Terms of Service

These Terms of Service (“Terms”) are a legally binding agreement between you and SnowballPay (“SnowballPay,” “we,” “us,” or “our”) governing your access to and use of the website and web application at getsnowballpay.com (collectively, the “Service”).

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Please also read our Privacy Policy, which is incorporated into these Terms by reference.

SnowballPay is a personal debt management and payoff planning tool. The Service allows you to:

• Enter and track debts, income, and expenses
• Generate a debt payoff plan using the Debt Snowball method
• Upload financial documents (bank statements, pay stubs) for automated data extraction
• Receive AI-generated personalized suggestions for paying off debt faster
• Track your actual balance progress against your plan over time

The Service is intended for personal, non-commercial use by individuals managing their own finances.

Specifically, you acknowledge and agree that:

• We are not a regulated financial entity. SnowballPay is not a bank, credit union, financial institution, mortgage lender, broker-dealer, investment adviser registered with the SEC or any state, credit counseling agency, or debt management company. We are not regulated by the CFPB, FINRA, the SEC, or any equivalent regulatory body.
• Projections are estimates, not guarantees. Debt payoff timelines, interest savings estimates, and debt-free dates are mathematical projections based on the data you enter. They assume consistent payments and static interest rates. Actual outcomes will vary based on your payment behavior, interest rate changes, additional charges, and other factors outside our control.
• AI recommendations are suggestions only. Recommendations generated by our AI are based on patterns in the data you provide. They are not tailored professional advice and may not account for your complete financial picture, tax situation, legal circumstances, or personal goals. You should not make significant financial decisions based solely on AI-generated output.
• Consult a professional for important decisions. Before making major financial decisions — including refinancing debt, consolidating loans, or making significant changes to your financial situation — we strongly encourage you to consult a qualified financial advisor, credit counselor, accountant, or attorney.
• We do not verify your data. We present calculations based on the information you enter. We do not verify the accuracy of your inputs or your creditworthiness.

To use the Service, you must:

• Be at least 18 years of age (or the age of legal majority in your jurisdiction)
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Service under applicable law

By using the Service, you represent and warrant that you meet all of the above requirements.

You must create an account to use the Service. Accounts are created through Google login via Auth0. By registering, you agree to:

• Provide accurate and truthful information
• Keep your login credentials (Google account and any session tokens) secure and confidential
• Notify us immediately at support@getsnowballpay.com if you believe your account has been compromised
• Accept responsibility for all activity that occurs under your account

You may only create one account per person. Creating accounts on behalf of others, or sharing account access, is not permitted.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

• Use the Service for any purpose other than personal financial planning
• Upload documents that do not belong to you or for which you do not have the right to share
• Upload files containing malicious code, malware, or content designed to interfere with the Service or its infrastructure
• Attempt to gain unauthorized access to any other user's account or data
• Attempt to reverse engineer, decompile, scrape, or extract source code or data from the Service
• Probe, scan, or test the vulnerability of the Service without our prior written consent
• Interfere with or disrupt the integrity or performance of the Service or its infrastructure
• Use automated bots, scripts, or tools to access the Service in ways not intended by its design
• Violate any applicable local, state, national, or international law or regulation
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

We reserve the right to investigate potential violations and to suspend or terminate accounts that engage in prohibited conduct, without prior notice.

6.1 Ownership

You retain all ownership rights to the financial data and documents you enter or upload to the Service (“Your Content”). We do not claim any ownership over your financial information.

6.2 License to Us

By entering or uploading content to the Service, you grant us a limited, non-exclusive, royalty-free license to process, store, and use Your Content solely for the purpose of providing the Service to you. This license terminates when you delete your content or your account, subject to backup retention periods described in our Privacy Policy.

6.3 Your Responsibility for Your Data

You are solely responsible for the accuracy of the data you enter and the documents you upload. Ensure you have the right to share any documents you upload. Do not upload documents containing other people's personal information without their consent.

6.4 Sensitive Document Guidance

When uploading financial documents for AI-powered extraction, those files are transmitted to our AI provider (Anthropic). Please review the Privacy Policy for how this data is handled. We recommend redacting or obscuring full account numbers, Social Security Numbers, and other highly sensitive data that is not necessary for debt payoff planning before uploading.

SnowballPay uses artificial intelligence — specifically, the Anthropic Claude API — to:

• Extract financial data from documents you upload
• Generate personalized debt payoff recommendations

You acknowledge and agree to the following regarding AI-generated content:

• Potential for errors: AI models can make mistakes. Extracted data from uploaded documents may be incomplete, inaccurate, or misclassified. Always review extracted data for accuracy before using it in your plan.
• Not personalized professional advice: AI recommendations are generated based on patterns and general principles. They do not account for your complete financial situation, risk tolerance, or personal circumstances. They are suggestions to consider, not directives to follow.
• No guarantee of outcomes: Following AI-generated suggestions does not guarantee any particular financial outcome. Results depend entirely on your individual circumstances and actions.
• AI output may be cached: Recommendations are cached and reused until your underlying financial data changes significantly. Cached recommendations may not reflect very recent changes to your situation.
• Third-party AI provider: AI features are powered by Anthropic's Claude models. Availability of AI features depends on Anthropic's service availability. SnowballPay is not responsible for Anthropic outages or API changes.

The Service, including its design, user interface, algorithms, code, logos, and all content we create (excluding Your Content), is owned by SnowballPay and protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use. This license does not include the right to:

• Copy, reproduce, or distribute any part of the Service
• Create derivative works based on the Service
• Use our trademarks, logos, or brand elements without prior written permission

The Service relies on third-party services including Auth0, Neon, Vercel, and Anthropic. Your use of the Service is also subject to the terms and policies of these providers. We are not responsible for the actions, privacy practices, or service availability of these third parties.

Links within the Service to external websites are provided for convenience only. We do not endorse and are not responsible for any external websites or their content.

SnowballPay is currently provided free of charge. We reserve the right to introduce paid plans, features, or subscriptions in the future. If we do:

• We will provide at least 30 days' advance notice of any pricing changes that affect your current access
• Any free features that existed at the time you created your account will be described in a clear transition policy
• All pricing and payment terms applicable to paid plans will be presented clearly before any purchase is required

11.1 Termination by You

You may stop using the Service at any time. To permanently delete your account and all associated data, contact us at support@getsnowballpay.com. We will process account deletion requests within 30 days.

11.2 Termination by Us

We reserve the right to suspend or terminate your account at any time, with or without notice, if we reasonably believe:

• You have violated these Terms or our Acceptable Use Policy
• Your use poses a security risk to the Service or other users
• We are required to do so by law or legal process

Where feasible and permitted by law, we will provide you with notice and an opportunity to remedy a violation before termination. Terminations for serious violations (fraud, security attacks) may occur without prior notice.

11.3 Effect of Termination

Upon termination of your account:

• Your access to the Service will immediately cease
• Your data will be deleted in accordance with our Privacy Policy's data retention schedule (within 30 days from production databases)
• Sections of these Terms that by their nature should survive termination will continue to apply, including Sections 2 (No Financial Advice), 8 (Intellectual Property), 12 (Disclaimers), 13 (Limitation of Liability), and 15 (Governing Law)

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

Aggregate Liability Cap: In no event will our total aggregate liability to you for all claims arising out of or relating to the Service exceed the greater of: (a) the amount you paid us in the 12 months preceding the claim, or (b) $50 USD.

Some jurisdictions do not allow limitations on liability for certain types of damages, so some of these limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to defend, indemnify, and hold harmless SnowballPay and its officers, employees, agents, and partners from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and legal fees arising out of or relating to:

• Your violation of these Terms
• Your use of the Service in a manner not authorized by these Terms
• Any content you upload or submit to the Service
• Your violation of any third party's rights, including privacy rights
• Your violation of any applicable law or regulation

15.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of [Your State], United States, without regard to its conflict of law provisions. If you are a consumer resident in the European Union, you may also benefit from any mandatory protections provided by the laws of your country of residence that cannot be derogated from by agreement.

15.2 Informal Resolution

Before initiating formal legal proceedings, we both agree to attempt to resolve disputes informally. Contact us at support@getsnowballpay.com with a description of your dispute. We will work in good faith to resolve the issue within 30 days.

15.3 Disputes

If informal resolution fails, any dispute arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts located in [Your State], and you consent to personal jurisdiction in such courts.

Exception for EU/EEA Users: If you are a consumer resident in the EU or EEA, you may also submit a dispute through the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

15.4 Class Action Waiver

To the extent permitted by applicable law, you agree to resolve disputes with SnowballPay on an individual basis only, and not as a plaintiff or class member in any purported class, collective, or representative action. This waiver does not apply to users in jurisdictions where class action waivers are prohibited.

We may modify these Terms at any time. When we make material changes, we will:

• Update the “Last updated” date at the top of this page
• Notify you by email at least 14 days before changes take effect (or 30 days for changes that materially affect your rights)
• Where required by law, obtain your consent before the changes apply to you

Continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms. If you disagree with any changes, you should stop using the Service and delete your account.

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and SnowballPay regarding your use of the Service and supersede all prior agreements.

17.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

17.3 No Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision. A waiver will only be effective if made in writing and signed by an authorized representative of SnowballPay.

17.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms at any time without notice, including in connection with a merger, acquisition, or sale of assets. These Terms will be binding on any assignee.

17.5 Force Majeure

We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, internet or infrastructure outages, or third-party service provider failures (including Auth0, Neon, Vercel, or Anthropic outages).

17.6 Contact Information

For questions about these Terms, contact us: