Launch placeholder · counsel review required

Terms and Conditions

This draft structures the application experience but is not approved legal text. It must be replaced and approved before production launch.

Eligibility and accounts

Jiyu is intended for verified adults residing in the United States. Users must provide accurate account information and protect their credentials.

Educational service

Jiyu provides general educational information, hypothetical debt-payment simulations, and motivational tools. It is not a lender, bank, debt consolidator, credit-repair service, or licensed financial adviser. A projection is not a recommendation and does not initiate or schedule a payment.

Projection limitations

Simulator estimates use user-selected assumptions and fixed monthly calculations. They may differ from actual outcomes because they exclude fees, variable-rate changes, daily-compounding differences, payment timing variations, and later provider-data changes.

Membership

Jiyu+ is billed monthly through Stripe. Access begins only after Stripe confirms an active subscription and ends when the paid entitlement lapses.

Third-party providers

Stripe, Plaid, Firebase, and email providers operate under their own terms. Service availability and data coverage may vary.

Acceptable use

Users may not abuse referrals, manipulate entries, interfere with security, impersonate others, or use Jiyu unlawfully.