Terms of use

Using NoahDebt

These terms apply when you use NoahDebt, including the public demo and the features you use when logged in. Use the service only if you can enter into a binding agreement where you live. If you do not agree to these terms, do not use the service.

Educational tool only

NoahDebt helps you track cash, debts, and possible next steps. It is educational budgeting software, not a bank, lender, fiduciary, CPA, attorney, or licensed financial advisor. Its calculations and AI responses are not personalized professional advice.

For decisions requiring financial, legal, or tax advice, consult a qualified professional who understands your circumstances.

You move the money

NoahDebt does not initiate bank transfers or pay creditors. You are responsible for payments, due dates, transfers, and decisions made using the service. No payoff date, interest saving, credit improvement, or other outcome is guaranteed.

Check the numbers and AI answers

Balances, rates, transactions, and estimates depend on information you enter, import, or sync. Information can lag or be wrong, and estimates may not reflect all fees, interest calculations, or future changes. Check statements and creditor terms before acting.

Ask Noah uses AI and can give incorrect or incomplete answers. Public demos use fictional sample numbers. Verify answers and do not treat a demo response as an assessment of your own finances.

Your account and acceptable use

Provide accurate account information, protect your password, and use only accounts and financial information you are authorized to access. Be careful when inviting people to share a household. Contact us if you suspect unauthorized access.

Do not use NoahDebt for unlawful activity, upload harmful content, attempt to access someone else's data, bypass access controls or usage limits, or disrupt the service. We may restrict access to address misuse or protect the service and its users.

Connections, data, and privacy

Bank connections, which come with Pro after beta, and other built in features depend on outside providers and may be delayed or unavailable. Those providers may have their own terms. Keep your own records of accounts and obligations.

Our Privacy policy explains how we handle data, including how AI processes chats and when our team reviews chat logs. Avoid sharing unnecessary sensitive information in chats or support messages.

Access and availability

NoahDebt is a private, invite only beta, and you can join only with an invitation. We may change, pause, or discontinue features, and the service may contain errors or experience interruptions. Do not rely on NoahDebt as your only record or as an emergency service.

Service limitations

To the extent permitted by applicable law, the service is provided as available with no promise that it will always run or be free of errors. NoahDebt and its operators are not liable for losses arising from decisions you make using the app, including payments, transfers, or payoff strategies. These terms do not exclude rights or liabilities that cannot legally be excluded.

Changes and contact

We may update these terms as the service changes and will revise the date above. Questions about these terms or help with your account? Use the contact form or email hello@noahdebt.com.