Terms of service.

Overborrowed is a budgeting and debt-payoff planning tool. It helps you track what you owe and plan your way out of debt. It is a tracking and planning aid — not financial, legal, or tax advice — and any estimates it shows are based on the numbers you enter.

You sign in with a magic link sent to your email, then unlock your data with a Vault PIN you choose. You are responsible for keeping your PIN and recovery key safe. Because your data is encrypted with a key only you hold, losing both your PIN and your recovery key means your data cannot be recovered — by you or by us.

Sign-in links are for existing accounts; creating an account happens on the sign-up page. One account per person, and please use an email address you control.

You must be at least 18 years old — or the age of legal majority where you live, if that is higher — to use Overborrowed. By creating an account, you confirm that you meet this requirement. We do not knowingly collect information from anyone under 18, and we will delete any account we learn belongs to a minor.

Overborrowed is free during early access. After early access ends, it will cost $2.99 a month. We will give clear notice before any charge begins, and no payment details are collected during early access.

Your budget and debt data belongs to you. It is encrypted on your device before it is stored, so we cannot read it. You may export or delete it at any time. Deleting your account removes your email and all encrypted records we hold.

Please don't misuse the service: no attempting to break the encryption or security of the app, no accessing other people's accounts, and no using Overborrowed for anything unlawful.

We work to keep Overborrowed available and reliable, but it is provided "as is" without warranties of any kind. To the extent the law allows, Overborrowed is not liable for indirect losses, and our total liability is limited to the amount you have paid us in the twelve months before a claim — which, during early access, is zero.

We may update these terms as the product grows. When we do, we will update the date above and note meaningful changes on this page before they take effect. Continuing to use Overborrowed after a change means you accept the new terms.