Terms of Use
Plain-English summary: DebtSweep is a personal-finance tool, not financial advice. You're responsible for the numbers you put in and the decisions you make from them. We do our best to keep the app working; we can't promise it's perfect.
Apple's standard EULA applies first. By installing DebtSweep from the App Store, you agree to Apple's Standard End User License Agreement. The terms below sit on top of it and only apply where they don't conflict.
1. What DebtSweep is
DebtSweep ("the app") is an iOS app published by Dwayne Riner, Inc. ("we," "us") that helps you manage a personal cash-envelope budget and track debt payoff. The app stores your data on your device with optional iCloud sync. It does not connect to financial institutions and does not initiate any payments on your behalf.
2. Not financial advice
DebtSweep is a tool. The numbers it shows you — projections, debt-free dates, balances, totals — depend entirely on the data you enter. The app does not provide financial, legal, accounting, or tax advice and is not a substitute for a licensed professional. Decisions you make based on what DebtSweep displays are your own.
3. Your responsibilities
- Enter accurate data. The app's projections only mean something if your envelopes, balances, and APRs reflect reality.
- Keep your iCloud account secure. If your Apple ID is compromised, your synced data is too.
- Back up data you can't afford to lose. iCloud sync is a sync, not a backup; deleting in one place can delete everywhere.
- Use the app for lawful, personal purposes.
4. License
We grant you a personal, non-transferable license to use DebtSweep on Apple devices you own or control, in accordance with Apple's EULA. You may not reverse engineer, redistribute, or resell the app, except as Apple's EULA permits.
5. Purchase and refunds
DebtSweep is sold through the App Store as a one-time purchase. Apple processes the transaction and handles refund requests under their App Store policies. We do not process payments and cannot issue refunds directly. To request a refund, see reportaproblem.apple.com.
6. iCloud sync and data
If you enable iCloud, your DebtSweep data is stored in your private CloudKit database under your Apple ID. We don't have access. If iCloud is unavailable, your data stays local. Apple's terms govern the iCloud service itself.
7. Updates and availability
We may release updates that add, change, or remove features. We aim to keep the app working on currently-supported versions of iOS, but we don't guarantee uninterrupted availability. We may discontinue the app, in which case existing installs continue to work to the extent the underlying iOS APIs still support them.
8. Disclaimer of warranties
The app is provided "as is" and "as available," without warranty of any kind, express or implied — including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the app will be error-free or that any defect will be corrected.
9. Limitation of liability
To the maximum extent permitted by law, Dwayne Riner, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, or goodwill arising out of or related to your use of the app, even if advised of the possibility of such damages. Our total liability for any claim relating to the app is limited to the amount you paid for the app in the App Store.
10. Governing law
These terms are governed by the laws of the State of Texas, USA, without regard to conflict-of-law principles. Disputes are subject to the exclusive jurisdiction of the courts located in Texas, except as Apple's terms or your local consumer-protection law require otherwise.
11. Changes to these terms
If these terms change, the "Last updated" date at the top will change too. Material changes will also be noted in the app's release notes. Continuing to use the app after a change means you accept the updated terms.
12. Contact
Questions about these terms? Email support@dwayneriner.com.