Acceptance of Terms

By accessing and using DebtCalculators.app ("the Service"), you accept and agree to be bound by these Terms of Service.

Educational Tool Only

This Service is an educational and planning resource only. It is NOT personalized financial advice.

Our debt payoff calculator provides estimates based on the information you provide. These estimates:

Are for planning purposes only
Do not account for all real-world variables
Should not be relied upon as financial advice
May not reflect your lender's actual terms or fees

Not Financial Advice

We are not financial advisors, credit counselors, lenders, or debt settlement companies. The information and tools provided on this site:

Are not a substitute for professional financial advice
Should not be used as the sole basis for financial decisions
Do not constitute recommendations to borrow, lend, or restructure debt

Before making major financial decisions, please consult a qualified financial advisor, debt counselor, or other professional appropriate to your situation.

No Guarantees

The Service is provided "as is" without warranties of any kind. We do not guarantee:

The accuracy of calculations or projections
That following a suggested strategy will achieve specific results
That interest rates or terms will remain unchanged
That lenders will accept any particular payment plan

Limitation of Liability

To the fullest extent permitted by law, DebtCalculators.app and its operators shall not be liable for any damages arising from:

Use or inability to use the Service
Reliance on calculations or information provided
Financial decisions made based on our tools
Any errors, omissions, or inaccuracies in the Service

User Responsibilities

You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, others. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.

Intellectual Property

All content, features, and functionality on DebtCalculators.app, including but not limited to text, graphics, logos, images, software, and the design, selection, and arrangement thereof, are owned by us or our licensors and are protected by UK and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without our prior written consent. Any unauthorized use of the materials contained on this site is strictly prohibited.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of any changes by posting the new Terms of Service on this page and updating the 'Last updated' date. You are responsible for reviewing these Terms periodically and for your continued use of the Service after any such changes. Continued use of the Service following the posting of any changes constitutes acceptance of those changes. If we make material changes to these Terms, we will notify you by email or through a prominent notice on our website prior to the effective date of the change.

Contact

If you have questions about these Terms, please contact us through our contact form.