and use of the platform, website, and related services offered by DebtYa. By creating an account, accessing, or using DebtYa, you agree to these Terms.
1. Who we are
DebtYa is a software platform that acts as a debt copilot: it helps you organize payoff using information you enter (balances, APR, minimum payments), a strategy you choose (Avalanche or Snowball), and a recommended next payment line. The current product experience is manual-first: you pay your creditors outside DebtYa and confirm with I paid it inside the app.
2. What DebtYa does
DebtYa provides tools to:
- organize debts you enter manually,
- compare Avalanche vs Snowball and show recommendations based on your inputs,
- track progress and payment history when you confirm payments,
- optionally explain recommendations in plain language (for example through an AI Coach feature) in educational terms only.
DebtYa does not move money, does not execute payments to creditors for you, does not promise automatic payments, is not a bank, and does not lend money. Recommendations and projections are estimates and may vary. You remain responsible for verifying balances, APR, minimum payments, and all payments with your creditors and on your statements.
3. What DebtYa is not
DebtYa is not:
- a bank or lender,
- regulated financial, legal, tax, or credit advice (including from any automated coach or assistant),
- a credit repair agency,
- a law firm,
- a debt relief or consolidation service.
4. Account and access
You are responsible for keeping your credentials confidential and for all activity on your account. You should provide reasonably accurate information and keep it up to date.
5. Pricing and billing
During the manual-first public beta, core DebtYa tools are offered free ("Free during beta"). If we introduce paid subscriptions in the future, we will show pricing and terms before any charge. Where a paid subscription applies to an account, charges may be processed through a payment processor (for example Stripe) as disclosed at checkout or in your account.
6. Third-party services
DebtYa uses independent service providers for infrastructure, security, email delivery, analytics, and similar operations. The default DebtYa experience is manual-first and does not require you to connect a bank or import accounts. Optional or legacy features may exist for some accounts or environments; where available they are subject to separate consent, provider terms, technical limits, and regional coverage. We do not guarantee every institution, creditor, or flow will be supported.
DebtYa may display, organize, or help you plan payments; it does not execute payments to creditors for you in the manual-first product path.
7. Acceptable use
You may not use DebtYa to:
- violate applicable laws or regulations,
- attempt unauthorized access to systems, data, or accounts,
- interfere with the security or operation of the service,
- use the platform in a fraudulent or misleading way.
8. Service availability
DebtYa may change, update, limit, or interrupt features at any time, especially during beta stages, maintenance, security improvements, or provider changes.
9. Limitation of liability
To the maximum extent permitted by law, DebtYa provides the service "as is" and "as available." We do not guarantee the service will be free from errors, interruptions, or specific financial outcomes.
10. Termination
We may suspend or close accounts that violate these Terms, affect the security of the service, or create legal, operational, or fraud risk.
11. Optional reminders
You may opt in to optional smart email reminders about upcoming payments (timing and suggested amounts) from your account settings. SMS reminders may be offered where supported and will also require your explicit opt-in before we send anything. Message and data rates may apply for SMS. You may opt out of SMS by replying STOP when that flow is supported, and manage email/SMS preferences in your account. Any non-transactional marketing email we send will include an unsubscribe option when legally required. DebtYa does not move money or execute payments to creditors; reminders are informational only.
12. Contact
For legal questions or support, email contact@debtya.com.
Privacy Policy
DebtYa respects your privacy. This Policy explains how we collect, use, store, and share information when you use our website and platform.
1. Information we collect
We may collect:
- name, email, and access credentials,
- information you manually enter about debts, accounts, or plans,
- platform usage information,
- technical device and browser information,
- aggregated product usage and diagnostics collected through analytics tools such as Google Analytics (gtag.js) when enabled on the site,
- if you enable optional features that involve external account linking or imports in the future, additional categories of information that those providers return subject to your authorization and their terms.
2. How we use information
We use your information to:
- create and manage your account,
- provide and improve the service,
- show your dashboard, debts, strategies, recommendations, and history you choose to keep,
- process billing when a paid plan applies to your account,
- provide support,
- protect platform security,
- meet legal obligations.
3. Information connected through third parties
The default DebtYa experience is manual-first. If you use optional features that involve external providers, DebtYa may receive information those providers allow us to process according to your authorization, their configuration, and their rules. Coverage, fields returned, and refresh frequency can vary by institution and product.
4. Sharing information
We do not sell your personal information. We share information with processors and partners strictly as needed to provide the service, including infrastructure and security vendors, email/SMS delivery providers when you opt in to optional reminders (such as smart email reminders), and payment processors when a paid subscription applies. We may also share information to comply with law, prevent fraud, or protect rights and safety.
5. Retention and security
We apply reasonable technical and organizational security measures. Even so, no system can guarantee absolute security.
6. Your choices
You can request help related to your account, billing, or data by emailing contact@debtya.com. You can opt in or out of optional email/SMS reminders in the product; we will update this Policy if flows or providers change materially.
7. Changes to this policy
We may update this Policy to reflect service, legal, or operational changes. The version published on this page will be the current one.
Cancellation Policy
During the free manual-first beta, you may request account closure or help removing your data by contacting contact@debtya.com.
If your account has or later obtains a paid subscription, you can cancel that subscription according to the terms shown at purchase. Recurring charges may be processed by a payment processor (for example Stripe). Customer portal links, receipts, and payment-method management may appear when enabled for your account.
How to cancel
You can cancel:
- from the billing portal available in your account, or
- by contacting support at contact@debtya.com.
When cancellation takes effect
If you cancel, your subscription remains active through the end of the period already paid, unless expressly stated otherwise.
No new charges will be made once cancellation is effective for the next cycle.
What happens next
After you cancel:
- you keep access until the end of the paid period,
- after that period ends, your subscription will not renew,
- some service features may become unavailable.
Refund Policy
The manual-first beta described on our site does not charge a subscription fee. This refund policy applies when a paid subscription charge has been processed.
Unless applicable law requires otherwise, DebtYa subscription payments are not refundable once processed.
When charges apply, they may be processed through a payment processor (for example Stripe); how a charge appears on your statement follows that processor and your card issuer conventions.
No automatic proration
When you cancel, cancellation prevents future renewals but does not automatically refund or prorate the period already billed.
Exceptions
DebtYa may evaluate exceptions case by case, for example:
- duplicate charge,
- demonstrable technical error,
- unauthorized charge subject to reasonable review.
To request a review, email contact@debtya.com.
DebtYa reserves the right to approve or deny exception requests according to this policy and the information available.
Account deletion
To delete your DebtYa account and data, email contact@debtya.com from the email on your account. We will process your request and delete or anonymize your data as applicable.
Automated self-service deletion may be added later. Until then, email is the supported way to submit an account deletion request.
Use this page URL in store listings when a fixed link is required: https://www.debtya.com/legal.html#eliminar-cuenta