Terms of Service
Last updated: April 8, 2026
1. Agreement to Terms
By accessing or using CupDebt ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not access or use the Service. The Service is intended for use by businesses and their authorized representatives.
2. Description of Service
CupDebt provides a cloud-based debt schedule management platform that enables businesses to track loans, manage payment schedules, generate reports, simulate loan scenarios, and integrate with third-party accounting software. The Service is provided on a subscription basis.
3. User Accounts
You must create an account to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update such information as needed. You must notify us immediately of any unauthorized use of your account.
4. Acceptable Use
You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to gain unauthorized access to any part of the Service; (c) interfere with or disrupt the Service or its infrastructure; (d) upload malicious code or content; (e) use the Service to store or transmit material that infringes on third-party rights; or (f) resell or redistribute the Service without our written consent.
5. Data and Privacy
Your use of the Service is also governed by our Privacy Policy. You retain ownership of all data you submit to the Service. We will not share your data with third parties except as described in our Privacy Policy or as required by law. We implement industry-standard security measures including encryption and row-level data isolation.
6. Third-Party Integrations
The Service may integrate with third-party applications such as QuickBooks Online. Your use of third-party integrations is subject to the terms and policies of those third parties. We are not responsible for the availability, accuracy, or reliability of third-party services. You authorize us to access your third-party accounts solely for the purpose of providing the Service.
7. Financial Calculations
The Service provides loan amortization calculations, interest rate estimates, and debt schedule reports for informational purposes. While we strive for accuracy using standard banking conventions (30/360 day-count), these calculations should not be considered financial advice. You should verify all calculations with your financial advisor or lender before making financial decisions.
8. Service Availability
We strive to maintain high availability but do not guarantee uninterrupted access to the Service. We may perform scheduled maintenance, updates, or modifications that temporarily affect availability. We will make reasonable efforts to provide advance notice of planned downtime.
9. Limitation of Liability
To the maximum extent permitted by law, CupDebt and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service, including but not limited to loss of profits, data, or business opportunities.
10. Termination
Either party may terminate this agreement at any time. Upon termination, your right to access the Service will cease immediately. We will make your data available for export for a reasonable period following termination. We reserve the right to suspend or terminate accounts that violate these terms.
11. Changes to Terms
We may update these Terms of Service from time to time. We will notify you of material changes by posting the updated terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new terms.
12. Contact
If you have questions about these Terms of Service, please contact us through the application or at the contact information provided in your account settings.