# Terms of Service | MyDebtLens

The official Terms of Service govern use of MyDebtLens, including accounts, subscriptions, billing, reports, integrations, optional AI-assisted explanations, acceptable use, limits of liability, governing law, venue, and individual-dispute handling.

Ask MyDebtLens currently uses DeepSeek when a user activates the optional feature. Core calculations do not require AI, and AI cannot change saved records, make payments, contact creditors, alter subscriptions, connect integrations, or act autonomously.

MyDebtLens is educational planning software, not financial, legal, tax, credit, lending, credit-repair, or debt-settlement advice.

Official page: https://mydebtlens.com/Terms

The terms distinguish underlying public-source data from MyDebtLens presentation, selection, arrangement, chart design, explanations, derived metrics, scoring labels, composite indicators, and analytical outputs.