Terms & Conditions
Please read these Terms & Conditions carefully before downloading, installing, or using SnowballPay. By accessing or using the application or website, you agree to be bound by these terms.
1. Acceptance of Terms
By accessing, downloading, or installing SnowballPay ("the Application"), you acknowledge that you have read, understood, and agreed to be legally bound by these Terms & Conditions. If you do not agree, discontinue use immediately.
2. License Grant
SnowballPay grants you a personal, revocable, non-exclusive, non-transferable license to install and run the Application on supported mobile hardware for personal financial budgeting and debt repayment planning.
You may not redistribute, reverse-engineer, decompile, or commercialize modified packages of the application without prior written consent.
⚠️ 3. CRITICAL FINANCIAL & LEGAL DISCLAIMER
SnowballPay is a mathematical calculation tool for educational and personal planning purposes only. It does NOT provide certified financial advice, investment advice, legal advice, or credit repair services.
- Mathematical Projections: Payoff dates, total interest saved, and amortization timelines are mathematical simulations based strictly on the numerical figures you enter. They do not account for variable interest rate adjustments, compounding nuances, late fees, lender penalties, or tax implications.
- Not a Registered Financial Advisor: SnowballPay and its developers are not licensed financial planners, accountants, or certified financial analysts (CFA). Consult a qualified financial advisor before making major debt consolidation or liquidation decisions.
- No Execution of Payments: SnowballPay is NOT a banking or payment processing application. It does not transfer money or make automated payments to your lenders. You remain solely responsible for physically executing your debt payments on time with your respective creditors.
4. Local Data Storage & User Responsibility
All debt balances and payoff simulations reside locally on your device. We maintain no cloud servers or remote backups. You are solely responsible for creating regular backups of your financial records. We bear no liability for data loss due to device malfunctions or app uninstallation.
5. Intellectual Property Rights
The application codebase, amortization math algorithms, user interface components, and logos are the proprietary intellectual property of SnowballPay developers and protected under international copyright treaties.
6. Acceptable Use Policy
You agree to use SnowballPay solely for lawful financial planning and debt organization purposes.
7. Disclaimer of Warranties ("AS IS")
SnowballPay is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, including warranties of merchantability, fitness for financial calculation purposes, or computational error-free operation.
8. Limitation of Liability
In no event shall SnowballPay or its developers be liable for credit score penalties, lender fees, financial losses, or indirect damages resulting from use of the Application.
9. Modifications to Terms
We reserve the right to revise these Terms at any time. Continued use of the Application signifies your acceptance of any revisions.
10. Governing Law & Contact
These Terms are governed by general software licensing principles. For questions or support, please contact us via our developer repository.