Legal

Terms of use

The basics of using DebtShield, and an important educational disclaimer.

Draft for discussion. This is a plain-English draft. It has not yet been reviewed by an attorney and is not final legal text.

Using DebtShield

DebtShield is provided for personal, educational use. You're responsible for the numbers you enter and the decisions you make. The app is provided “as is,” without warranties, and we don't guarantee it will be error-free or available at all times.

Educational disclaimer

DebtShield provides educational information only. It is not financial, investment, legal, tax, credit, housing, or bankruptcy advice, and it is not a substitute for a qualified professional. Its thresholds are documented heuristics, not universal facts, and its year-ahead figures are projections, not predictions or guarantees. DebtShield does not promise to prevent debt, eviction, bankruptcy, or any financial harm. For decisions that matter, consult a qualified professional; for free help, see our help resources.

Not an emergency service

DebtShield is not an emergency or crisis service. If you are in immediate danger, contact local emergency services. For financial hardship, dial 211; for mental-health support, dial or text 988 (US).

Content & data

Comparison data comes from U.S. public sources (Census, EIA, BLS) and is in the public domain. The DebtShield name, app, and site content are the property of their respective owners.

Changes

These terms may be updated; the current version will appear here. A contact address will be listed once available.