Terms of Service

By accessing or using Debtcal ("the Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the Site.

Debtcal provides free financial calculators and educational articles for informational purposes only. You may use the Site for personal, non-commercial purposes. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Site
• Scrape, copy, or reproduce our content for commercial purposes without prior written permission
• Transmit any malicious code, spam, or material that could harm the Site or its users

The calculators and content on Debtcal are provided for informational and educational purposes only. Nothing on this Site constitutes financial, investment, legal, or tax advice. Calculator results are estimates based on user-provided inputs and mathematical models.

You should not make financial decisions solely based on information obtained from this Site. Always consult a qualified financial professional before making significant financial decisions.

We make reasonable efforts to ensure that the calculators and content on the Site are accurate and up to date. However, we make no warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information provided.

Your actual loan payoff timeline, interest costs, and financial outcomes will depend on your lender's specific terms, fees, billing practices, and other factors outside our control.

All content on Debtcal, including text, articles, calculator logic, design, and graphics, is owned by or licensed to Debtcal and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without express written permission.

The Site may contain links to third-party websites and display third-party advertisements. These are provided for convenience only. We have no control over the content of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Debtcal participates in display advertising programs. Advertisers do not influence our editorial content or calculator methodology.

To the fullest extent permitted by law, Debtcal and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of — or inability to use — the Site or its content, even if we have been advised of the possibility of such damages.

The Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. Continued use of the Site after any changes constitutes your acceptance of the revised terms.

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in the United States.

If you have questions about these Terms of Service, please use the contact form on our About page.