By downloading or using Debt Payoff Planner: Snowman (“the app”, “Snowman”), you agree to these terms. If you do not agree, do not use the app.
The app is intended for users 13 and older.
We grant you a personal, non-exclusive, non-transferable, revocable license to use the app for personal, non-commercial purposes.
Snowman helps you record debts and plan payoff strategies such as the snowball and avalanche methods. Payoff dates, interest amounts, and savings shown in the app are estimates based on the information you enter and on simplified assumptions (for example, fixed interest rates and on-time payments); your actual balances, interest, and payoff timeline may differ, and the app does not guarantee that you will pay off any debt by any particular date. The app does not move money, make or process payments, or connect to your bank, lenders, or credit accounts, and it does not provide debt relief, credit repair, consolidation, or refinancing services. Nothing in the app is financial, tax, or legal advice; for decisions about your debts, consider consulting a qualified professional. You remain responsible for your debts, payments, and any fees or consequences of missed or late payments.
The app is free to download and use, supported by ads. An optional one-time purchase, Snowman Pro, removes ads and unlocks expanded planning features. Snowman Pro is a single, non-recurring payment — there is no subscription and no recurring charge. Core debt tracking, extra payments, and plan comparison are free for everyone.
Payment is processed by Google Play or Apple’s App Store through your store account, and the price is shown in the store before you buy (prices may vary by region). If you reinstall the app or move to a new device, your purchase can be restored through the same store account at no additional cost (use “Restore Purchases” in the app). Refunds are handled by the store under its terms — for Google Play via Google Play support, and for the App Store via reportaproblem.apple.com. We are not able to issue store refunds directly.
The app is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, uninterrupted use, or fitness for a particular purpose.
To the maximum extent permitted by law, Gameplay Labs LLC is not liable for any indirect, incidental, or consequential damages arising from your use of the app.
The app may display third-party ads (e.g., Google AdMob). We are not responsible for advertiser content or the products and services advertised.
We may update these terms; continued use after changes means you accept them.
These terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-law principles. Nothing in these terms affects mandatory consumer protections under the laws of your country of residence.