Financial Disclaimer

Last updated: March 2026

1. Not Financial Advice

DebtShift ("the App") is a debt payoff planning calculator designed to help you visualise and compare different debt repayment strategies. The App does not provide financial advice, recommendations, or guidance. It does not and cannot take into account your complete financial situation, goals, risk tolerance, or personal circumstances.

2. Estimates Only

All calculations, projections, debt-free dates, interest savings figures, and payment schedules generated by the App are estimates only. They are based solely on the information you provide and standard mathematical formulas. Actual results may differ due to:

• Changes in interest rates (including variable and promotional rates)
• Additional fees, charges, or penalties applied by your lenders
• Changes to minimum payment requirements
• Missed or late payments
• Changes in your financial circumstances
• Rounding differences and compounding method variations between lenders
• Any other factors not accounted for in the App's calculations

3. Not a Financial Services Product

The App does not:

• Offer, arrange, or facilitate any loans, credit, or financial products
• Provide debt counselling or debt management services
• Act as a financial adviser, broker, or intermediary
• Connect to your bank accounts or access your financial data
• Make payments on your behalf
• Guarantee any financial outcome

4. Your Responsibility

You are solely responsible for your financial decisions. Before making any significant financial decisions based on information from the App, we strongly recommend that you:

• Consult a qualified, independent financial adviser
• Verify all calculations independently with your lenders
• Review the terms and conditions of your specific debt agreements
• Consider your complete financial situation and circumstances
• Seek professional advice if you are in financial difficulty

5. UK Users — Debt Help Resources

If you are struggling with debt, free and impartial help is available from:

• StepChange Debt Charity: stepchange.org | 0800 138 1111
• Citizens Advice: citizensadvice.org.uk
• National Debtline: nationaldebtline.org | 0808 808 4000
• MoneyHelper (Money and Pensions Service): moneyhelper.org.uk | 0800 138 7777

6. US Users — Debt Help Resources

• National Foundation for Credit Counseling: nfcc.org | 1-800-388-2227
• Consumer Financial Protection Bureau: consumerfinance.gov

7. No Liability

To the fullest extent permitted by applicable law, ForgeOps AI accepts no liability for any financial loss, damage, or adverse outcome arising from your use of the App or reliance on its calculations, projections, or any other information it provides. Use of the App is entirely at your own risk.

8. Regulatory Status

ForgeOps AI is not authorised or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body. The App is not a regulated financial product.

9. Contact

For questions about this disclaimer, contact us at:

ForgeOps AI
Email: debtshift@agentmail.to
Website: debtshift.info