Last updated: 15 April 2026
By using DebtFree you agree to the terms below. Please read them carefully.
DebtFree is a personal finance tracking app that helps individuals keep track of their debts and budget. DebtFree is not a bank, broker, lender or licensed financial advisor.
All calculations, projections and suggestions produced by the app — including snowball / avalanche strategies, monthly surplus calculations, early-payoff simulations, and AI Koç responses — are for informational purposes only. Please consult a licensed financial advisor before making any critical financial decision.
You are responsible for protecting your account from unauthorised access. DebtFree uses email-based one-time codes (OTP) to sign you in and does not store a password. If you leave a session open on a device, anyone who can access that device can see your data in the app.
You are responsible for the accuracy of the debt balances, interest rates and income numbers you enter. Wrong input produces wrong results. DebtFree does not validate your entries.
The core features of DebtFree (debt tracking, early-payoff simulation, data export) are free. AI Koç, unlimited messages and some advanced features require a DebtFree Pro subscription. Subscriptions are sold via Apple App Store or Google Play and renew automatically. To cancel renewal, use the subscription management screen of the respective store.
You may not reverse-engineer DebtFree, access another user's data without authorisation, disrupt the service, or use AI Koç to produce unlawful or harmful content. If you violate these rules we may suspend or delete your account.
DebtFree is provided "as is". DebtFree and its developers cannot be held liable for any financial loss, data loss, loss of business or indirect damage arising from use of the app. To the maximum extent permitted by law, our liability is limited to the amount you have paid us for the subscription.
You can permanently delete your account at any time from Settings → Delete account. We also reserve the right to suspend or terminate service for users who violate these terms.
We may update these terms. We will notify you of significant changes via an in-app notice or email. Continued use of the app after a change means you accept the updated terms.
For questions about these terms, write to support@sph.sh.