Terms of Service

Effective Date: August 18, 2025

1. Acceptance of Terms

By accessing and using Global Debt Monitor ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Global Debt Monitor provides real-time visualization and analysis of global debt statistics. The Service includes:

• Live debt tracking for multiple countries
• Currency conversion capabilities
• Historical data visualization
• Educational content and insights
• Optional ad-free experience via paid subscription

3. Data Accuracy

While we strive for accuracy, Global Debt Monitor provides data for informational purposes only:

• Data is sourced from third-party providers (primarily World Bank API)
• Real-time calculations are estimates based on historical trends
• We do not guarantee the accuracy, completeness, or timeliness of any information
• Users should verify important information through official sources

4. User Conduct

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or servers
• Transmit any viruses, worms, or malicious code
• Scrape or harvest data from the Service without permission
• Click on advertisements artificially or encourage others to do so

5. Intellectual Property

All content on Global Debt Monitor, excluding third-party data, is protected by intellectual property rights:

• Original content, design, and functionality are owned by Global Debt Monitor
• Data from World Bank API is subject to their respective licenses
• Users may not reproduce, distribute, or create derivative works without permission

6. Payment Terms

For users who purchase ad-free access:

• Payment is processed securely through Stripe
• Ad-free access is granted immediately upon successful payment
• Recovery codes are provided for transferring access between devices
• Refunds are handled on a case-by-case basis

7. Privacy

Your use of our Service is also governed by our Privacy Policy. Please review our Privacy Policy, which explains how we collect, use, and protect your information.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of information

9. Limitation of Liability

Global Debt Monitor shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

• Your use or inability to use the Service
• Any errors or omissions in content
• Any unauthorized access to your data
• Any third-party statements or conduct on the Service

10. Advertising

The Service displays advertisements through Adsterra:

• Ads include native ads (integrated into content) and banner ads
• We do not control the content of third-party advertisements
• Users must not click ads artificially or encourage others to do so
• Ad-free access is available for purchase
• All advertisements comply with Adsterra's content policies

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time:

• Changes will be posted on this page
• The "Effective Date" will be updated
• Continued use of the Service constitutes acceptance of modified terms

12. Termination

We may terminate or suspend access to our Service immediately, without prior notice, for any reason, including breach of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

14. Contact Information

For questions about these Terms of Service, please visit our Contact Page.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Global Debt Monitor regarding the use of our Service.