Terms of Service

Countersunk Development Ltd grants you a personal, non-exclusive, non-transferable, revocable licence to use the App on devices you own or control, for your own non-commercial purposes. You may not copy, modify, distribute, sell, reverse-engineer or create derivative works from the App, except where the law allows it.

• Payoff plans, dates, interest and savings are projections based only on the figures you enter and on simplifying assumptions (for example, that rates and payments stay as entered).
• Real interest, fees, charges and dates may differ. Always check balances, rates and terms with your lender before making decisions.
• If you are struggling with debt, free and impartial help is available from services such as MoneyHelper (moneyhelper.org.uk).

The debts, balances, settings and history you enter are stored on your device (see our Privacy Policy). You are responsible for keeping backups. We cannot recover data that is lost when a device is reset, lost or the App is deleted.

We work to make the App's calculations correct, but the App is provided “as is”, without warranties of any kind, to the fullest extent permitted by law.

To the fullest extent permitted by law, Countersunk Development Ltd is not liable for any loss arising from your use of, or reliance on, the App, including financial loss from decisions made using its projections. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under the laws of England and Wales, including liability for death or personal injury caused by negligence, or for fraud.

The App shows ads from Google AdMob and, if you choose, sends anonymous diagnostics to Google Firebase. These services are provided by Google and are subject to Google's own terms and policies. Links to third-party websites are provided for convenience; we are not responsible for their content.

We may update, change or stop providing the App, or any feature of it, at any time. We do not guarantee that the App will always be available or free of errors.

We may update these Terms from time to time. The new version will be published at this address with a new date. Continued use of the App after changes means you accept the updated Terms.

You may stop using the App at any time by deleting it. We may suspend or end your licence to use the App if you breach these Terms.

These Terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction, unless the law where you live gives you the right to bring proceedings there.