Financial Information Disclaimer

Educational content only

Everything in Clear My Debt, including the coach, recovery modes, scores, strategies, allocation suggestions, and Earn Lab ideas, is general financial education and self-management tooling. It is not legal, tax, investment, insolvency, or individualized financial advice, and it does not consider your full personal circumstances.

No professional relationship

Using Clear My Debt does not create an advisor, fiduciary, attorney, or counselor relationship. For decisions about your specific situation, consult a qualified professional in your country.

Debt payments come first

Clear My Debt never recommends skipping contractual minimum debt payments in order to invest, gamble, speculate, or take on more debt. If anything in the app appears to conflict with a contractual obligation, the contract and a qualified professional's guidance win.

Estimates, not promises

The Financial Recovery Score is an internal educational self-assessment, not a credit score, and it is never reported to credit bureaus. Payoff timelines, interest estimates, savings projections, income ideas, and "time to first sale" labels are qualitative estimates, never guarantees. Investing involves risk, including possible loss of money. Never borrow money, or skip a contractual obligation, in order to invest.

Automated coach content

Coach replies may be generated by automated systems, including AI, when enabled. They can be inaccurate or incomplete. Verify important financial, legal, and tax decisions with a qualified professional before acting.

Laws vary by country

Debt collection rules, hardship programs, insolvency options, taxes, and investment products differ by jurisdiction. Always verify what applies where you live.

Urgent situations

If you are facing legal action, insolvency, utility shutoff, eviction, or a similar urgent situation, please contact a qualified local professional, a free debt-advice charity, or community legal aid in your country as soon as possible.