Welcome to Snowball ("we," "our," "us"). These Terms & Conditions ("Terms") govern your use of the Snowball mobile application, website, and any related services (collectively, the “Service”). By accessing or using Snowball, you agree to these Terms. If you do not agree, please do not use our Service.

1. Overview of Our Service

Snowball is a financial wellness tool designed to help users track debt, build better money habits, and visualize progress. We do not provide financial, legal, or tax advice.

2. Eligibility

To use Snowball, you must:

  • Be at least 18 years old

  • Agree to these Terms

  • Use the Service for personal, non-commercial purposes

3. User Accounts

You may be required to create an account. You agree to:

  • Provide accurate information

  • Keep your login credentials confidential

  • Notify us immediately of unauthorized use

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Personal Finance Disclaimer

Snowball provides tools, insights, and educational content, but:

  • We do not guarantee financial outcomes

  • We do not provide personalized financial, legal, investment, or tax advice

  • All decisions you make are your responsibility

5. Data & Privacy

Your privacy is important to us.
Our use of your information is governed by our Privacy Policy. By using the Service, you consent to the collection and use of data as outlined there.

We do not sell personal information.

6. Subscription & Payments (If Applicable)

If Snowball offers paid features or subscriptions:

  • Prices will be clearly shown before purchase

  • Subscriptions renew automatically unless canceled

  • You may cancel at any time through your app store or account settings

  • Payments are handled securely through third-party processors (e.g., Apple, Google, Stripe)

We do not control third-party billing practices.

7. Acceptable Use

You agree NOT to:

  • Use Snowball for illegal purposes

  • Attempt to hack, disrupt, or misuse the Service

  • Impersonate another person

  • Upload harmful or unauthorized content

We reserve the right to monitor and enforce these guidelines.

8. Intellectual Property

All content, branding, features, logos, graphics, and software are the property of Snowball and protected by copyright and trademark laws.

You may not copy, modify, distribute, or reverse-engineer any part of the Service.

9. Third-Party Links & Integrations

Snowball may link to or integrate with external services.
We are not responsible for:

  • Their content

  • Their policies

  • Their actions

Use third-party services at your own risk.

10. Termination

We may suspend or terminate your access if:

  • You violate these Terms

  • You misuse the Service

  • We discontinue the Service

You may delete your account at any time.

11. Limitation of Liability

To the fullest extent permitted by law, Snowball is not liable for:

  • Financial losses

  • Data loss

  • Service interruptions

  • Errors, bugs, or inaccuracies

You use the Service at your own risk.

12. No Warranty

Snowball is provided “as is” and “as available.”
We do not guarantee:

  • That the Service will always be error-free

  • That data will always be accurate

  • That access will be uninterrupted

13. Changes to Terms

We may update these Terms occasionally.
If changes are significant, we will notify you by email or in the app.

Continued use of Snowball means you accept the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.