Terms of Service

These Terms of Service are an agreement between you and Nulvify. By creating an account, using the site, or using any paid or free Nulvify feature, you agree to these terms and to our Privacy Policy.

If you do not agree, do not use Nulvify. If you are using Nulvify for someone else, you are responsible for making sure you have authority to enter and manage that information.

Nulvify is a debt planning and forecasting tool. It helps you enter debts, income, spending, check-ins, scenarios, household plan information, and related financial details so the app can generate estimates and planning views.

Forecasts, payoff dates, savings estimates, alerts, AI coach responses, and related outputs are informational only. They depend on the data you enter, assumptions in the model, and changing real-world conditions.

Nulvify does not provide professional financial, legal, tax, credit, investment, bankruptcy, lending, or accounting advice. We do not act as your financial advisor, credit counselor, attorney, tax professional, lender, broker, or fiduciary.

You are responsible for decisions you make using Nulvify. Before making major financial decisions, refinancing, settling debts, changing payment priorities, or taking legal or tax action, consult a qualified professional.

You are responsible for keeping your login credentials secure and for the accuracy of information you provide. You must not use Nulvify to break the law, interfere with the service, reverse engineer the service, scrape the service, or access another person's account or data without permission.

You must provide current and accurate billing, account, and contact information when needed. We may suspend or restrict access if we believe an account is being misused or creates security, legal, or operational risk.

Nulvify may offer an AI Debt Coach. AI responses can be incomplete, outdated, or wrong. The AI Coach may use your account data, debt details, income details, spending details, check-ins, and chat messages to generate responses.

Do not rely on AI responses as professional advice. You are responsible for reviewing AI outputs before acting on them.

Paid plans are billed through Stripe. Prices, plan features, billing intervals, and renewal terms are shown at checkout or in the product. Subscriptions renew automatically unless canceled before the renewal date.

You can manage or cancel billing through the account billing portal when billing is configured. Unless required by law or expressly stated otherwise, fees already paid are non-refundable. Taxes may apply.

Premium features may let you invite another person to share or participate in a household plan. If you invite someone or accept an invite, shared plan data may be visible to the household owner or member, including debt, income, spending, forecasts, check-ins, and related plan information.

Only invite people who are authorized to see the shared information. You are responsible for managing household access.

We may change, pause, remove, or limit features at any time. We try to keep the service reliable, but we do not guarantee that Nulvify will always be available, uninterrupted, secure, or error-free.

We may update these terms from time to time. If changes are material, we will take reasonable steps to notify users through the service or by other appropriate means.

Nulvify is provided "as is" and "as available." To the maximum extent allowed by law, we disclaim warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and reliability.

To the maximum extent allowed by law, Nulvify will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, financial losses, credit outcomes, or debt outcomes arising from your use of the service.

Questions about these terms can be sent to privacy@nulvify.app.