Terms of Use

About LayaWise

LayaWise is a personal debt management and planning tool designed to help you organize debts, track payments, set reminders, and better understand your payment options.

LayaWise does not provide loans, credit, banking services, or other financial products.

Not Financial Advice

Information, calculations, recommendations, and suggestions provided by LayaWise are for informational and planning purposes only.

They should not be considered financial, legal, accounting, or professional advice.

You remain responsible for your financial decisions and for verifying amounts, interest rates, payment schedules, penalties, and other information with your lender or creditor.

Calculations and Estimates

LayaWise may provide calculators, payment estimates, debt strategies, reminders, and other planning tools.

While we aim to provide accurate calculations, we cannot guarantee that every result will match the calculations used by your lender or creditor.

Your Information

You are responsible for the accuracy of the information you enter into LayaWise.

Incorrect or incomplete information may result in inaccurate calculations, reminders, or suggestions.

Payment Reminders

Payment reminders are provided as a convenience.

LayaWise does not guarantee that notifications will always be delivered because notifications may be affected by your device settings, battery optimization, operating system, or other technical conditions.

You remain responsible for making payments on time.

Premium Features

Some LayaWise features may require a one-time purchase or other payment through the applicable app store.

Purchases are processed by the platform where you obtained LayaWise, such as Google Play. Refunds and payment-related matters may also be subject to that platform's policies.

Acceptable Use

You may use LayaWise only for lawful personal purposes.

You may not attempt to damage, reverse engineer, misuse, interfere with, or gain unauthorized access to the app or its systems.

Availability

We may improve, modify, add, or remove features from LayaWise from time to time.

We cannot guarantee that the app will always be available without interruptions or errors.

Limitation of Liability

To the extent permitted by law, LayaWise and its developer will not be responsible for financial losses, missed payments, penalties, interest charges, data loss, or other damages resulting from your use of or reliance on the app.

Changes to These Terms

We may update these Terms of Use when LayaWise changes.

The latest version will be available on the official LayaWise website.

Contact

If you have questions about these Terms, contact: