Terms of Service

1. Acceptance of Terms

By using the Service, you confirm that you are at least 18 years old or have the consent of a parent or legal guardian. Your use of the Service means you agree to these Terms and all applicable laws.

2. Changes to Terms

We may update these Terms from time to time. When we do, we will post the updated Terms on this page and revise the last updated date. Your continued use of the Service after changes are posted means you accept the updated Terms.

3. Privacy Policy

Please review our Privacy Policy. It explains how information is collected, used, stored, and protected when you use the Service.

4. Software Licensing

• License Grant: After purchase, we grant you a non-exclusive, non-transferable, limited license to install and use the software for personal or business purposes, subject to these Terms and any purchase terms provided at the time of sale.
• License Restrictions: You may not sublicense, resell, rent, lease, distribute, decompile, reverse-engineer, modify, or create derivative works from the software unless permitted by applicable law or by our prior written consent.
• Term: Your license remains valid for the period described at purchase unless terminated under these Terms.

5. Accounts, License Keys, and Access

• Account Information: Some purchases, downloads, updates, license records, or support requests may require accurate contact, account, order, or license information.
• Your Responsibility: You are responsible for keeping your license key, download link, login credentials, and account information secure.
• Access Limits: We may suspend or terminate access if we believe the Service is being misused, shared unlawfully, used fraudulently, or used in violation of these Terms.

6. Purchases, Payment, and Refunds

• Payment: All purchases must be completed with a valid payment method. We may use a third-party merchant of record, payment processor, app store, or other provider to process purchases.
• Third-Party Terms: When a purchase is processed by a third party, that provider's terms, privacy policy, taxes, fees, refund process, and payment rules may also apply.
• Refunds: Unless a different refund policy is stated at the time of purchase, we offer a full refund within the first 30 days after purchase.
• Pricing and Taxes: Prices may change. You are responsible for applicable taxes, fees, and charges unless they are handled directly by a third-party merchant of record, payment processor, or app store.

7. Financial Information and No Financial Advice

Debt Blaster is a planning and calculation tool. It can help you organize debt information, compare payoff strategies, and estimate possible payoff results based on the information you enter.

8. Software Updates and Support

• Updates: We may provide updates, maintenance releases, bug fixes, compatibility updates, or new versions. Some updates may be required for continued compatibility with supported operating systems or services.
• Support: Support is provided as described on our website or in related product materials. Support availability, methods, scope, and response times may change.
• Major Versions: New major versions, platform versions, or feature upgrades may require a separate purchase unless stated otherwise.

9. Intellectual Property

• Our Rights: The software, website, logos, trademarks, text, design, images, videos, documentation, and related materials are owned by or licensed to ZilchWorks and are protected by copyright, trademark, and other intellectual property laws.
• Limited Website Use: We grant you a limited, revocable, non-transferable right to access and use the website for lawful personal or business purposes as permitted by these Terms.
• Feedback: If you send us ideas, suggestions, corrections, or feedback, you allow us to use them without restriction or compensation to you.

10. Your Responsibilities

• You are responsible for entering accurate information into the software.
• You are responsible for reviewing calculations, reports, plans, and payoff estimates before relying on them.
• You are responsible for backing up your own data unless a product feature or written service description says otherwise.
• You may not use the Service for unlawful, harmful, fraudulent, abusive, or unauthorized purposes.

11. Third-Party Services

The Service may link to or work with third-party websites, payment providers, merchant of record services, app stores, operating systems, email services, analytics tools, security services, or other providers. We are not responsible for third-party services, content, policies, availability, or actions.

12. Disclaimer of Warranties

The Service and software are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express, implied, or statutory. We do not warrant that the Service will meet your requirements, be uninterrupted, be error-free, be secure, or produce any specific financial result.

13. Limitation of Liability

To the fullest extent permitted by law, ZilchWorks will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, business interruption, financial losses, or other damages arising from your use of or inability to use the Service or software, even if we have been advised of the possibility of such damages.

14. Indemnification

You agree to defend, indemnify, and hold harmless ZilchWorks, its owner, employees, contractors, vendors, and affiliates from claims, liabilities, damages, losses, costs, and expenses, including reasonable attorney fees, arising from your use of the Service, your misuse of the software, your violation of these Terms, or your violation of any law or third-party rights.

15. Termination

We may suspend or terminate your access to the Service or your software license if you violate these Terms, misuse the Service, attempt unauthorized access, share license credentials unlawfully, or use the Service in a way that may harm ZilchWorks, customers, vendors, or third parties.

16. Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, USA, without regard to conflict of law principles. Any dispute arising from or relating to these Terms, the Service, or the software will be subject to the courts located in Massachusetts, USA, unless applicable law requires otherwise.

17. Contact Us

If you have questions about these Terms, please contact us at tos@zilchworks.com.