Terms of Use

Nada: Debt Payoff Planner

Last updated: 2 November 2026

In short:

• Nada is a planner and calculator. It is not financial, legal or tax advice. Its results are estimates.
• Apple handles your purchases, cancellations and refunds. We never see your card details.
• These terms are between you and us, not Apple. Spanish law applies, and you keep every consumer right the law gives you.

Who are these terms with?

These terms are between you and {OPERATOR_NAME}, {BUSINESS_ADDRESS}, Spain (“we”, “us”). They are not with Apple.

We are responsible for Nada and what it contains. Apple is not.

These are Nada’s own terms, sometimes called an end user licence agreement. They apply instead of Apple’s standard one. Apple’s rules for purchases still apply: Apple Media Services Terms.

Apple and its subsidiaries are third-party beneficiaries of these terms. This means that when you accept them, Apple can enforce them against you.

What am I allowed to do with Nada?

We give you a licence to use Nada. It is personal and for non-commercial use. You can’t pass it on to someone else.

You can use Nada on Apple devices that you own or control, as Apple’s usage rules allow.

What is Nada not?

Nada is a calculator and planner. It is not financial, legal or tax advice.

Results are estimates. They depend on what you type in. Your lender’s real figures may differ. Reasons include fees, different ways of counting days, and changes to your rate.

Check important numbers with your lender. Decisions about your money are yours.

What do Free and Pro include?

• Free: up to 3 debts and the full plan.
• Pro: more than 3 debts, plus reminders, Calendar due dates and widgets.

You can get Pro in three ways (prices in Spain):

• Monthly: €5.99 a month.
• Yearly: €49.99 a year, with a 14-day free trial.
• Lifetime: €99.99, paid once. It does not renew.

Prices vary by country. Apple sets local prices and shows you the exact price in the App Store before you buy.

Lifetime unlocks the Pro features Nada has today. Big new features may be sold separately.

How do subscriptions and the free trial work?

• You pay with your Apple Account. Apple bills you.
• A subscription renews by itself unless you cancel at least 24 hours before the current period ends.
• Apple takes the payment for the next period within the 24 hours before the current period ends.
• The yearly plan starts with a 14-day free trial. If you don’t cancel at least 24 hours before the trial ends, it turns into a paid yearly plan.
• If a price changes, Apple tells you before the new price applies to you.

To cancel: open iPhone Settings, tap your name, tap Subscriptions, choose Nada, then tap Cancel. Deleting the app does not cancel your subscription. You keep Pro until the end of the period you paid for.

Can I get a refund?

Apple handles refunds, not us. We can’t issue them.

To ask for a refund, go to reportaproblem.apple.com. Apple decides, using its own rules. These can vary by country.

If you are in the EU, Apple’s terms give you 14 days from your receipt to cancel an order. This does not apply once delivery has started at your request and you have agreed to lose that right, which is what happens when you unlock Pro straight away. Apple’s terms explain the details.

Can offers change?

Yes. Free trials, come-back offers, the debt-free discount and offer codes are offers, not rights. They can change or end at any time. An offer only applies once the App Store confirms it to you.

What must I not do?

• Copy, sell or rent Nada.
• Take Nada apart or change its code, unless the law lets you.
• Use Nada to break the law, or try to break or overload it.

Who is responsible if something goes wrong?

• Help and fixes. We alone are responsible for support and maintenance of Nada. Apple has no duty to give any. Email us at hello@nadadebt.com.
• Warranty. If Nada fails to meet a warranty that applies by law, you can tell Apple. Apple will refund what you paid for the app. Apple has no other warranty duty for Nada. We handle any other claims, losses and costs.
• Claims about Nada. We, not Apple, handle claims about Nada. This includes product liability, legal and regulatory rules, consumer protection and privacy law.
• Intellectual property. If someone says Nada breaks their rights, we, not Apple, look into it and deal with it.
• Our liability. As far as the law allows, we are not responsible for losses from decisions you make using Nada’s estimates, or for lost data. Nada keeps your data on your phone. If you lose your phone and iCloud sync was off, we can’t get your data back. Nothing in these terms limits liability that the law does not allow us to limit. Nothing in these terms takes away your rights as a consumer.

What other rules apply?

• You confirm that you are not in a country under a US government embargo, and that you are not on a US government list of banned or restricted parties.
• You must follow any third-party terms that apply when you use Nada. For example, your mobile data plan.

Can these terms change?

Yes. We will post changes on this page with a new date. For big changes, we will also say so in the app’s release notes. If you keep using Nada after a change, you accept it. If you don’t agree, stop using Nada.

Which law applies?

Spanish law applies to these terms.

If you are a consumer in the EU, you also keep the protections of the country where you live. You can also take a claim to the courts there.

If we can’t fix a problem by email, you can ask a consumer dispute body. The EU keeps a list: consumer-redress.ec.europa.eu/dispute-resolution-bodies. We have not agreed to use a specific body.

How do I contact you?

{OPERATOR_NAME} {BUSINESS_ADDRESS}, Spain hello@nadadebt.com

Use this for any question or claim about Nada.

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Questions? Email hello@nadadebt.com.