Terms of Service
Last updated: January 2025
Acceptance
By creating an account or using Pavvlo, you agree to these terms.
Use of service
Pavvlo provides debt tracking, payoff planning, AI-powered guidance, SMS reminders, and progress tracking. You are responsible for the accuracy of the data you enter.
Not financial advice
Pavvlo — including the AI advisor — provides educational guidance only. It is not professional financial, legal, or tax advice. For decisions with material impact, consult a licensed professional.
Subscriptions and trials
Paid plans bill monthly or annually via Stripe. The 7-day free trial does not charge your card until the trial ends. You can cancel any time from Settings — your access continues through the end of the current billing period.
SMS terms
SMS reminders are sent via Twilio at the cadence you select. Standard message and data rates from your carrier may apply.
Account termination
You may delete your account at any time. We may suspend accounts that violate these terms or are used to harm others.
Limitation of liability
Pavvlo is provided "as is". To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages.
Contact
Questions? Email hello@pavvlo.com.