Terms of Service
These terms describe what My Debt Lens does, what it does not do, and the responsibilities that come with using a private debt-planning workspace provided by Oll Korrekt LLC, a limited liability company formed in the State of Colorado, United States.
These Terms of Service form a binding legal agreement between you and Oll Korrekt LLC, a limited liability company formed in the State of Colorado, United States, doing business as My Debt Lens. In these terms, “My Debt Lens,” “we,” “us,” and “our” mean Oll Korrekt LLC and the My Debt Lens service, website, app workspace, reports, exports, support workflows, and related features.
By creating an account, signing in, using My Debt Lens, generating reports, using AI-assisted explanations, connecting integrations, or managing a subscription, you agree to these Terms of Service and the Privacy Policy. If you do not agree, do not create an account, subscribe, or use the service.
If you use My Debt Lens through an organization, partner, employer, nonprofit, credit union, or other sponsored path, you also confirm that you have permission to use the service in that role and that any partner-specific terms or access rules may also apply.
My Debt Lens helps users enter debt, income, expense, due-date, and scenario information so they can compare payoff routes, cash-flow pressure, report snapshots, workbook exports, and planning assumptions.
Educational use only: My Debt Lens does not provide financial advice, legal advice, tax advice, investment advice, credit repair services, debt settlement services, lender negotiation, loan origination, underwriting, or a guarantee that any outcome will happen.
Any report, chart, route comparison, AI response, or export is based on saved inputs, assumptions, transparent payoff calculations, and public or official reference data where relevant. Real balances, interest charges, lender rules, fees, due dates, credit impacts, and personal circumstances may differ.
My Debt Lens is intended for adults managing their own financial obligations. People under 18 may not create an account, subscribe, or use the authenticated service. My Debt Lens is not directed to children under 13 and does not knowingly collect personal information directly from children under 13.
Plan features, report limits, saved-report limits, workbook access, and prices are shown on the Pricing page or inside the app. Some features may be free, trial-only, premium, sponsored, partner-funded, locked, or unavailable depending on your access level.
Paid billing may be processed by a third-party payment provider such as Stripe. Taxes, renewal dates, cancellation options, refunds, and billing terms should be shown at checkout or in the account/billing area.
My Debt Lens may change plan names, prices, limits, or included features. If a change materially affects an active paid subscription, the app will provide notice where required or appropriate.
Generated reports are planning documents based on your saved profile at the time of generation. They are not lender statements, credit reports, legal documents, tax documents, loan offers, refinancing approvals, debt-settlement plans, or promises of future outcomes.
Saved reports may count toward plan limits and retention windows. Opening, renaming, downloading, or deleting reports may have different effects than generating a new report, depending on the app’s current rules.
You are responsible for keeping copies of any reports or exports you need outside the app, especially before deleting an account or saved report.
Personal projections depend on the debt, payment, income, expense, due-date, and scenario information you enter. Missing, outdated, or incorrect information can make outputs incomplete or wrong.
Where relevant, My Debt Lens may use public or official reference data to add context or benchmarks. That reference data does not replace your own records, lender statements, contracts, bills, local conditions, or professional advice.
Ask My Debt Lens is designed to explain saved numbers, tradeoffs, app pages, and planning context. It must not be used as a substitute for legal, tax, investment, emergency, debt-settlement, credit-repair, or professional financial advice.
Do not enter Social Security numbers, full financial-account numbers, payment-card numbers, government ID numbers, passwords, real names that are not needed, or other unnecessary personal identifiers into Ask My Debt Lens, report titles, workbook names, debt labels, support messages, or other free-text fields. Oll Korrekt LLC does not require or verify real-world identities to provide debt-planning models.
AI responses can be incomplete or wrong. You should check important information against your own records, statements, and qualified professionals when needed.
Use of My Debt Lens is also governed by the Privacy Policy and Cookie, Analytics & Server Traffic Notice. Required cookies support security and core operation. Optional public visitor analytics is consent-gated. Logged-in product analytics is first-party, aggregate/cohort-based, and designed not to store debt details, balances, income, report content, or private Ask questions in product summaries.
Because Oll Korrekt LLC operates a digital service with international administration and third-party infrastructure, information may be hosted, processed, transferred, stored, or accessed in the United States and in other countries where the LLC’s operators, administrators, contractors, or service providers are located. By using the service, you acknowledge this cross-border processing as part of operating, supporting, securing, and improving My Debt Lens.
Server logs, security/proxy infrastructure, and processed AWStats summaries may be used for security, reliability, traffic health, and basic public-site measurement. Marketing pixels and retargeting tags are not used. Authenticated heatmaps/session replay are not used.
Some users may access My Debt Lens through a partner, sponsor, credit union, employer, nonprofit, referral link, landing page, or access code. Partner access may affect eligibility, billing, available features, reporting labels, or communication paths.
Unless a separate clear consent flow says otherwise, partners do not receive individual debt details, private reports, Ask conversations, creditor names, balances, income, or identifiable member-level planning behavior. Partner reporting is intended to be aggregate, privacy-safe, and threshold-protected.
You agree not to misuse the service, interfere with security, attempt to access another user’s account, scrape the app, reverse engineer restricted parts of the service, abuse AI features, upload malicious content, or use My Debt Lens for unlawful activity.
My Debt Lens may restrict, suspend, or terminate access if an account creates security risk, violates these terms, attempts to bypass limits, abuses support or AI systems, or creates legal or operational risk.
My Debt Lens is provided as an educational planning tool. To the fullest extent allowed by applicable law, the service is provided “as is” and “as available,” without guarantees that any specific payoff date, interest savings, credit result, lender outcome, subscription availability, partner availability, integration behavior, report conclusion, AI explanation, reference-data result, or financial outcome will occur.
To the fullest extent allowed by applicable law, Oll Korrekt LLC is not liable for indirect, incidental, special, consequential, exemplary, punitive, lost-profit, lost-savings, lost-data, lost-opportunity, credit-impact, lender-action, or similar damages arising from or relating to the service, even if we have been advised that such damages are possible.
To the fullest extent allowed by applicable law, the total aggregate liability of Oll Korrekt LLC for all claims arising out of or relating to these terms or the service is limited to the greater of: (a) the amount you paid to Oll Korrekt LLC for My Debt Lens during the twelve (12) months before the event giving rise to the claim; or (b) fifty U.S. dollars ($50.00).
To the fullest extent allowed by applicable law, Oll Korrekt LLC’s members, managers, owners, founders, officers, employees, contractors, service providers, registered agents, corporate representatives, and other agents are not personally liable for damages, losses, or claims arising out of or relating to the service. Registered agents and corporate representatives act only in their representative capacity for the LLC and are not personal parties to these terms.
Some jurisdictions do not allow certain limitations, so some language may not apply to every user. Nothing in these terms limits rights that cannot be limited by law.
To the fullest extent allowed by applicable law, these terms and any dispute arising out of or relating to My Debt Lens are governed by the laws of the State of Colorado, United States, without regard to conflict-of-law rules.
To the fullest extent allowed by applicable law, any lawsuit or court proceeding arising out of or relating to these terms or the service must be filed only in the state or federal courts located in Colorado, United States, including the Colorado county where the LLC’s registered agent or principal U.S. office is located if a more specific venue is required. You consent to the personal jurisdiction and venue of those courts for such disputes.
You and Oll Korrekt LLC agree that disputes will be handled only on an individual basis. To the fullest extent allowed by applicable law, you and Oll Korrekt LLC waive the right to participate in any class, consolidated, collective, private-attorney-general, or representative action against each other.
Before filing a lawsuit, you agree to contact Oll Korrekt LLC through the contact form and give the company a reasonable opportunity to review and attempt to resolve the issue informally, unless applicable law gives you an immediate right to file or seek urgent relief.
Questions about these terms should be directed to Oll Korrekt LLC through the contact form.
Written notices may be sent to the Colorado business mailing address: 18601 Green Valley Ranch Blvd Unit 108 PMB 175, Denver, CO 80249, United States. This is a business mailing address for written notices, not a walk-in office.
These terms may change as the product, pricing, integrations, partner features, and legal requirements evolve. Meaningful changes will be reflected by updating this page and, when appropriate, notifying users or requiring renewed acceptance.