Disclaimer

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Effective Date: September 11, 2025

Debt to Legacy LLC (“Debt to Legacy,” “DTL,” “we,” or “our”) provides digital financial navigation tools through the DTL Navigation Suite (including IncomeLift, SteadyVest, BillWatch, DIY Debt Defence, Felix Pay, ExpenseWatch, and FinanceWatch). These tools are designed to support individuals in tracking, planning, and managing their personal finances.

Please read this Disclaimer carefully. By using our Services, you acknowledge and accept the following:

1. Technology and Third-Party Services

Our tools are built and owned by Debt to Legacy LLC, but they rely on third-party infrastructure and integrations, including:

• Replit (application hosting and runtime environment)
• Google Cloud Services (authentication, storage, APIs)
• PostgreSQL databases (cloud-managed)
• Stripe, Square Pay, Check.io (secure payments)
• Setmore (appointment booking)
• Streamlit and other software providers (technical functionality)

We do not control these third-party services and cannot guarantee they will always function without errors, downtime, or interruptions. Outages, updates, or changes from these providers may temporarily or permanently impact access to our Services.

📌 Important: Users should back up their data regularly. If you experience technical issues, please contact us at:

📧 info@debttolegacy.com | 📞 (307) 241-4360

We will assist with troubleshooting, but we cannot guarantee uninterrupted service.

2. Development and Testing Notice

The DTL Navigation Suite is functional but remains under active product development and testing. This means:

• Features and design may change or be upgraded without prior notice
• Performance may vary across devices and browsers
• Certain features may be temporarily unavailable during improvements

Early users play an important role in testing and improving the tools. By using our Services, you understand that functionality may evolve over time.

3. No Guarantee of Results

Debt to Legacy LLC provides tools and consultation to support financial education, income tracking, debt reduction, and wealth-building strategies. However:

• Success depends on your personal effort, discipline, and daily actions
• Our tools are not magic and are not get-rich-quick schemes
• Using our software does not automatically create income or eliminate debt

Your results depend on your consistent use of the tools and application of strategies. While we believe in the system and use it ourselves, we cannot and do not guarantee individual results.

4. Not Professional Advice

Our Services are for educational and informational purposes only.

Debt to Legacy LLC is not a licensed financial advisor, tax advisor, or legal advisor.

Before making financial, tax, or legal decisions, you should always consult a qualified professional.

5. Limitation of Liability

By using our Services, you agree that Debt to Legacy LLC is not liable for:

• Technical failures caused by third-party services
• Data loss due to outages, software bugs, or user error
• Financial losses or missed opportunities from reliance on our tools
• Failure to achieve specific financial outcomes

Summary

Debt to Legacy LLC provides tools, guidance, and support — but your financial journey is your responsibility. We’ll walk with you, but the daily work, discipline, and choices are yours to make.

📌 Debt to Legacy LLC

🌐 https://debttolegacy.com

📧 info@debttolegacy.com

📞 (307) 241-4360