These terms govern your use of the Snowballer mobile app ("the app"). By creating an account or using the app, you agree to them.
Snowballer is a personal debt-payoff planner and spending tracker, with optional habit tracking and AI-generated coaching. You enter what you owe and what you can pay each month, and the app projects when you could be debt-free, in what order to attack your debts, and what paying extra would change.
Optional bank linking. With Snowballer Plus you can connect a bank or lender through Plaid Inc., a third-party service that securely links financial accounts. If you use it, you authenticate directly with your institution — Snowballer never sees or stores your banking username or password. Plaid returns your transactions and, where the institution supports it, debt balances, interest rates, minimum payments, and due dates, which the app uses to fill in your plan. You can disconnect any institution at any time in the app, and you can use every payoff feature without ever linking a bank. Plaid's handling of your information is governed by Plaid's End User Privacy Policy.
The debt-free date is a projection, not a promise. Every date, interest total, and "months sooner" figure in the app is arithmetic run on the numbers you gave it, assuming you keep making the payments you said you would and that your balances, interest rates, minimum payments, and fees behave as entered. Real life moves: rates change, minimums change, you miss a month or pay extra, a lender applies interest differently than the app assumes. Your actual payoff date will differ, and Snowballer does not guarantee any date, any interest saving, or any outcome. Treat the number as a target that updates as you do, not as a commitment from us or from anyone.
Where the app fills figures in from a linked bank, those come from your institution by way of Plaid and can be stale, incomplete, or wrong. Check them against your lender's own statement before acting on them.
Snowballer does not provide financial, investment, tax, legal, medical, or mental-health advice. The AI coaching messages are automatically generated motivational and reflective content based on the data you've entered. They may be inaccurate, incomplete, or unsuitable for your situation, and you should not rely on them for financial or health decisions. For decisions that matter, consult a qualified professional.
Receipt, check, and statement/screenshot scanning and voice entry use AI to extract transaction details, and may make mistakes (wrong amounts, dates, or categories). You are responsible for reviewing all extracted entries for accuracy before relying on them. This is especially important for statement/screenshot scanning, which can create many transactions from a single image at once.
You agree not to: attempt to access other users' data; reverse-engineer, disrupt, or overload the service; use the AI features to generate abusive content or in automated bulk; or use the app for unlawful purposes. We may suspend or terminate accounts that violate these terms or abuse the service (including excessive automated use of AI features).
You own the data you enter into Snowballer. You grant us the limited rights needed to store, process, and display it back to you, solely to operate the app. That includes sending relevant portions to the service providers the app runs on: Anthropic when you use AI features (coaching, receipt and statement scanning, voice entry), and Plaid when you choose to link a financial institution. See the Privacy Policy for the full list and what each one receives.
Snowballer's payoff planning is free. Snowballer Plus is an optional auto-renewable subscription (currently $4.99/month or $39.99/year, shown in the app before you buy) that adds features like bank sync, custom payoff order, Dial-a-Date, and exports.
Snowballer is provided on an "as available" basis. We may add, change, or remove features, and we may interrupt service for maintenance. We recommend you don't treat the app as your only record of financial information.
THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF DATA, PROFITS, OR SAVINGS, ARISING FROM YOUR USE OF THE APP. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE APP WILL NOT EXCEED THE AMOUNT YOU PAID US FOR IT IN THE PAST TWELVE MONTHS.
Some jurisdictions don't allow certain limitations, so parts of the above may not apply to you.
These terms are governed by the laws of the United States and the State of California, without regard to conflict-of-law rules.
If we make material changes, we'll update the effective date above and note the change in the app or its store listing. Continued use after changes means you accept the updated terms.
Questions: snowballer.app@gmail.com