Terms and Conditions for SLICE

Effective Date: Coming soon
App Name: SLICE — Debt Resolution App
Company/Owner: Marc Feinberg
Contact Email: support@slicemydebt.com
Website: slicemydebt.com

These Terms and Conditions (“Terms”) govern your access to and use of SLICE — Debt Resolution App (“SLICE,” “we,” “us,” or “our”), including the SLICE mobile app, website, AI tools, coaching features, subscription features, educational content, and related services.

By creating an account, accessing SLICE, or using any part of the app, you agree to these Terms. If you do not agree, do not use SLICE.

1. About SLICE

SLICE is a debt resolution planning and education app designed to help users organize debt information, calculate settlement targets, create savings timelines, prepare negotiation scripts, track creditor progress, and access educational coaching support.

SLICE may include features such as:

Customized debt program setup
Creditor tracking
Credit score input
Settlement calculators
Monthly savings planning
Snowball timeline tools
AI-generated negotiation scripts
AI debt coaching features
Credit repair education
Founder coaching or coaching booking features
Mastermind or educational content
Subscription-based premium features

SLICE is intended for users located in the United States.

2. Not Legal, Tax, Credit, or Financial Advice

SLICE is not a law firm, credit repair organization, tax advisor, financial advisor, debt settlement company, or financial institution.

The information, tools, AI responses, scripts, coaching, calculators, timelines, and educational content provided through SLICE are for general informational and educational purposes only.

SLICE does not provide:

Legal advice
Tax advice
Financial advice
Credit repair services
Debt settlement services
Guaranteed debt reduction
Guaranteed creditor acceptance
Guaranteed credit score improvement
Guaranteed financial outcomes

You are responsible for your own decisions and actions. You should consult a qualified attorney, tax professional, credit professional, financial advisor, or other licensed professional when needed.

You should get all debt settlement agreements in writing before making any payment to a creditor, collector, or third party.

3. Eligibility

You must be at least 18 years old to use SLICE.

By using SLICE, you represent that:

You are at least 18 years old
You are legally able to enter into these Terms
The information you provide is accurate and belongs to you
You will use SLICE only for lawful purposes
You will not misuse the app, AI tools, coaching features, or subscription services

4. User Accounts

To use certain features, you may need to create an account.

You agree to:

Provide accurate and complete information
Keep your account information updated
Keep your login credentials secure
Notify us if you suspect unauthorized access
Accept responsibility for activity under your account

We may suspend or terminate accounts that violate these Terms, create risk, misuse the service, or provide false or misleading information.

5. User-Provided Information

You may manually enter information into SLICE, including creditor names, creditor phone numbers, debt balances, credit score estimates, monthly savings amounts, budget information, notes, negotiation preferences, and coaching questions.

You are responsible for the accuracy and legality of the information you provide.

SLICE calculations, timelines, and AI suggestions depend on the information you enter. If the information is incomplete or inaccurate, results may be incomplete or inaccurate.

6. Debt Calculators and Program Estimates

SLICE may provide settlement calculators, savings plans, timeline estimates, and debt program projections.

These tools are estimates only. Actual outcomes may vary based on creditor policies, account status, available savings, legal rules, tax consequences, negotiations, collection activity, credit reporting, and other factors outside our control.

SLICE does not guarantee that:

A creditor will accept any settlement offer
A creditor will stop collection efforts
A debt will be reduced
A specific timeline will be achieved
A credit score will improve
A settlement will be reported in a specific way

7. AI Features

SLICE may include AI-powered features, including Zest AI Debt Coach, negotiation strategy suggestions, customized call scripts, letter drafts, and educational guidance.

AI-generated content may be incomplete, inaccurate, outdated, or inappropriate for your specific situation. You should review all AI-generated content before using it.

You agree not to enter highly sensitive information into AI features, including:

Social Security numbers
Full bank account numbers
Full credit card numbers
Government identification numbers
Passwords
Security codes
Any other information that is not necessary to use the feature

AI features are for educational support only and do not replace professional advice.

8. Coaching and Founder Coaching

SLICE may allow users to book coaching sessions, founder coaching with Marc Feinberg, Mastermind sessions, tax advisory sessions, or live creditor call support.

Coaching is educational guidance only. Coaching does not create an attorney-client, tax advisor-client, financial advisor-client, fiduciary, or credit repair relationship.

Coaching availability, scheduling, session length, pricing, and included features may vary by subscription tier or product offering.

We may reschedule, cancel, or modify coaching availability when necessary.

Unless clearly stated otherwise and consented to, SLICE does not record coaching calls.

9. Credit Repair Education

SLICE may include a Credit Repair page, credit score tracking, credit report checklists, dispute letter placeholders, and educational steps for rebuilding credit.

These features are educational only. SLICE does not guarantee credit repair, deletion of negative items, removal of accurate information, or credit score improvement.

You are responsible for reviewing, editing, and verifying any letters, scripts, or documents before sending them.

10. Subscriptions, In-App Purchases, and Payments

SLICE may offer free and paid features through subscription tiers or in-app purchases.

Subscription tiers may include Free, Silver, Gold, Platinum, or other offerings.

Paid features may include:

AI debt coaching
AI negotiation strategy
AI scripts or letters
Mastermind content
Coaching bookings
Founder coaching
Tax advisory booking
Live creditor call support
Premium planning tools

For iOS users, digital subscriptions and in-app purchases are processed through Apple App Store. For Android users, digital purchases may be processed through Google Play. We may also use subscription management providers such as RevenueCat.

We do not store your full payment card information.

Subscription pricing, billing frequency, renewal terms, cancellation rules, and refund policies are controlled by the applicable app store or payment provider.

Auto-renewing subscriptions renew automatically unless canceled according to the applicable app store rules.

You are responsible for managing and canceling your subscription through your Apple App Store, Google Play, or applicable payment account settings.

11. Refunds and Cancellations

Refunds for in-app purchases or subscriptions are generally handled by the applicable app store or payment provider.

SLICE does not control Apple App Store or Google Play refund decisions.

If you cancel a subscription, you may continue to have access to paid features until the end of the current billing period, depending on the applicable app store or subscription provider rules.

12. Acceptable Use

You agree not to:

Use SLICE for illegal, fraudulent, abusive, or harmful purposes
Misrepresent your identity or account information
Attempt to access another user’s account
Reverse engineer, copy, modify, or exploit the app
Interfere with app security or performance
Upload malicious code or harmful content
Use AI features to create deceptive, abusive, or unlawful content
Use SLICE to harass creditors, collectors, coaches, users, or staff
Violate any law, regulation, third-party right, or app store policy

We may suspend or terminate access if we believe you violated these Terms.

13. Intellectual Property

SLICE, including its name, logo, design, app interface, text, graphics, code, educational content, AI prompt structures, workflows, templates, and related materials, is owned by SLICE or its licensors.

You may use SLICE for your personal, non-commercial use only.

You may not copy, reproduce, distribute, sell, license, modify, create derivative works from, or exploit any part of SLICE without written permission.

14. User Content License

You retain ownership of information you enter into SLICE.

By using SLICE, you grant us a limited license to use, process, store, display, and transmit your information only as needed to provide and improve the app, operate AI features, process subscriptions, provide coaching, deliver support, and comply with law.

15. Third-Party Services

SLICE may rely on third-party services, including:

Apple App Store
Google Play
RevenueCat
Supabase or Firebase
Anthropic Claude or another AI provider
Expo
Sentry or similar crash reporting tools
Email or notification providers
Calendar or scheduling providers
Video conferencing or coaching tools

Your use of third-party services may be subject to their own terms and privacy policies.

We are not responsible for third-party service outages, errors, policies, or actions.

16. Privacy

Your use of SLICE is also governed by our Privacy Policy, which explains how we collect, use, store, and share information.

By using SLICE, you also agree to the practices described in the Privacy Policy.

17. No Warranties

SLICE is provided on an “as is” and “as available” basis.

To the fullest extent allowed by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, reliability, and non-infringement.

We do not warrant that SLICE will be uninterrupted, secure, error-free, or that results will meet your expectations.

18. Limitation of Liability

To the fullest extent allowed by law, SLICE and its owners, founders, officers, employees, contractors, coaches, partners, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes damages related to:

Debt settlement outcomes
Creditor decisions
Collection activity
Credit score changes
Tax consequences
Financial losses
AI-generated content
User decisions
Coaching outcomes
App downtime or technical issues

Your use of SLICE is at your own risk.

Some states do not allow certain limitations, so some of these limitations may not apply to you.

19. Indemnification

You agree to defend, indemnify, and hold harmless SLICE, its owners, founders, employees, contractors, coaches, partners, and service providers from any claims, damages, losses, liabilities, costs, or expenses arising from:

Your use of SLICE
Your violation of these Terms
Your violation of any law or third-party right
Information you provide
Actions you take based on app content, AI content, coaching, scripts, or calculators

20. Termination

We may suspend or terminate your access to SLICE at any time if:

You violate these Terms
You misuse the app
You create legal or security risk
We discontinue the app or a feature
Required by law, regulation, or app store policy

You may stop using SLICE at any time.

Termination does not automatically cancel your app store subscription. You must cancel subscriptions through the applicable app store or payment provider.

21. Changes to the App or Terms

We may update SLICE, change features, modify pricing, add or remove services, or update these Terms from time to time.

If we make material changes, we may notify you through the app, by email, or by updating the effective date.

Your continued use of SLICE after changes become effective means you accept the updated Terms.

22. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

Any disputes will be handled in the courts located in Palm Beach County, Florida, unless applicable law requires otherwise.

23. Contact Us

For questions about these Terms, contact us at:

Coach Marc LLC
Email: support@slicemydebt.com
Website: https://slicemydebt.com
Mailing Address: 2007 Cove Ln., North Palm Beach, FL 33408