Terms of Service

By using Clear My Debt / Build My Wealth ("the service"), operated by UBLM UNIVERSAL BODYGUARDING LIFESTYLE MANAGEMENT INC. ("UBLM", "we", "us"), you agree to these draft terms. They will be reviewed by qualified counsel before full launch.

1. What the service is

Clear My Debt is an educational financial self-management tool. It helps you organize information you provide, suggests general strategies, and tracks your progress. It is not a bank, lender, credit bureau, insolvency trustee, law firm, accounting firm, investment adviser, credit-repair company, or government agency.

2. Eligibility

The service is intended for adults, or for users who are legally able to enter into binding agreements in their jurisdiction. By creating an account you confirm that this applies to you.

3. Your account and responsibilities

• Provide accurate information and keep your login credentials private.
• You are responsible for activity under your account.
• You enter data voluntarily and are responsible for its accuracy.
• You remain responsible for every financial decision you make, and for verifying important information with qualified local professionals.
• Never skip contractual debt payments based on anything in this app.

4. Acceptable use

You agree not to:

• Access or attempt to access another user's account or data.
• Probe, scan, or test the security of the service, or interfere with its operation.
• Scrape the service abusively, inject malicious content, or attempt injection attacks.
• Use the service for any unlawful purpose.

5. Estimates, scores, and coach content

The Financial Recovery Score is an internal educational self-assessment metric. It is not a credit score and is never reported to credit bureaus. Payoff timelines, interest estimates, savings projections, and Earn Lab income or time-to-first-sale ranges are estimates only, never guarantees. Coach responses may be generated by automated systems including AI when enabled, and can be inaccurate; verify important financial, legal, and tax decisions independently.

6. Paid tiers and cancellation

Payments are processed by Paddle, our third-party payment provider; we never see or store your card details. Paid features unlock only after a confirmed payment.

• Monthly Member (USD $4.99/month) renews each month until you cancel. You can cancel anytime from Settings, then Manage billing, which opens the secure Paddle customer portal. Cancellation stops future renewals; you keep member access until the end of the period you already paid for. Cancelling a subscription does not change the refund-request window described below.
• Founding Member (USD $19) is a one-time early-access payment for lifetime access to the paid features included in the app, plus Founding Member status. It does not renew and there is nothing further to cancel. If a refund approved by Paddle or a finalized chargeback is completed for this purchase, Founding Member access ends; if you also hold an active Monthly Member subscription, that membership continues instead.
• Deleting your account first cancels any active recurring subscription so no further charges can occur.

7. Refund and cancellation policy

Refund requests may be submitted within 14 calendar days of the transaction date. Paddle.com is our Merchant of Record and reviews and processes refund requests in accordance with Paddle's Refund Policy and applicable consumer law. Eligibility for a refund is determined by Paddle under its policy and any mandatory consumer rights that apply in the buyer's jurisdiction. Nothing in this policy limits any statutory consumer rights.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. We never see or store your card details, and approved refunds are returned through Paddle to your original payment method where possible.

To request a refund, use the receipt or manage-subscription link in your Paddle receipt email, contact Paddle Buyer Support at paddle.net, or contact us and we will direct your request to Paddle. Refund requests are reviewed and processed by Paddle in accordance with Paddle's Refund Policy.

Cancellation is separate from a refund request. Monthly Member subscriptions may be cancelled at any time to prevent future renewal; cancellation takes effect at the end of the current paid billing period, and access continues through that paid period. Founding Member is a one-time purchase with no recurring renewal.

See our standalone Refund & Cancellation Policy page for the full policy in one place.

8. Intellectual property and your data

The service, its design, branding, and content (other than your own data) are owned by UBLM UNIVERSAL BODYGUARDING LIFESTYLE MANAGEMENT INC. You retain ownership of the data and content you submit. You grant us only the permissions needed to store, process, and display that data to operate the service for you.

9. Availability

The service is provided during this MVP period on a best-effort basis. Features, availability, and pricing may change, and we do not guarantee uninterrupted operation.

10. Limitation of liability

To the maximum extent permitted by law, the service is provided "as is" without warranties, and we are not liable for financial outcomes resulting from use of the app. Nothing in these terms excludes liability that cannot legally be excluded.