Terms of Service

Last updated: April 25, 2026

1. Agreement to Terms

By accessing or using DebtFreeCalc (the "Site"), you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access the Site.

2. Educational Purposes Only

The calculators, articles, and information provided on DebtFreeCalc are strictly for educational and informational purposes. They do not constitute professional financial, tax, or legal advice. Real-world interest rates, compounding methods, and fees vary by financial institution. You should always consult with a certified financial planner or advisor before making significant financial decisions.

3. User Responsibilities

Users are responsible for the accuracy of the data they input into the calculators. DebtFreeCalc is a client-side tool, meaning your financial data is processed directly in your browser and is not collected, stored, or transmitted to our servers.

4. Disclaimer of Warranties

The Site and its mathematical tools are provided on an "as is" and "as available" basis. DebtFreeCalc makes no warranties, expressed or implied, and hereby disclaims all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

5. Limitation of Liability

In no event shall DebtFreeCalc or its operators be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials and tools on the Site, even if an authorized representative has been notified orally or in writing of the possibility of such damage.

6. Links to Third-Party Sites

DebtFreeCalc may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that DebtFreeCalc shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites.

7. Revisions and Errata

The materials appearing on DebtFreeCalc could include technical, typographical, or photographic errors. We do not warrant that any of the materials on the Site are accurate, complete, or current. We may make changes to the materials contained on the Site at any time without notice.