Legal

Terms of Use

Last updated: July 9, 2026

These Terms of Use (“Terms”) govern your use of the Debt Snowball Calculator Snolo mobile application (“the app”), published by DevOrbitLabs (“we”, “us”, “our”). By downloading or using the app, you agree to these Terms. If you do not agree, please do not use the app.

1. The app

Debt Snowball Calculator Snolo is a personal debt-payoff planning and tracking tool. It helps you organize your debts, model payoff strategies (such as Debt Snowball and Debt Avalanche), simulate the impact of extra payments, and track your progress. The app works with the information you enter yourself.

2. Estimates & accuracy

Payoff dates, interest totals, and savings shown in the app are calculated projections. Actual results depend on your real interest rates, fees, payment timing, and lender terms, which may differ. We do not guarantee that any projected outcome will be achieved.

3. Your responsibilities

• You are responsible for the accuracy of the information you enter.
• You are responsible for making actual payments to your lenders — the app does not move money or pay debts on your behalf.
• You agree to use the app only for lawful, personal purposes.

4. Subscriptions & purchases

Debt Snowball Calculator Snolo offers an optional auto-renewable subscription that unlocks premium features. The following terms apply:

• Payment is charged to your Apple ID account at confirmation of purchase.
• Unless auto-renew is turned off at least 24 hours before the end of the current period, your subscription automatically renews, and your account is charged for renewal within 24 hours before the end of the current period.
• You can manage or cancel your subscription, and turn off auto-renew, at any time in your App Store account settings.
• If a free trial is offered, any unused portion is forfeited when you purchase a subscription, where applicable.
• Current pricing and options are shown in the app and on the App Store at the time of purchase, and may vary by region.

All purchases are processed by Apple and are subject to the Apple Standard End User License Agreement (EULA) and Apple's terms. Refunds are handled by Apple in accordance with App Store policies.

5. Intellectual property

The app, its design, and its content are owned by DevOrbitLabs and protected by applicable laws. We grant you a personal, non-exclusive, non-transferable, revocable license to use the app on Apple devices you own or control, subject to these Terms and the Apple Standard EULA. You may not copy, modify, reverse-engineer, or redistribute the app except as permitted by law.

6. Disclaimer of warranties

The app is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the app will be uninterrupted, error-free, or that projections will be accurate.

7. Limitation of liability

To the maximum extent permitted by law, DevOrbitLabs shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or savings, arising from or related to your use of (or inability to use) the app, even if advised of the possibility of such damages.

8. Third-party services

The app relies on third-party services (including Apple iCloud, Mixpanel, and RevenueCat) as described in our Privacy Policy. Your use of those services may also be governed by their own terms.

9. Changes to these Terms

We may update these Terms from time to time. Continued use of the app after changes take effect constitutes acceptance of the revised Terms. We will update the “Last updated” date above when we make changes.

10. Termination

You may stop using the app at any time by deleting it. We may suspend or terminate access if you violate these Terms or misuse the app.

11. Governing law

These Terms are governed by the laws applicable to DevOrbitLabs, without regard to conflict-of-law principles, and subject to any mandatory consumer-protection rights in your country of residence.

12. Contact

Questions about these Terms? Contact us at halimozturk@windowslive.com.