Terms of Service

1. Acceptance of Terms

By accessing and using SnapFree, you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use our service.

2. Description of Service

SnapFree is a financial coaching platform that helps you break free from credit card debt. We provide:

• AI-powered debt payoff planning
• Credit card account connection via Plaid
• Payment reminders and notifications
• AI coaching and advice

We do not: Lend money, make payments on your behalf, or provide financial advice that constitutes legal or tax advice.

3. User Responsibilities

You agree to:

• Provide accurate information
• Maintain the security of your account
• Use the service only for lawful purposes
• Not share your account with others
• Make payments to your creditors independently

4. Subscription and Billing

Free Plan: Available at no cost with limited features.

Pro Plan: $9.99/month, billed monthly. You can cancel anytime. Cancellation takes effect at the end of your billing period.

5. AI Coach Fair Use Policy

Pro plan subscribers have access to our AI Coach feature, subject to fair use limits designed to ensure quality service for all users:

• Up to 20 messages per hour
• Up to 100 messages per day
• Up to 1,000 messages per month

These limits are generous for normal use. If you consistently reach these limits, please contact support. Automated or programmatic access to the AI Coach is prohibited.

6. Disclaimers

SnapFree provides educational and informational services only. We do not:

• Guarantee debt payoff results
• Provide legal, tax, or financial advice
• Make payments on your behalf
• Act as a financial advisor or lender

AI Coach Disclaimer: Our AI Coach provides calculations, educational information, and general guidance based on the data you provide. It is not a licensed financial advisor, tax professional, or legal counsel. The AI's suggestions are for informational purposes only and should not be considered professional financial advice. You should consult qualified professionals before making significant financial decisions.

Consult Professionals: For personalized financial, legal, or tax advice, please consult a licensed professional. SnapFree is a tool to help you understand your debt payoff options — the final decisions are yours, and we are not liable for decisions made based on information provided by our service.

7. Limitation of Liability

SnapFree is provided "as is" without warranties. We are not liable for any financial losses, missed payments, or damages resulting from use of our service.

8. Termination

We may suspend or terminate your account if you violate these terms. You may delete your account at any time through your settings.

9. Changes to Terms

We may update these terms from time to time. Continued use of the service constitutes acceptance of updated terms.