PLANKHO Terms of Service

Last updated: 26 October 2026 Service: PLANKHO Operator: Ashlan Grey Ang (individual operator, Philippines) Support contact: [email protected]

1. Acceptance of terms

These Terms of Service govern access to and use of PLANKHO, a personal debt-planning application.

By creating an account or using PLANKHO, you agree to the applicable terms presented to you, subject to mandatory consumer rights and other applicable laws.

If you do not agree, do not create an account or continue using the service.

2. What PLANKHO provides

PLANKHO helps users organize financial obligations, review financial information, create repayment simulations, and estimate possible debt-free timelines.

Its calculations depend on the information entered or imported by users and on the assumptions used by the planning tools.

3. Financial information disclaimer

PLANKHO is a financial-planning tool. It is not a lender, bank, credit bureau, debt collection agency, or provider of individualized professional financial advice.

Debt-free dates, repayment projections, interest savings, and related results are estimates rather than guarantees.

Actual outcomes may change due to interest rates, fees, billing dates, payment behavior, creditor policies, and other circumstances.

Users remain responsible for reviewing their obligations and making financial decisions.

4. Account registration and security

Some features may require account registration and login.

You are responsible for providing accurate registration information, safeguarding your credentials, and using the account only as authorized.

PLANKHO may restrict or reject access when reasonably necessary for account security or compliance with law.

You must be at least 18 years old to register for and use PLANKHO.

5. User-provided financial information

You are responsible for the accuracy of financial data you enter, review, or import into PLANKHO.

Imported financial statements may require corrections. You should verify extracted balances, fees, repayment amounts, and dates before relying on projections.

PLANKHO does not undertake to verify your obligations directly with creditors.

6. Local information and optional backups

PLANKHO primarily stores financial-planning records on your device.

Cloud backup functionality may provide additional encrypted recovery points when used. Cloud backup availability does not replace your responsibility to protect your device and maintain appropriate copies of important records.

Backup contents use server-side authenticated encryption, not end-to-end encryption.

Service interruptions, unsuccessful uploads, and other technical limitations may affect backup availability.

7. Premium services and payments

PLANKHO may offer paid Premium subscriptions through supported app-store platforms.

The displayed subscription price, billing interval, renewal details, and applicable purchase terms should be reviewed before purchase.

App-store platforms may manage payment collection, renewal, cancellation, and refund requests according to their rules and applicable law.

Deleting a PLANKHO account or uninstalling the application does not necessarily cancel an active app-store subscription.

Nothing in these Terms limits non-waivable consumer rights.

8. Acceptable use

You agree not to use PLANKHO to:

• Interfere with its security or availability.
• Gain unauthorized access to accounts or services.
• Upload malicious content or misuse service interfaces.
• Violate applicable laws or the rights of other users.

These restrictions do not prevent lawful personal use of PLANKHO's financial-planning tools.

9. Account deletion

You may request account deletion through the method made available by PLANKHO.

A confirmed account-deletion request requires authentication and deliberate confirmation. It marks the cloud account as deleted, revokes active sessions, and schedules permanent erasure of associated cloud account data after 30 days.

PLANKHO's production deletion processor is deployed and scheduled to run daily. Permanent erasure includes coordinated cloud-backup cleanup and removal of authentication records, subject to successful processing and applicable legal obligations.

Requests submitted before the adoption of the 30-day period retain their originally scheduled deletion deadlines.

The 30-day period does not guarantee account restoration. Self-service recovery of a deleted account is not offered as part of this deletion process.

Deleting your cloud account does not automatically remove every local file on your device or cancel an active app-store subscription.

10. Privacy

PLANKHO's handling of personal information is described in its separate Privacy Policy.

Users should review the Privacy Policy before creating an account and when relevant changes are communicated.

11. Availability and changes

PLANKHO may maintain, improve, modify, or discontinue features, subject to applicable law and existing user rights.

Features may differ by platform, subscription status, or application version.

PLANKHO cannot guarantee uninterrupted availability or that every projection will remain unchanged.

12. Intellectual property

PLANKHO's software, visual elements, branding, and original content are protected to the extent allowed by applicable intellectual property laws.

Your ownership of financial information you provide is not transferred merely by using PLANKHO.

13. Liability and consumer protections

PLANKHO does not guarantee particular debt-repayment results or financial savings.

Any limitations of liability must be interpreted subject to mandatory Philippine consumer protections and other applicable laws.

14. Governing law and disputes

These Terms are intended to be governed by applicable Philippine law, without overriding mandatory consumer protections or legal rights that apply to users elsewhere.

15. Changes to the Terms

PLANKHO may update these Terms as the service evolves. Material changes will be communicated as required by applicable law.

Continued use following a validly notified change may be subject to the updated Terms, where legally permitted.

16. Contact and operator

Service: PLANKHO

Operating location: Philippines

Support contact: [email protected]

Responsible operator: Ashlan Grey Ang (individual operator, Philippines)