1. Acceptance of these Terms
These Terms of Service (the “Terms”) govern your use of Autopay Alert (the “App,” “we,” “our,” or “us”). By downloading, installing, accessing, or using the App, you agree to these Terms.
If you do not agree to these Terms, do not use the App.
2. What Autopay Alert does
Autopay Alert helps you manually track recurring bills, payday timing, estimated projected balances, possible cash gaps, and safe-to-spend amounts. The App may also provide local reminders and suggested next actions based on information you enter.
The App is designed to help you plan ahead, but it is not a bank, payment processor, financial institution, credit product, accounting service, or professional financial advisor.
Autopay Alert does not connect to your bank, does not verify your real bank balance, does not move money, does not make payments, and does not guarantee that you will avoid fees, overdrafts, missed payments, or other losses.
3. Your responsibility for accuracy
The App’s estimates depend on information you enter, including balances, bill amounts, bill dates, recurrence rules, payday schedules, reminder settings, and other planning details.
You are responsible for:
- Entering accurate and current information
- Updating your balance and bill details when they change
- Verifying actual payment dates, payday dates, and bank balances outside the App
- Making your own spending, payment, and financial decisions
You should not rely on the App as the only source for financial decisions.
4. No financial, legal, tax, or professional advice
The App may display estimates, warnings, projected balances, cash gap amounts, safe-to-spend numbers, reminders, or suggested actions. These are informational planning outputs only.
Nothing in the App is financial, legal, tax, accounting, or professional advice. You should consult an appropriate professional if you need advice about your personal financial situation.
5. Free app and advertising
Autopay Alert is free to download and use. The App is monetized through in-app advertising. Ads may be provided by third-party advertising partners.
The App does not currently offer in-app purchases, paid subscriptions, paid accounts, or paid premium features. If this changes in the future, we will update the App experience and applicable terms as needed.
6. Accounts and local data
The App does not require you to create an account. Your manually entered planning data is intended to be stored locally on your device. If you delete the App, clear app data, switch devices, or lose access to your device, your local App data may be lost.
You are responsible for maintaining any backup or record of information you want to keep.
7. Permitted use
You may use the App for your personal, lawful, non-commercial planning purposes. You agree not to:
- Use the App for any unlawful, harmful, fraudulent, or abusive purpose
- Attempt to interfere with, damage, reverse engineer, decompile, or disrupt the App
- Attempt to bypass, remove, or disable advertising, security, or usage controls
- Copy, resell, rent, sublicense, or commercially exploit the App
- Use the App in a way that violates the rights of others
8. Notifications and reminders
If you enable reminders, the App may send local notifications about bills, balance updates, paydays, or planning actions. Reminders are provided for convenience only and may not always be delivered on time or at all due to device settings, operating system restrictions, battery settings, or other factors.
You remain responsible for tracking and paying your bills on time.
9. Third-party services
The App may use third-party services for advertising, analytics, diagnostics, app distribution, and related functionality. Third-party services may be governed by their own terms and privacy policies.
We are not responsible for third-party services, websites, ads, offers, or content that are not owned or controlled by us.
10. Intellectual property
The App, including its design, branding, text, graphics, icons, software, and other content, is owned by us or our licensors and is protected by applicable intellectual property laws.
These Terms do not transfer ownership of the App or any intellectual property rights to you. We grant you a limited, revocable, non-exclusive, non-transferable license to use the App for personal use in accordance with these Terms.
11. App changes and availability
We may update, modify, suspend, or discontinue the App or any feature at any time. We may also change how the App works, including calculations, reminders, supported features, and advertising behavior.
We do not guarantee that the App will always be available, uninterrupted, secure, accurate, or error-free.
12. Disclaimer of warranties
The App is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, to the maximum extent permitted by law.
We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and reliability.
13. Limitation of liability
To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or financial opportunity arising from or related to your use of the App.
We are not responsible for overdraft fees, late fees, missed payments, incorrect estimates, lost data, device issues, notification failures, or decisions you make based on the App.
14. Indemnity
You agree to defend, indemnify, and hold harmless us and our affiliates, service providers, and licensors from any claims, losses, liabilities, damages, costs, or expenses arising out of or related to your use of the App, your violation of these Terms, or your violation of any law or third-party right.
15. Termination
You may stop using the App at any time. We may suspend or terminate access to the App if we believe you have violated these Terms or if we discontinue the App.
Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnity, and dispute-related provisions.
16. Changes to these Terms
We may update these Terms from time to time. When we make changes, we will update the “Last updated” date above. Your continued use of the App after updated Terms become effective means you accept the updated Terms.
17. Governing law
These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles, unless applicable law requires otherwise.
18. Contact us
If you have questions about these Terms, contact us at:
Email: help@owldebtfocus.top