Terms of Service

Please read these Terms of Service ("Terms") carefully before using the PayoffPilot mobile application (the "App"). By downloading, installing, or using the App, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using PayoffPilot, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the App.

2. License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App solely for your personal, non-commercial use.

3. License Restrictions

You may NOT:

• Copy, modify, or create derivative works of the App
• Reverse engineer, decompile, or disassemble the App
• Rent, lease, lend, sell, redistribute, or sublicense the App
• Remove, alter, or obscure any proprietary notices
• Use the App for any illegal purpose
• Attempt to gain unauthorized access to any portion of the App
• Use the App to create a competing product or service

4. Ownership

Big Beard Apps LLC owns the intellectual property in the App: copyright in the software, user interface, icons, original copy, and the PayoffPilot name and logos. You receive only the limited license in these Terms, not ownership. The App Store seller name may currently be an individual developer; that listing does not change the LLC’s ownership of the IP and will be updated when the app is transferred to the LLC’s Apple Developer account. These Terms do not grant you trademark rights or a right to copy, scrape, republish, or commercially reuse the App.

5. User Accounts

PayoffPilot does not require account creation. All data is stored locally on your device. You are responsible for maintaining the security of your device and any data stored within the App.

6. User Content and Data

You retain all rights to the financial data you enter into the App ("User Data"). We claim no ownership over your User Data. You are solely responsible for the accuracy of your User Data and any decisions you make based on the App's calculations.

7. Financial Disclaimer

The App is provided for informational and planning purposes only and does not constitute financial, legal, tax, or investment advice. The calculations and recommendations provided by the App are based solely on the information you provide and standard debt payoff methodologies.

You acknowledge that:

• The App's projections are estimates and may not reflect actual outcomes
• Interest rates, payment terms, and other factors may change
• The App does not account for all possible financial circumstances
• We are not liable for any financial decisions you make based on the App

8. No Warranty

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability and fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free operation

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Financial losses resulting from use of the App
• Damages arising from reliance on the App's calculations

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID FOR THE APP.

10. Indemnification

You agree to indemnify and hold harmless PayoffPilot, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any rights of another party

11. Payment and Refunds

If you purchased the App through the Apple App Store:

• Payment will be charged to your iTunes Account at confirmation of purchase
• All sales are final unless otherwise required by law
• Refund requests must be made through the Apple App Store
• We do not control Apple's refund policies

12. Updates and Modifications

We may update the App from time to time to add features, fix bugs, or improve performance. These updates may be required to continue using the App. We may also modify these Terms at any time by posting the updated Terms in the App and on our website. Your continued use after such modifications constitutes acceptance of the updated Terms.

13. Termination

We may terminate or suspend your access to the App immediately, without prior notice, if you breach these Terms. Upon termination:

• Your license to use the App will immediately cease
• You must delete the App from all devices
• All provisions that should survive termination will remain in effect

14. Privacy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

15. Third-Party Services

The App may integrate with Apple iOS features (iCloud, notifications, etc.). Your use of these features is subject to Apple's terms and conditions. We are not responsible for any third-party services.

16. Dispute Resolution

Any dispute arising from these Terms or your use of the App shall be resolved through:

1. Informal negotiation first via email at support@bigbeardapps.com
2. If unresolved, binding arbitration in accordance with the American Arbitration Association
3. You waive any right to participate in a class action lawsuit

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any legal action must be brought in the federal or state courts located in Texas, United States.

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PayoffPilot regarding the App and supersede all prior agreements.

20. Contact Information