Terms of Service

1. Who We Are

Dang! Payoff is self-directed debt-tracking and payoff-planning software offered by Dang Apps LLC ("Dang," "we," "us," "our"). You enter your own information, choose a payoff method and payment amounts, and decide what actions to take. The Service records your entries, performs calculations, and displays estimates and progress based on your choices.

2. Eligibility

You may use the Service only if you are at least 18 years old, are a resident of the United States, and can lawfully enter a binding agreement. By affirmatively accepting these Terms, you represent that you meet these eligibility requirements.

3. What Dang! Payoff Is — and Is Not

Dang! Payoff is a software product, not a financial advisor, credit counselor, debt-management or debt-relief company, law firm, lender, or credit-repair organization. Specifically, the Service does not:

• take control of your money or debts;
• make payments or move funds;
• contact creditors or collection agencies;
• negotiate, settle, modify, or discharge debts;
• retrieve, review, or dispute credit reports or credit-report entries;
• guarantee any effect on your credit score; or
• act as your representative for any purpose.

You choose which information to enter, which planning method to use, and whether to act on any calculation or estimate. Using the Service does not create an advisory, fiduciary, or professional relationship.

4. Estimates and Projections

Payoff dates, interest amounts, comparisons between strategies, and other results are estimates calculated from the balances, APRs, minimum payments, timing, and amounts you enter and the method you select. Your creditors' calculation methods, fees, compounding, posting dates, and later changes can produce different results. Your creditor statements and agreements control. You are responsible for verifying payment amounts and deadlines with each creditor and for the accuracy of the information you enter.

5. Your Account

You are responsible for your account credentials and activity under your account. Keep your email current — it is how we deliver receipts, renewal reminders, and legal notices. You may request account deletion in Account → Privacy & data. When you request deletion, we schedule it to complete seven days later and you can cancel the request during that window. When deletion completes, the workflow removes your account and plan data from active production systems, subject to the limited backup, security, billing, tax, legal, and fraud-prevention retention described in the Privacy Notice.

6. Subscriptions, Trial, and Billing

6.1 Plans

Monthly ($2.99/month) and annual ($19.99/year) subscriptions begin with a 7-day free trial unless checkout clearly states otherwise. The Lifetime plan ($39) is an immediate one-time purchase, does not include an automatically converting trial, and does not renew. Displayed prices may not include applicable taxes. Any tax charged will be shown before you complete checkout. We may change prices for future purchases or renewal periods. A change does not affect an already-paid period. Before changing the renewal price of an existing subscription, we will give the advance notice required by applicable law and explain how to cancel before the new price takes effect.

6.2 Trial and Auto-Renewal

The trial converts to the paid plan you selected unless you cancel before it ends. We show you the exact first-charge date and amount before you start, and we email you a reminder before the trial converts. Monthly and annual subscriptions renew automatically until you cancel. For annual plans, we email a renewal reminder 30–45 days before each renewal.

6.3 Cancel Anytime, Online

Cancel online in Account → Billing. We process your cancellation immediately, so you will not be charged for another renewal period. If you cancel during a paid period, you keep access through the end of that period. If you cancel during a trial, you will not be charged when the trial ends, and you keep access through the scheduled end of the trial. If you cannot access your account, email support@dangpayoff.com for a cancellation method that does not require account access.

6.4 Refunds

Monthly: no partial-period refunds — cancel anytime and keep access through the period. Annual: full refund of the initial or any renewal annual charge if requested within 14 calendar days after that charge. Lifetime: full refund if requested within 14 calendar days after purchase. Email support@dangpayoff.com. All refund terms are subject to any rights you have under applicable law that cannot be waived.

6.5 "Lifetime"

"Lifetime" means the lifetime of the Dang! Payoff service, not your lifetime: one payment, access for as long as we operate the Service, no recurring charges. If we ever permanently discontinue the Service, we will give lifetime purchasers at least 90 days' notice and the ability to export their data.

6.6 If a Payment Fails or a Subscription Lapses

If a renewal payment fails, we may retry the payment and notify you. If payment remains incomplete, your account enters a read-only state: you can view your dashboard and earned achievement cards and export or delete your data, but planning features pause until an active subscription resumes.

6.7 Payment Processing

Payments are processed by Stripe. We never receive or store your full card number. Stripe's terms and privacy policy apply to the payment itself.

7. License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal use. You may not copy, resell, sublicense, reverse engineer, scrape, disrupt, or use the Service to build a competing product, except where law permits.

8. Your Content

You own the information you enter, including your debt entries, labels, amounts, and notes ("Your Content"). You give us a limited license to host, process, back up, and display Your Content only as necessary to provide, secure, troubleshoot, and support the Service, fulfill your requests, and comply with law. This license ends when Your Content is deleted, except for temporary backup copies and records we must retain as described in the Privacy Notice. We do not sell Your Content, use it for advertising, disclose debt-plan details to advertising platforms, or use it to train AI models.

9. Acceptable Use

Don't use the Service to break the law, infringe others' rights, submit information you have no right to submit, probe or disrupt the Service, or misrepresent the Service's outputs as professional financial or legal advice.

10. Achievement Cards and Sharing

The Service generates achievement cards reflecting your real progress. Sharing them is always your choice. Card designs and branding are ours; the milestones they describe are yours.

11. Privacy

Our Privacy Notice and Cookie & Tracking Notice describe how we handle information. When you accept these Terms, you acknowledge receiving those notices.

12. Intellectual Property

The Service — software, design, brand, card designs, and related materials, excluding Your Content — is owned by Dang Apps LLC and protected by law. No rights are granted except as stated here.

13. Feedback

If you send feedback, we may use it without restriction or compensation. Your Content stays yours.

14. Suspension and Termination

We may suspend or terminate access for material violation of these Terms, security or legal risk, fraud or abuse, or where required by law. Termination ends your license to use the Service. It does not affect cancellation or refund rights that accrued before termination or rights that applicable law does not permit us to waive. You may request export or deletion as described in the Privacy Notice, subject to applicable security, legal, and retention requirements. Accrued payment and refund obligations, the restrictions in Section 7, and Sections 4, 10, 12, 13, and 16–21 survive termination.

15. Changes to the Service or Terms

We may change the Service and these Terms. For material changes we will give notice (in-product or email) and, where the change affects material rights, ask you to accept the updated Terms. If you decline, you can still cancel, export your data, and delete your account.

16. Disclaimers of Warranties

The Service is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement, and do not warrant the Service will be uninterrupted or error-free.

17. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, and our aggregate liability for all claims will not exceed the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) US $100. Nothing in these Terms limits liability that applicable law does not allow to be limited, or waives non-waivable consumer rights.

18. Informal Dispute Resolution

Before filing a formal proceeding, we encourage you to contact legal@dangpayoff.com so both sides can try in good faith to resolve the matter within 30 days. This process does not prevent either side from using small-claims court, seeking urgent relief, or filing in time to preserve a claim or legal deadline.

19. Governing Law and Venue

Florida law governs, without regard to conflict-of-law rules. Disputes belong exclusively to the state or federal courts located in Broward County, Florida, except where applicable law requires otherwise or permits you to use small-claims court.

20. Miscellaneous

These Terms, together with any checkout or order terms you affirmatively accept, are the entire agreement between you and Dang concerning the Service and replace prior agreements about the Service. The Privacy Notice and Cookie & Tracking Notice describe our data practices and are not incorporated as contractual promises except where these Terms expressly say otherwise. If one provision is unenforceable, the remaining provisions remain effective. A failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, reorganization, or sale of substantially all relevant assets.

21. Contact and Notices

Dang Apps LLC · Support: support@dangpayoff.com · Legal: legal@dangpayoff.com · Privacy: privacy@dangpayoff.com · https://dangpayoff.com
Mailing Address: 3206 NE 2nd Ave, Suite 3028, Miami, FL 33137