By downloading or using DebtShield (the "App"), you agree to these Terms of Service. If you do not agree, do not use the App. The App is published by an independent iOS developer (Apple Developer Team ID ZM8LF8494F); references to "we," "us," and "our" mean that developer.
DebtShield is a personal evidence journal for documenting contacts from debt collectors. You enter information about debts, collection calls, letters, and third-party contacts; the App helps you organize that information, surface FDCPA-relevant patterns, and generate PDF reports for your own use, including reports formatted for CFPB complaints and consumer rights attorneys.
The App is free to download and use with the following limits: 1 debt and 1 collector, up to 10 call log entries, 1 photo per call entry, the full 17-violation FDCPA checklist as a learning reference, and the full Consumer Rights Guide.
For DebtShield, new purchases currently use these Pro options:
Before you confirm payment, Apple displays the product, current localized price, billing period and any eligible introductory offer. Apple's confirmation controls the purchase terms. Older installed versions may show earlier purchase options; payment is processed by Apple.
Earlier Annual purchases. Annual is not a current new-purchase option. An earlier Annual subscription remains subject to its Apple billing, renewal and cancellation terms. Restore Purchases rechecks eligible verified entitlements; contact support if a valid historical purchase is not recognized. Choosing a different product does not automatically cancel another Apple subscription.
A Lifetime purchase grants DebtShield Pro access without a scheduled subscription expiry. A refunded or revoked purchase no longer provides access. Use Restore Purchases with the Apple Account used for purchase to recheck a restorable Lifetime entitlement.
The subscription renews automatically unless canceled. Apple may charge for renewal within 24 hours before the current period ends. To prevent the next charge, cancel at least 24 hours before the period or trial ends. Manage or cancel in iPhone Settings > [your name] > Subscriptions; Apple provides cancellation instructions. Deleting DebtShield does not cancel a subscription.
Use Restore Purchases while signed into the purchasing Apple Account to check verified eligible access. Pending or unverified transactions do not establish paid access. Refund requests are handled through Apple under its policies and applicable law. Nothing here limits non-waivable consumer rights.
An introductory free trial is available only when Apple confirms eligibility for the subscription group and an applicable offer exists. The updated paywall checks eligibility before presenting trial benefits; unknown or ineligible accounts use ordinary subscription language. Apple’s purchase sheet confirms the actual duration, localized price and billing period before payment. Unless canceled at least 24 hours before the trial ends, the subscription converts to the displayed paid plan. Trial access may end when canceled and follows Apple’s verified expiry or revocation. Older installed app versions may display earlier offer wording until updated.
DebtShield's iCloud sync is off by default. The current onboarding explains the privacy model and does not enable or change sync. You can opt in through Settings > Sync; follow the app's Quit & relaunch confirmation to apply the chosen storage mode. When enabled and available, Apple CloudKit can replicate the underlying records and attachments to your private Apple Account database. Turning sync off does not erase earlier iCloud copies; manage those through Apple Account storage settings. Private CloudKit storage is governed by Apple's service terms and is not a promise of end-to-end encryption for every field or immunity from valid legal process. We do not operate a record server.
Pro provides the following features. The behavior described here is binding on us — if a future App update materially changes any of these descriptions, we will revise this section.
The Pro Evidence tab additionally includes a Swift Charts visualization of call frequency and violations over the trailing 12 weeks, and CSV export of the call log and the (call, violation) pair list. Both are computed and rendered on-device; no content is transmitted during export.
The following features ship in every tier (Free + Pro), are not part of the Pro upgrade, and are listed here for completeness:
The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. To the maximum extent permitted by law, our aggregate liability arising out of or relating to the App is limited to the amount you paid us, through Apple, for the App in the twelve months preceding the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost data, lost legal recoveries, or claim disputes. Reports generated by the App are tools for your use; we do not guarantee that any agency, court, or attorney will accept them.
Your use of the App is also governed by Apple's standard End User License Agreement (EULA) for licensed applications, available at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/. In the event of a conflict between these Terms and the Apple EULA, these Terms govern as between you and us; the Apple EULA governs as between you and Apple.
We may update these Terms from time to time. Material changes will be surfaced in the App on next launch. Continued use of the App after a change constitutes acceptance.
These Terms are governed by the laws of the United States and the State of California, without regard to conflict-of-law principles. Disputes will be resolved in courts located in California, except that either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property rights.
Support and legal inquiries: captainlongevity@gmail.com
Moving a debt to Recently Deleted marks that debt for the 30-day recovery window; its calls, letters and third-party contacts remain separately stored and may still be visible. Permanently deleting the debt also removes its matching child records, including children already in Recently Deleted. Expired-record purge runs when the App launches and depends on successful local operations; it is not a remote timer guaranteeing erasure at the exact deadline. With sync enabled, changes propagate according to Apple CloudKit availability. Disabling sync, deleting local records or exporting a PDF/CSV/Markdown file does not erase prior cloud or external copies; those readable exports are not a full-database restore.