Terms of Service

Debt-Free.world is a global AI-powered financial empowerment platform. We provide personalised financial diagnostics, debt recovery tools, income building resources, and wealth building guidance — organised into four product families, each with a free and a paid tier:

• Debt FREE / Debt Recovery — understand your situation, then change it (live now)
• Income FREE / Income Builder — tools to grow your income (coming Q4 2026)
• Wealth FREE / Wealth Architect — tools to build lasting wealth (coming 2028)
• Business FREE / Business Engine — tools to build a business or side income (coming 2029)

Free tools are available without registration. Paid services require payment and are subject to the additional terms below.

Free tools on Debt-Free.world are provided as-is, at no cost, and available to anyone. We reserve the right to modify, limit, or discontinue free services at any time without notice. Free services do not include any guarantee of accuracy, completeness, or fitness for a particular purpose.

All prices are in euros (EUR) and include applicable VAT. Payments are processed securely by Stripe. We do not store your payment card details.

While we are not legally required to issue refunds, we are committed to treating every customer fairly. See our Refund Policy below for full details of our goodwill commitment.

Our plans, letters, and analysis are generated by artificial intelligence (Anthropic Claude). They are provided for informational and guidance purposes only. They do not constitute legal, financial, or professional advice. You should consult a qualified professional before making significant financial decisions.

AI outputs may occasionally contain inaccuracies. We are not liable for decisions made based solely on AI-generated content.

• You must be 18 years of age or older to purchase paid services
• You may not resell, redistribute, or reproduce our content without written permission
• You may not use our platform for any unlawful purpose
• You may not attempt to reverse-engineer, scrape, or disrupt our services

To the fullest extent permitted by law, Amliv Oy shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability in any matter shall not exceed the amount you paid for the service in question.

These Terms are governed by Finnish law. Any disputes shall be subject to the jurisdiction of Finnish courts. EU consumers also retain rights under applicable EU consumer protection law and may use the EU Online Dispute Resolution platform.

We may update these Terms from time to time. Material changes will be announced via email to registered users. Continued use of our services after changes constitutes acceptance of the updated Terms.

Questions about these Terms: support@debt-free.world

Amliv Oy · Lauttakorventie 7 E 36, 37130 Nokia, Finland

Amliv Oy
Lauttakorventie 7 E 36, 37130 Nokia, Finland
VAT: FI32503518
Contact: support@debt-free.world

Amliv Oy operates Debt-Free.world. We are the data controller for all personal data processed in connection with this service.

We collect only what is necessary to provide the service you have requested.

Free plan users

When you submit the free debt recovery form, we collect:

• Email address — to deliver your 90-day plan
• Financial information you enter (income, debt amounts, household type, country, employment situation, housing costs) — to generate your personalised plan
• Your selected language and country — to localise your plan

Note: like all internet services, our infrastructure providers (Cloudflare) may retain technical request logs for short periods for security and operational purposes. These logs do not contain your financial form data.

Premium Member Area users

When you purchase a Premium membership and complete the onboarding form, we collect and store:

• Email address
• First name
• Country and language
• Financial information you provide: debt total range, employment situation, household type, housing situation, income range, savings buffer, collections or enforcement status, primary barrier to debt repayment
• Your AI-generated personalised plan
• Stripe payment metadata (transaction ID, payment date — we do not store card details)

Providing this financial information is voluntary. You may access your Member Area without completing the onboarding form, but your personalised plan will not be generated.

We don’t keep your information forever — and we don’t think we should. Data retention periods are different for each plan, and depend on whether you are a free or paid member.

• DEBT FREE (free plan) — your account and your My DEBT FREE Plan are kept for 90 days from your last visit. If you don’t log in during that time, your data is automatically and permanently deleted. Logging back in resets the 90 days.
• Debt Recovery (90 days, paid) — your account stays fully active for 90 days from purchase. After that, your account moves to a 12-month archive: you can still log in and download your documents and letters, but no new plan updates are generated. After 12 months in archive, your data is automatically deleted. We will always email you 30 days before this happens, so you have time to download anything you want to keep.
• Income Builder, Wealth Architect, Business Engine — the same active-period-plus-archive model will apply once these products launch. Specific periods will be published here before each product goes live.

This retention schedule applies to your email address, your onboarding answers, your generated plan, and any letters or documents you created with us.

Other data retention periods:

• Newsletter email address — retained in Brevo until you unsubscribe or request deletion
• Payment records — retained as required by Finnish accounting law (7 years)

Part of the mission of Debt-Free.world is to demonstrate that accessible financial guidance creates measurable, real-world change. To support this mission, shortly before your account data reaches its scheduled deletion date, we extract a small set of non-identifying statistics from it — for example, your country, the type of debt you had, which tools you used, and whether you reached your goal. We use this anonymised data for:

• Statistical research and analysis of debt patterns, recovery trajectories, and outcomes
• Impact measurement and reporting
• Service improvement and product development
• Grant applications, funding proposals, and social impact reporting
• Academic or non-profit collaboration on financial wellbeing research

Your personalised plan is generated by Claude, an AI model developed by Anthropic. When you submit financial information, it is sent to Anthropic’s API to generate your plan.

Anthropic processes this data as a data processor acting on our behalf. Anthropic’s standard API does not use submitted data to train AI models. We recommend reviewing Anthropic’s Privacy Policy for their current data handling practices.

Your financial data is transmitted to Anthropic only for the purpose of generating your plan. It is not shared with Anthropic for any other purpose.

We process your personal data on the following legal bases under GDPR:

• Contract performance (Art. 6(1)(b)) — processing necessary to deliver the service you have purchased or requested
• Legitimate interests (Art. 6(1)(f)) — sending relevant updates, measuring service impact, and improving the service, where these interests are not overridden by your rights
• Legal obligation (Art. 6(1)(c)) — retaining payment records as required by Finnish accounting law
• Consent (Art. 6(1)(a)) — where you have explicitly agreed, including for analytics cookies (GA4 and Microsoft Clarity) and marketing communications; you may withdraw consent at any time

We use the following service providers to operate Debt-Free.world. Each processes data only as necessary to provide their service:

• Anthropic (Claude API) — AI processing to generate your personalised plan.
• Brevo (Sendinblue) — email delivery and contact list management.
• Cloudflare — infrastructure, DNS, security and Workers KV storage for Premium member data.
• Google (Analytics) — site analytics via Google Analytics 4, loaded only with your consent. IP addresses are anonymised. See Google’s Privacy Policy.
• Microsoft (Clarity) — anonymised session recordings and heatmaps, loaded only with your consent. No financial data from forms is collected. See Microsoft’s Privacy Statement.
• Stripe — payment processing. Stripe is an independent data controller for payment data. See Stripe’s Privacy Policy.

We do not sell your personal data. We do not share identifiable personal data with advertisers or any third party not listed above.

Under GDPR, you have the following rights regarding your personal data:

• Access — request a copy of the personal data we hold about you
• Rectification — request correction of inaccurate data
• Erasure — request deletion of your personal data (“right to be forgotten”)
• Restriction — request that we limit processing of your data in certain circumstances
• Objection — object to processing based on legitimate interests
• Portability — receive a copy of your data in a structured, machine-readable format
• Withdraw consent — where processing is based on consent, withdraw it at any time without affecting the lawfulness of prior processing

To exercise any of these rights, email support@debt-free.world with subject line “Data request” and the email address associated with your account. We will respond within 30 days.

If you believe we have not handled your data correctly, you have the right to lodge a complaint with the Finnish Data Protection Ombudsman (tietosuoja.fi) or the supervisory authority in your country of residence.

We use two analytics tools to understand how visitors use our site:

• Google Analytics 4 (GA4) — measures page views, session duration, traffic sources and general site usage. We enable IP anonymisation and do not use GA4 for advertising or remarketing.
• Microsoft Clarity — records anonymised session replays and heatmaps to help us understand how visitors navigate and interact with our pages. Clarity does not collect financial data entered in our forms. See Microsoft’s Privacy Statement.

Both tools are loaded only after you consent via the cookie banner displayed on your first visit. Your consent choice is stored in your browser. We do not use cross-site tracking, advertising cookies, or remarketing pixels of any kind.

If you decline analytics, no tracking scripts are loaded. You may withdraw consent at any time by clearing your browser storage and declining again on your next visit.

We take the following technical and organisational measures to protect your data:

• All data in transit is encrypted via HTTPS/TLS
• Premium member tokens are cryptographically generated with 256-bit entropy and validated server-side on every request
• Member tokens are stored in sessionStorage (not cookies or localStorage) and cleared from URLs immediately after validation
• Financial data is not stored in browser storage or transmitted in page URLs
• Access to production infrastructure is restricted
• Premium member data is automatically deleted after the applicable membership period
• All API endpoints are rate-limited and restricted to authorised origins

Some of our service providers (Anthropic, Cloudflare, Stripe) operate infrastructure outside the European Economic Area. Where personal data is transferred outside the EEA, we rely on Standard Contractual Clauses or the provider’s adequacy mechanisms as required by GDPR Chapter V.

Debt-Free.world is not directed at persons under 18 years of age. We do not knowingly collect personal data from minors. If you believe a minor has submitted personal data through our service, please contact us at support@debt-free.world and we will delete it promptly.

We may update this Privacy Policy when our data practices change. Material changes will be noted at the top of this page with an updated date. For existing users, material changes will be communicated by email where we hold your email address.

Questions about this Privacy Policy or your data:
support@debt-free.world
Amliv Oy · Lauttakorventie 7 E 36, 37130 Nokia, Finland

Despite the legal position above, we are committed to treating every customer fairly. We understand that financial stress is real, and we believe in the value of what we deliver. If you are genuinely unsatisfied, we will always listen and find a fair solution — because your trust matters more than any single transaction.

We do this together ✦

We review all other refund requests individually and with genuine care. While we cannot guarantee refunds outside the situations above, we commit to:

• Responding to every refund request within 3 business days
• Treating every case with fairness and human judgment
• Offering alternative solutions where a full refund is not appropriate — for example, extended access or personalised support

If you genuinely cannot afford Debt Recovery but need help, you may apply to our Community Access Program — which provides free Premium access in exchange for feedback and participation in our development process.

Contact us at support@debt-free.world with the subject line “Community Access”.

If you are not satisfied with our response, you have the right to escalate to:

• Finnish Consumer Disputes Board: kuluttajariitalautakunta.fi
• EU Online Dispute Resolution: ec.europa.eu/consumers/odr

These services are free of charge for consumers and available to all EU residents.

For any refund or billing question: support@debt-free.world

Amliv Oy · Lauttakorventie 7 E 36, 37130 Nokia, Finland