Terms of use
Last updated: September 2026
Who I am
Debtless is built and maintained by Logan Moore. Support information is available on the Debtless support page.
What Debtless is
Debtless and its Plan Assistant are software tools for tracking, education, and payoff scenario planning. They are not financial advisers, do not provide financial, legal, tax, credit-repair, lending, or investment advice, and do not act on your behalf. You remain responsible for every decision and payment. Verify balances, creditor terms, due dates, fees, and consequences before acting, and consult an appropriately qualified professional when you need advice for your situation.
Your account
There is no sign-in account or cloud-synced debt ledger. Core data, statement processing, and generated requests live on your device. If you delete the app, the local ledger goes with it. Export to CSV from Settings if you want a copy.
Price
Debtless is completely free. It has no subscription, in-app purchase, paywall, advertising, or paid feature tier.
Acceptable use
Don't reverse engineer the app, abuse generated features, or use the app to do something illegal. Report bugs through the support options described on the support page.
On-device generated content and Apple services
On compatible devices, the Plan Assistant, Earn ideas, and enhanced statement parsing use Apple Intelligence on-device. Availability depends on iOS version, language, region, device eligibility, and model readiness. Generated output can be incomplete, outdated, misleading, or wrong. Verify important information before acting.
Disclaimer
Debtless is provided "as is" without warranties. I'm a solo developer doing my best. I am not liable for any indirect or consequential damages arising from your use of the app.
Changes
If these terms change in a meaningful way, I'll update the date above and note it in the app's release notes.