Terms of service
Last updated November 15, 2026. These terms are between you and Daily Pals Labs, which runs Paydown Pal.
The service
Paydown Pal gives you a personalized payoff plan, daily lessons, reminders and an AI coach. Paydown Pal is an educational planning tool, not financial, legal or tax advice. We never see your bank accounts and never move money.
Subscriptions
Paid plans cost $4.99 per month or $49.99 per year (plus any tax), billed by Stripe as merchant of record, and renew automatically until you cancel. You can cancel anytime in Settings → Plan & billing; you keep access until the end of the period you paid for.
Money-back guarantee
If it's not for you, request a full refund within 14 days of a payment in Settings → Plan & billing, or by email. See the refund policy.
Using it well
Use the app for yourself, don't misuse it or try to break it, and don't rely on it for decisions that need a professional. The AI coach can make mistakes; use your judgment.
No guarantees
We work hard to make the plans helpful, but results depend on many things outside our control. The service is provided “as is”, and to the extent the law allows, our liability is limited to what you paid us in the last 12 months.
Changes
If we change these terms in a way that matters, we'll tell you in the app before it applies.
Law
These terms are governed by the laws of the State of New York, USA.