Terms of Service
Clear, straightforward terms for using Ascent.
Acceptance of Terms
By downloading and using Ascent, you agree to these terms of service. These terms are designed to be fair, transparent, and protective of your rights as a user.
Description of Service
Ascent is a privacy-first debt management application that helps individuals and couples track their debt payoff progress. The app stores all data locally on your device and provides tools for debt elimination planning.
User Responsibilities
You are responsible for:
- Providing accurate financial information for your own tracking purposes
- Maintaining the security of your device and data
- Using the app in accordance with applicable laws
- Understanding that Ascent provides tools, not financial advice
No Financial Advice
Ascent provides debt management tools and calculators but does not provide financial, legal, or tax advice. The strategies and recommendations provided are general in nature and may not be suitable for your specific situation. Always consult with qualified professionals for personalized advice.
Data and Privacy
As outlined in our Privacy Policy, your financial data stays on your device. We do not have access to your personal financial information and cannot be held responsible for data you choose to share through PartnerSync or other means.
Limitation of Liability
Ascent is provided "as is" without warranties of any kind. We are not liable for any decisions you make based on information from the app, data loss, or any other damages arising from your use of the service.
Subscription and Payments
Ascent offers free and premium features. Premium subscriptions are billed through the App Store and subject to Apple's terms and conditions. You can cancel your subscription at any time through your App Store account settings.
Termination
You may stop using Ascent at any time by deleting the app from your device. These terms will remain in effect for your past use of the service. Since your data is stored locally, you retain full control over your information even after stopping use.
Changes to Terms
We may update these terms from time to time. Significant changes will be communicated through the app or our website. Continued use of the app after changes indicates acceptance of the new terms.
Contact Information
If you have questions about these terms, please contact us at legal@waypointlabs.io
Last updated: 1/24/2026