Terms of Service
Effective date: June 5, 2026
Last updated: June 5, 2026
These Terms of Service ("Terms") are a binding agreement between you and Payoff Money, Inc., a Delaware corporation ("Payoff Money," "we," "us," or "our"), governing your access to and use of the Payoff Money website, applications, and related services (together, the "Service"). Please read them carefully. By creating an account, or by accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. Who can use the Service
You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for personal, non-commercial budgeting use. By using the Service, you represent that you meet these requirements and that the information you provide is accurate and complete.
2. What Payoff Money is — and is not
Payoff Money is a personal budgeting tool that helps you record and organize financial information you enter yourself, such as accounts, balances, bills, income, transactions, and loans, and project them forward over time.
Payoff Money is not a bank, lender, money transmitter, or financial institution, and it does not move, hold, or have custody of your money. The figures shown in the Service are estimates and projections based on the data you enter. They are provided for informational purposes only.
3. Not financial, tax, legal, or investment advice
The Service does not provide financial, tax, legal, accounting, or investment advice, and nothing in the Service should be relied upon as such. You are solely responsible for your financial decisions. Consider consulting a qualified professional before making decisions based on information in the Service. We do not guarantee any particular financial outcome.
4. Your account
To use most features you must create an account using an email address and password or a mobile phone number with one-time-code (SMS) verification. You are responsible for:
- Providing accurate registration information and keeping it current;
- Maintaining the confidentiality of your credentials and any verification codes; and
- All activity that occurs under your account.
Notify us promptly at the contact address below if you suspect unauthorized use of your account. We are not liable for losses arising from your failure to safeguard your credentials.
5. Your content and data
As between you and us, you retain all rights to the financial and personal information you submit to the Service ("Your Content"). You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display Your Content solely to operate, secure, maintain, and improve the Service and to provide it to you. This license ends when Your Content is deleted, except for residual copies retained in routine backups for a limited period or as required by law.
You are responsible for the accuracy, quality, and legality of Your Content and for your right to submit it.
6. Acceptable use
You agree not to:
- Use the Service in violation of any applicable law or regulation;
- Access or attempt to access another user's account or data;
- Probe, scan, or test the vulnerability of the Service, or breach or circumvent any security or authentication measures;
- Interfere with or disrupt the integrity or performance of the Service;
- Introduce malware or other harmful code;
- Reverse engineer, decompile, or attempt to extract source code, except to the extent this restriction is prohibited by law;
- Use automated means to scrape, copy, or harvest data from the Service without our prior written consent; or
- Resell, sublicense, or commercially exploit the Service without our authorization.
We may suspend or terminate access for conduct that violates these Terms.
7. Text (SMS) messages
If you choose phone-based sign-up or otherwise opt in, you consent to receive text messages from us, including a one-time passcode for account verification and any account-related or alert messages you enable. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of further messages and HELP for help. Opting out of texts may prevent you from using phone-based sign-in. Carriers are not liable for delayed or undelivered messages. We keep a record of the consent you provide, including the disclosure shown to you and the date and time. See our Privacy Policy for details.
8. Paid plans and billing
The Service may be offered free of charge and may also offer optional paid plans. If you purchase a paid plan, you authorize us and our payment processor to charge the applicable fees and any taxes to your payment method on the billing cycle you select. Unless otherwise stated or required by law, fees are non-refundable, paid plans renew automatically until cancelled, and we may change pricing on prospective notice. You may cancel at any time, effective at the end of the current billing period.
9. Third-party services
The Service relies on third-party providers (for example, for hosting, database and authentication, error monitoring, and SMS delivery) and may link to third-party websites or services. We are not responsible for third-party services or content, and your use of them is governed by their own terms and policies.
10. Intellectual property
The Service, including its software, design, text, graphics, and logos (but excluding Your Content), is owned by Payoff Money or its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal use. We reserve all rights not expressly granted.
11. Beta and changes to the Service
The Service is under active development and may be offered on a pre-release or "beta" basis. We may add, modify, suspend, or discontinue features at any time. We may also impose limits on certain features or restrict access to parts of the Service without notice or liability.
12. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE DATA OR PROJECTIONS IT PRODUCES WILL BE ACCURATE OR RELIABLE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAYOFF MONEY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
14. Indemnification
You agree to indemnify and hold harmless Payoff Money and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your Content, your use of the Service, or your violation of these Terms or applicable law.
15. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or if we discontinue the Service. Upon termination, your right to use the Service ends. Sections that by their nature should survive termination (including ownership, disclaimers, limitation of liability, indemnification, and governing law) will survive.
16. Governing law and disputes
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Subject to the arbitration provision below, you and we agree to the exclusive jurisdiction of the state and federal courts located in Delaware for any dispute not subject to arbitration, and you consent to personal jurisdiction there.
Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by contacting us at the address below and allowing 30 days to reach a resolution.
Arbitration and class-action waiver. Any dispute that is not resolved informally shall be resolved by binding individual arbitration rather than in court, and you and we waive any right to a jury trial or to participate in a class action, except that either party may bring an individual claim in small-claims court. You may opt out of arbitration within 30 days of first accepting these Terms by notifying us at the contact address below.
17. Changes to these Terms
We may update these Terms from time to time. If we make material changes, we will provide notice (for example, by posting the updated Terms with a new effective date or by notifying you in the Service). Your continued use of the Service after the changes take effect constitutes acceptance of the revised Terms.
18. General
These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our 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, or sale of assets. Nothing in these Terms creates any agency, partnership, or joint venture.
19. Contact
Payoff Money, Inc.
Email: support@payoffmoney.com
Toll-free: (844) 524-7628