Terms of Service

1. Service Description

PaydayCompass provides a web-based educational budgeting sandbox, interactive allocation calculators, 30/90-day trajectory modeling, and printable plan deliverables designed specifically for first-time salary earners.

2. Financial Disclaimer — Not Financial or Tax Advice

All projections, ratios, What-If analyses, and 30/90-day trajectories are hypothetical mathematical models based solely on assumptions provided by you. We do not guarantee specific financial outcomes, investment growth, debt elimination timelines, or credit score improvements. Always consult a qualified, licensed financial planner or certified accountant for advice tailored to your specific jurisdiction and legal situation.

3. Purchases and Merchant of Record

A. One-Time Purchase Model

PaydayCompass Pro is offered as a single one-time digital purchase of $4.99 USD (or local currency equivalent). It is not a recurring subscription. Payment grants lifetime personal access to advanced report generators, 90-day timelines, and PDF export tools for the account/browser session.

B. Paddle as Merchant of Record

Our order process is conducted by our online reseller and Merchant of Record, Paddle.com Market Ltd ("Paddle"). Paddle provides customer service inquiries and handles all returns and sales tax collection. When you purchase through Paddle, you are also subject to Paddle's Buyer Terms and Conditions.

C. 14-Day Refund Guarantee

We stand behind the clarity of our plans. If you are unsatisfied with your Pro report purchase for any reason within 14 days of purchase, you may request a 100% refund by contacting Paddle customer support or emailing us at support@tlcompass.com with your order number.

4. User Responsibilities & Acceptable Use

You agree to use PaydayCompass solely for lawful, personal, non-commercial purposes. You agree not to:

• Use automated scripts, bots, scrapers, or crawlers to extract data, formulas, or content without express authorization.
• Reverse engineer, decompile, or attempt to extract the source code or proprietary allocation algorithms of PaydayCompass.
• Attempt to circumvent, manipulate, or fake payment authorization or entitlement records.
• Resell, redistribute, or commercially exploit PaydayCompass plans, reports, or software tools.

5. Intellectual Property

All website designs, layout styles, proprietary allocation algorithms, software code, graphic elements, and branding trademarks are the exclusive intellectual property of PaydayCompass. You receive a limited, revocable, non-exclusive license to use the website and download your personal budget reports for non-commercial individual use.

6. Limitation of Liability

To the maximum extent permitted by applicable law, PaydayCompass and its operators, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, financial losses, data loss, or business interruption arising out of or related to your use of or inability to use our tools. In no event shall our total aggregate liability exceed the amount actually paid by you to PaydayCompass in the twelve (12) months preceding the claim (or $4.99 USD).

7. Governing Law and Severability

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to conflict of law principles. If any provision of these Terms is deemed unlawful or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

8. Modifications to Terms

We reserve the right to modify these Terms at any time. When updates occur, we will update the "Last Updated" date at the top of this page. Continued use of PaydayCompass after any modifications constitutes your acceptance of the revised Terms.

9. Contact Information

If you have any questions or feedback regarding these Terms, please reach out to our team:

📧 support@tlcompass.com