Acceptance of terms
By using Snowball Your Debt, you agree to these Terms and Disclaimer. If you do not agree, do not use the site.
Educational planning only
Snowball Your Debt provides budgeting, debt payoff, and paycheck-planning tools and educational content. The site is designed to help you organize information and think through possible next steps.
The site does not provide individualized financial advice, legal advice, tax advice, credit counseling, debt settlement, loan servicing, or professional financial planning services.
No guarantees
Debt payoff results depend on your income, expenses, creditor terms, interest rates, fees, payment timing, account status, and personal choices. Snowball Your Debt does not guarantee that you will pay off debt, save money, avoid interest, improve credit, or reach any specific financial result.
User responsibility
You are responsible for verifying all bills, due dates, balances, payment amounts, interest rates, creditor rules, account terms, and payment instructions before making financial decisions.
- Keep making required payments directly through your creditors, servicers, or billers.
- Confirm payment dates and account status with the official provider.
- Use your own judgment before changing autopay, payment amounts, or debt payoff order.
- Talk with a qualified professional when you need financial, legal, tax, credit, or debt advice.
What the site does not do
Snowball Your Debt does not pay bills, move money, access bank accounts, negotiate with creditors, open financial products, issue loans, or make payments on your behalf.
Account and data accuracy
If you create an account, you are responsible for keeping your login information secure and for entering accurate planning information. The dashboard is only as accurate as the information you provide.
Do not enter passwords, full account numbers, Social Security numbers, or other unnecessary sensitive information into bill names, notes, or planning fields.
Calculators and examples
Calculators, examples, payoff strategies, and article illustrations are estimates or educational explanations. They may not account for every fee, compounding method, billing cycle, grace period, promotional term, creditor rule, or change in your financial situation.
Affiliate and referral disclosure
Some pages may include affiliate or referral links. Snowball Your Debt may earn a commission, bonus, or other compensation when you click certain links, apply for offers, or make purchases.
As an Amazon Associate, Snowball Your Debt earns from qualifying purchases. Affiliate compensation should not be treated as a recommendation to buy something you do not need or cannot afford.
Third-party links and offers
Snowball Your Debt may link to third-party websites, products, services, financial institutions, government resources, or educational materials. Third-party sites have their own terms, privacy policies, prices, rates, eligibility rules, and disclosures.
Always review current terms directly with the third party before applying, purchasing, or relying on an offer.
Acceptable use
You agree not to misuse the site, interfere with its operation, attempt unauthorized access, upload harmful code, or use the site for unlawful purposes.
Limitation of liability
Snowball Your Debt is provided on an as-is and as-available basis. To the fullest extent permitted by law, Snowball Your Debt is not responsible for financial losses, missed payments, inaccurate user-entered data, third-party actions, service interruptions, or decisions made based on site content.
Changes to these terms
These terms may be updated from time to time. When they change, the updated date on this page will be revised.
Contact
If you have questions about these terms, use the contact method provided by Snowball Your Debt where available.