Terms of Service

Terms of Service for RANT AI Advanced Payoff Credit Assistant

Last Updated: October 23, 2025

These Terms of Service ("Terms") govern your use of the RANT AI Advanced Payoff Credit Assistant (the "Service") provided by PMBTEXAS Enterprises LLC ("we," "our," or "us").

1. Acceptance of Terms

By accessing or using the RANT AI Advanced Payoff Credit Assistant, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

RANT AI Advanced Payoff Credit Assistant is an AI-powered educational tool designed to help users:

• Create and manage debt payoff plans using various strategies (Debt Snowball, Debt Avalanche, etc.)
• Track progress toward debt elimination goals
• Learn about debt negotiation techniques and settlement strategies
• Visualize financial progress through charts and metrics

3. User Accounts

3.1 Account Creation

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. We encourage you to use "strong" passwords (passwords that use a combination of upper and lower case letters, numbers, and symbols) with your account.

3.3 Account Termination

We may, in our sole discretion, suspend or terminate your account and refuse any and all current or future use of the Service for any reason at any time. Such termination may result in the deactivation or deletion of your account and related information.

4. Payments and Billing

4.1 Lifetime Access

The Service is offered as a one-time payment for lifetime access. This includes all current features and any future updates to the Service.

4.2 Payment Processing

All payments are processed through our third-party payment processor, Stripe. By providing payment information, you agree to Stripe's terms and conditions.

4.3 Refund Policy

Since RANT AI Advanced Payoff Credit Assistant is a digital access program, all sales are final and we do not offer refunds. We guarantee the Service to work flawlessly. If you experience any technical issues or problems with functionality, please contact our Customer Service team immediately at support@rant-ai.icu, and we will work diligently to resolve any issues and ensure the Service operates as intended.

By purchasing the Service, you acknowledge and agree that you are purchasing digital content and understand that no refunds will be provided except as required by applicable law.

5. Intellectual Property

5.1 Our Content

The Service and its original content, features, and functionality are and will remain the exclusive property of PMBTEXAS Enterprises LLC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries.

5.2 Your Content

You retain all rights to the financial data and personal information you input into the Service. By submitting content to the Service, you grant us the right to use, modify, publicly perform, publicly display, reproduce, and distribute such content solely for the purpose of providing and improving the Service.

6. Acceptable Use

You agree not to use the Service:

• For any unlawful purpose or to solicit others to perform or participate in any unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service
• To collect or track the personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the Service

7. User Responsibilities

7.1 Accuracy of Information

You are solely responsible for the accuracy and completeness of the financial information you provide to the Service. We are not responsible for any errors or omissions in your data that may affect the calculations or recommendations provided by the Service.

7.2 Financial Decisions

You acknowledge that any financial decisions you make based on information provided by the Service are your sole responsibility. We do not guarantee any specific financial outcomes or results.

8. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

9. Disclaimer of Warranties

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

10. Limitation of Liability

IN NO EVENT SHALL PMBTEXAS ENTERPRISES LLC, NOR ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE
• ANY CONTENT OBTAINED FROM THE SERVICE
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

11. Indemnification

You agree to defend, indemnify, and hold harmless PMBTEXAS Enterprises LLC and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of:

• Your use and access of the Service
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of Texas, United States, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

14. Contact Information

If you have any questions about these Terms, please contact us:

• By email: legal@rant-ai.icu
• For technical support: support@rant-ai.icu
• By visiting this page on our website: rant-ai.icu/terms
• By mail: PMBTEXAS Enterprises LLC, 416 N 1st St W. Mount Calm, TX 76673